vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: CA

Complaint narrative:
I was overpaid by the Department of Veterans Affairs in XXXX of XX/XX/XXXXin the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with Transunion and XXXX ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.

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 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Management Recovery Corp. (NMRC)
State: LA

Complaint narrative:
A company named NMRC has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that XXXX  does not do business with XXXX and they only collect payments at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
While making a {$9.00} purchase at the clerk asked me if I would apply for their credit card, I agreed. Two months went by and I received a paper bill charging me late fees and interest fees in the amount of {$37.00} ( including the {$9.00} charge ). I called customer service and explained I hadn't received that bill. She said if I paid the {$9.00} immediately she would dismiss all the other charges, which I did. This Wednesday the XXXX, I received a bill for {$27.00}. I again called customer service and was told there was nothing she could do about the fees ( though I paid the {$9.00} charge ), because they had closed my account. 
Furthermore they reported me to the credit agencies which dinged my credit rating. I was told they sent my bill out on the XX/XX/XXXX but I didn't receive it til the XXXX. This does not pass the sniff test. I paid the {$27.00} they billed me, though on the bill it said This is {$2.00} ( other debits ), fees charged {$21.00}, ( past due ) amount {$5.00} The bank in question is XXXX XXXX XXXX in XXXX, Ohio Thank you in advance for your looking into these questionable practices, so someone else doesn't get bilked. And a correction to the credit reporting agencies, with a copy for my files.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My family and I are waiting for a response from Nation Star regarding the two payments for XXXX and XXXX, also why were we told the modifications was rejected because we rejected it when in fact we did no such thing. Why XXXX in XXXX may or may not what's going on with an account but those in XXXX do or vice versa. Please see this ongoing sega as I will upload documents from XXXX. We are still sent tax collections and told to pay them by Nation Star tax statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
The servicer of my student loan was transferred from XXXX XXXX to Nelnet.  I did receive physical mail notification of the transfer ; however, upon establishing an online account with netlnet I was notified of a loan balance that appeared much higher than the balance disclosed to me online via XXXX XXXX during the months prior to the transition. 

I called XXXX XXXX to obtain a record of my loan balance prior to the transfer to Nelnet, and after being placed on hold multiple times prior to being reconnected to the service representative they were unable to provide me with my student loan balance at the time of transfer to Nelnet. 

I am concerned that the balance reflected at Nelnet is overstated and I have no means to reconcile my ending balance at XXXX XXXX prior to transfer to what now appears on Nelnet ( my new servicer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CHOICE LENDING CORP
State: CA

Complaint narrative:
My loan officer was misleading me from the very beginning. When I had originally backed out of my first house he calls me and asks me why I did. I tell him all the issues with the house and his response is that he heard that the house wasnt " that bad '' and that I should've gone through escrow first to see what they were willing to fix. I was taken back by everything. I couldn't believe that my loan officer was almost pushing a house I didn't want on me. So I get to a house I like and it's time for escrow. I lose XXXX dollars through wire transfer. He called me and I tell him I got fraudulent wire transfer instructions through my realtors email address ( which she claims to know nothing about ). He said that not to worry he had a good feeling that the bank would take the hit and my money would return to me. This is false. Banks DO NOT guarantee wire transfers. It's as good as giving someone cash. So a couple days later I want to back out. My realtor calls my lender who then calls me and tells me everything will be ok and I was promised everything under the sun. It was all a lie. He knew that the money was going to get spent and he never advised me differently when the money was lost. He just kept going as business as usual and I believed him.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I spoke with bank of america back inXX/XX/XXXX for the first time I believe ( Not 100 % certain of date ) and I went to open and account and was informed I had an account with them already opened in XX/XX/XXXX orXX/XX/XXXX ( Can't recall exact year ) I informed them I have NEVER had an account with them. They informed me it was opened online and said an email was listed for me with A name of XXXX. I informed them clearly it was a fraud account. They assured me this would be corrected. They sent me A package to fill out for A fraud report. I filled it out and faxed them back. No response. Today I went into A branch to see if it was resolved and to open an account. They inform me account still shows I owe A balance. How!? I did not open this account!! I need help getting this resolved.

