vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
During the summer time after I completed my XXXX degree and was transferring to another university. Navient did not allow me the courtesy of the 6 month period to start repaying on my loans. Instead they charged me interest for the three months before I started at the university. These fees and excess interest was never refunded to me. Instead I was told that I needed to make the payments anyway and that the payments that I had already made can't be reversed but the interest that was being charged they would drop after I had already made payments frantically. As of this moment I am unaware of the total dollar value of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC
State: PA

Complaint narrative:
XXXX File Number XXXX XX/XX/2018 XXXX has under Club & Subscription Activity XXXX XXXX XXXX on my file I have never applied or sign or ask or requested anything from XXXX XXXX XXXX XXXX needs to stop placing selling and having XXXX XXXX XXXX all over my credit file that I not applied or requested or sign giving permission for anything XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion File Number XXXX XX/XX/2018 Account Review Inquiries has XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- XXXX XXXX -- -- -- -- XXXX XXXX XXXX -- -- - XXXX XXXX XXXX showing on Account Review Inquiries and I don't owe any of these companies and should be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Was told transaction dated for XX/XX/XXXX would be available on XX/XX/XXXX. Confirmed in a call on XX/XX/XXXX

and was told funds would be available on XX/XX/XXXX. Called on the morning of XX/XX/XXXX and confirmed available in the afternoon. Afternoon of XX/XX/XXXX was told it would not be until XX/XX/XXXX ... .. Refunded transaction and resubmitted an invoice to receive sooner, now being told XX/XX/XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX and XX/XX/2018, I requested that my Fifth Third Bank access 360 prepaid card and Trio credit card be closed. After several hours on the phone with the company and multiple Representatives, they have refused continually to close my credit cards. They state that they require my physical presence in the branch, which is not feasible because the nearest branch is over 500 miles away. There is no indication in any terms or conditions referring to or stating that I am required to be present in the branch to close a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. 

Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company.

In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have previously filed a complaint about an electronic transfer made by my bank, Wells Fargo, to XXXX, at my request to pay a bill. That was XX/XX/2017. Despite numerous calls with both Wells Fargo and XXXX, to date, Wells Fargo has not located my money. XXXX states they did not receive the money, while Wells Fargo claims they sent it to XXXX, but it still has not been located. This was a XXXX payment that can not be found. I have no escalation path with either Wells Fargo or XXXX XXXX  -- they both closed my claims, and I DO NOT KNOW who has my money. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
Transunion and XXXX credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that Transunion Credit agency as well as XXXX comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2018 payment shows late but it was never late. Called the customer service to report, but they said I have to dispute it with credit bureau they can't fix it automatic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " CHILD SUPPORT ENFORCE '' # XXXX and that account is in COLLECTION ACCOUNT AND DELINQUENCIES. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, this account is the child support payment that during that time I made my daughters, I never had that account in the collection or in delinquency. I fulfilled all my payments on time and finalized my case satisfactorily, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Repeatedly told the no call unless they have interest and authority to take a short pay, they ignor and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service. 

On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code. 

Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week. 

Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
XXXX  and Equifax credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that XXXX  Credit agency as well as Equifax comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I obtained this vehicle loan through WellsFargoDealerServices In XX/XX/XXXX. I've never missed a payment until XX/XX/XXXX. I've always made monthly payments- and as I was experiencing hardship ( job switching and car breaking down ) and called in to see what my options were, they said to either pay up or I would lose my car and get it reported to the bureas. 

As I was making a job switch, they vehicle was having problems and I couldn't even operate the vehicle. Tried to make arrangements with them but they refused to listen or come to any agreements or terms. I couldn't get to work with my faulty ( found out it was a recall ) and lost my new job. WFDS didn't care about my situation at all, all they cared for was their money, them being a lien on my vehicle, and the profit they've made on the interest rate I've paid them for nearly 2 years. 

After they repo-d the vehicle, they refuse to disclose me with the true amount of how much they sold it for. They refuse to disclose information on how much is REALLY left, after any and all GAP/WARRANTY was refunded back into the loan to decrease the amount. All they did was charged it off and kept on telling me to call back to find out the actuall amount due after " EVERYTHING '' goes through. I believe I'm a victim of WFDS not following proper procedures and treating consumers unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a negative XXXX  XXXX credit card on my credit report and it does not belong to me the other two major credit agencies deleted account and handled everything properly but Experian can not seem to get it right! Experian removed the account a while ago once I sent in he details for removal and the police report and then suddenly I see it is back on my credit file again. I reached out to Experian right away and they refuse to remove it now and are continuing to ignore my requests to have this removed and have my credit file reflect accurate information. this is causing a great deal of harm to my credit score and upset within our family who will be homeless due to this credit scree and all the problems its causing,. I have let Experian know this and they have completely let me down and ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
My debt was given to Southern Management Systems to collect for a debt from XXXX ( appeared on my credit in XXXX ). I never received any written communication stating my right to dispute. I never so much as got a phone call. The first time I learned about the debt was when I applied for an auto loan ( in XXXX ). I had to call them to receive any sort of information regarding my debt. Keep in mind that this debt was for a college housing lease, not a credit card or anything like that. When I finally spoke to someone, the guy that I spoke with said I could pay the debt in one lump sum or get lost. He was rude.

Company response to consumer: Closed with explanation