vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
When filing my XXXX taxes my tax preparer included incorrect information for my refunds to be direct deposited. The information they listed on my taxes was routing number XXXX- assigned to TD Bank in XXXX ME. The account number is XXXX.
The Federal return was rejected by the bank as my information did not match this account however they accepted the State of NC deposit even though the information did not match. The deposit was made on XX/XX/XXXX and the trace number is # XXXX.
I, my tax preparer XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have all contacted this TD Bank numerous times and they refuse to reverse the deposit and send the monies back to the State of NC so they can issue it correctly to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I did an online money transfer with Western Union on Wednesday X/X/17 at XXXX XXXX. The amount was XXXX for the fee of XXXX. Total for transaction was XXXX. The transaction processed smoothly and a tracking number XXXX was issued. On Thursday morning the receiver went to a western union counter in Florida and she was told no such transaction existed in their system. I called Western Union and someone in XXXX told me they are authorized agents for Western Union and my bank was holding the money and I should ask the bank to release the funds. XXXX XXXX was very clear that the funds were sent from my account to Western Union. I called back Western Union and the man told me it is normal for all money transfers to be kept for several days. I was told there is nothing I can do or anyone else I can complain to. The funds would be available on X/X/2017. At no time during the online process did any indication of the money getting delayed appear as any type of notice. I asked to cancel the transaction so I can use another money transfer service and I was told I would get a refund of XXXX a minimum of seven days after XX/XX/XXXX. This entire experience smells like "bait and switch".

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
For several months this spring I received emails from Sam 's Club/Synchrony bank telling me that I was to accept estatements and that I was not to receive any more paper statements. I did not accept estatements ; I checked my account on the website and it does not show estatements turned ON. I have not received any more paper statements for the months when I had purchases.
I received my last Paper statement for Payment Due Date XXXX/XXXX/17.
I did not receive a paper by mail or estatement by email for purchases I made on XXXX/XXXX/17. I did not know the " From and To '' date for the billing cycle for the purchases, and estimated that the payment was due on XXXX/XXXX/17. I did not know whether or not my estimate was correct. Evidently I was right, because a {$37.00} late charge was not applied to my Synchrony Bank card account for Sam 's Club.
On the morning of XXXX XXXX, 2017, I spent 2 hours on the phone with no results. I called Synchrony bank and got nowhere. The credit card company said I was supposed to be receiving paper statements. Obviously paper statements have been turned off. I can only go on the web site to ask for a " past '' paper statement.
I also tried to call Sam 's Club head office. I was given incorrect numbers by the local store. It took half an hour for me to get a number to Sam 's Club head office, but I never got through to anyone to tell them about the problems created by the card company for their customer : It is obvious to me that this is designed to create confusion for the credit card holder. People schedule payments from a statement where they can see the charge, payment due date, and a " from to date '' for the billing cycle.
Problem 1 : No statement means that people will miss a payment and have {$37.00} fee applied.
Problem 2. There is no " From To date '' for the billing cycle. This means that I can not tell the billing cycle that a purchase falls into, therefore I can be charged {$37.00} for late payment.

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 2017-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Deville Assets Management is currently reporting on a debt, in the amount of {$8900.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Deville Asset Management does not own the debt. I have a contract with XXXX  and not Deville Assets Management.

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX  Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.

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 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
in XXXX, I won a dispute by having " Diversified Services '' closed and removed from my credit report. After reviewing my report this morning with XXXX, the collections were RE-OPENED and RE-ADDED to my report. I know that this is illegal. I want the RE-CLOSED and Removed without me having to contact the BBB. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Good Afternoon, Re : Marketing offer never received : 4 months ago I opened up an account in Suntrust Bank the location in XXXX  XXXX, Fl It is near a place where I do contract work and they do direct deposit. I had an offer for a new account that offered {$200.00} after 90 days of opening a new account and having direct deposit and a min of XXXX the checking account would receive the deposit. I went over to the branch and asked if I can open the account or had to do it online. The lady that attended me said it was not problem. She said She would do all the paper work for me and after 90 days I would received the {$200.00} deposit.
Well its been 120 days now and I have asked and they are always giving me the run around. There was also a man complaining at the branch when I went also with the same issue.
I asked to speak with the manager but they would never let me talk to him. I called the XXXX # and put in a complain and they told me that I did not open the account correctly. I explained that the branch opened the account and I was told everything was fine no problem that I would received the {$200.00} in 90 days. I keep getting the run around, I complained again and was contacted by a lady named XXXX from the XXXX # and she explained that at the time I opened up the account 2 offers were going on. 1 for Branch and 1 for Online accounts. She explained that the manager would take care of this for me and I would receive my money since it was not handled appropriately. Since then the manager contacted me 2 weeks ago and said he was very busy and would call me the nest day. I have not heard from anyone and every time I call they are very unprofessional and give me the run around. I have other banks I use and I have never experienced this type of customer service before. I left several messages with the manager and never receive a call back.

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 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.

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 monetary relief
Consumer complaint received 2017-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim ; someone used his information without his consent to try and obtain several credit cards however those applications were stopped due to his 90 day fraud alert placed on his credit reports. The fraudulent applications resulted in inquiries on his credit reports that he never authorized. A formal dispute of those items was submitted to each of the named creditors to have the inquiries removed however those inquiries are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX DELAWARE Made a new TransUnion Hard Inquiry to my account without my permission. For that reason I now have XXXX inquiries from that company, XXXX legit and XXXX that is not. The first XXXX XX/XX/XXXX is totally legit because this is when I requested the card from them. The second XXXX XX/XX/XXXX should not be here because I did not changed or requested any other credit card or similar from them. I tried contacting the Bank support and they would not help me take care of the negative inquiry reporting because they said it was not possible through the phone and needed to involve the Credit Bureau on this. So, I also called Transunion and they suggested that if the bank is not being helpful, that I should file a complaint on the Consumer Financial Protection Bureau. In conclusion, that last Hard Inquiry should not be there and it should be removed in a quick and easy manner.

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 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NY

Complaint narrative:
I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Brelvis Consulting, LLC
State: MT

Complaint narrative:
On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.

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 2017-08-03 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: Clarity Services
State: FL

Complaint narrative:
I am re initiating this claim for the unauthorized inquiry on XX/XX/XXXX because their response to my 1st complaint is deceitful. I have never done business with this company and they have sent me a letter requesting my social security number in order to look into my claim. I provided sufficient information for them to look into this unauthorized inquiry in which they themselves do not know for what reason or on whose behalf it was initiated. Here is their response to my 1st complaint " In response to this complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Clarity Services emailed the consumer to obtain the information necessary to assist the consumer with her concern. On XX/XX/XXXX, Clarity mailed the consumer a letter requesting the information necessary to assist the consumer with her concern. As of XX/XX/XXXX, Clarity has attempted to reach the consumer using all communication methods provided in the complaint. The consumer was unresponsive to Claritys attempts to resolve their complaint. '' I sent them a follow up email response and never heard back from them. Instead, they drafted a new email trail re iterating without responding. She wanted to work on my claim via phone and I said I prefer email. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SUNTRUST BANK is charging business owners {$75.00} to make payroll changes for employees that are paid with paper checks. I 've asked on numerous occasions if this is their policy and if so, please provide proof. They have yet to do so.

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