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 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC

Complaint narrative:
We signed a contract to build a home with Taylor Morrison Home Builders on XX/XX/XXXX We chose to use their financing and trust their inspectors. They showed us several lots within the development that we liked and we chose a lot that was larger and listed for {$10000.00}. This lot is included in the contract. We went through a disastrous design and build process ( see letter attached in Step 3 ). Our questions during the process were met with total indifference and/or contempt. When it came time to appraise, the appraisal came in {$25000.00} below our purchase price. Taylor Morrison refused to acknowledge a problem. We met with their mortgage team, the sales department heads, among several others that did not acknowledge any issue and put the burden on us to make up the difference. They eventually gave us roughly {$2500.00} back in the purchase price but failed to explain how they made the difference of that amount up given we did not bring any more to closing, and our monthly payment did not change. At the final walk through of the home, I was asked to sign a paper saying that I acknowledge receipt of the landscaping and lawn in good order and they were not responsible for any dying grass or shrubs, etc. I asked to see the yard before signing. As we were walking the property our construction Superintendent ( XXXX XXXX ) left siting childcare issues. I never signed any document nor did we finish our final walk through as the house had to be locked. Once we moved in, I noticed immediately during the first rain that the yard did not drain properly ( see attached images ). The plan calls for water to move off the property however it ponds and does not move from the back. This has caused the grass to die, and hazardous conditions for our pets and selves. Mosquitos, fungus, bad odors all inhabit the yard. Taylor Morrison claims that the grass is not warranted, and there is nothing they can do about the yard holding water. They claim it is per the plan and refuse to determine why the water ponds. XXXX XXXX stated that our property was a " swale '' and that water ponding for 72 was totally acceptable. In all of our conversations with any representatives of Taylor Morrison, no one mentioned a swale, we did not acknowledge that our property is a swale, and it is inconceivable to me that they will not acknowledge the problem. During the entire process, we feel misled. There were serious misrepresentations that took place and the warranty program is a continuation of this pattern. They claim to be " the most trusted builder '' however our experience is much different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I set up auto pay for {$75.00} payments each month which covered the minimum payment due on online banking on the Capitol Ones website and the minimum payment went up and it didnt adjust the payment to cover the minimum payment due, so for three months I didnt catch it because I had went to paperless statements. During those months ( XX/XX/XXXX-XX/XX/XXXX) I couldnt not log into my account because of a security breach, is what I was told. When I contacted the company just recently the week of XX/XX/XXXXand requested they reverse the honest oversight for a customer of 15 years who has never missed a payment they simply denied my request. I then had an executive representative do a review of the situation and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bought this unlocked cell phone XX/XX/XXXX via the Internet on XXXX ( see receipt attached. ) Immediately after receiving it I used my XXXX & XXXX SIM card into the new phone and turned it on. The new unlocked global phone I received from XXXX did not detect cellular network at all. XXXX & XXXX representative could not resolve the issue. I attempted to return the defective product on XX/XX/XXXX via XXXX website. Seller refused to take it back, provide return shipping label or provide return authorization code, or anything like that. I reached out Bank of America to start a dispute on XX/XX/2018. On XX/XX/2018, Bank of America requested additional documentation about this purchase and also confirmation from local repair store that phone is defective. I asked help from phone repair specialists at XXXX XXXX ( located in XXXX, TX. ) and they explained that they can not repair it and provided written and signed statement ( see attached. ) I provided this documentation to Bank of America in a timely manner. Despite providing all evidence that product shipped to me is defective Bank of America refused to approve my claim.

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 2018-06-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for a {$110.00} deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We have not received the {$110.00} payment deferment as promised for XX/XX/XXXX that is due by Monday, XX/XX/XXXXper XXXX Irma Relief at XXXX XXXX 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 2018-06-29 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2018-06-29 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
OnXX/XX/XXXX, and on XX/XX/XXXX I applied for capital one credit cards. I was XXXX years old at the time and was un-educated about credit cards. So I applied for them and got instantly denied. From being un-educated at the time, I did not realize that you can get hard inquires on your credit report from simply applying and getting denied for credit cards. Since then I have educated my self on applying for and properly using credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying since XX/XX/XXXX to remove a security freeze that I do not recall placing. To date, I have been unable to remove this freeze. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Everytime I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XX/XX/XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax and no one has been able to verify my identity and yet it still lowers my credit score. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this freeze since XX/XX/XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation