vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: VA

Complaint narrative:
My daughter purchased a NetSpend reloadable Visa card so I could pay for my car insurance. I registered the card but inadvertently used her ss #. I thought I had to use her ss # because she purchased the card. When we called the car insurance company, they told me I had to use my ss # to associate my name with the card payment. We immediately called to change the information on the card but was told it would take several days for the information to change. I only had two days before my insurance lapsed and waiting for the change was out of the question. We called for a refund in the amount of {$190.00}, what my daughter paid for the card. They supposedly mailed the first check on XX/XX/20. I never received the refund check. I called three times and was told to call back after XX/XX/20 so they could investigate what happened to the check. I called again on XX/XX/20 and was told a replacement check would be mailed out. I reported the incident to XXXX on XX/XX/20 # XXXX. XXXX XXXX from NetSpend contacted me on XX/XX/20 and stated the second check was mailed on XX/XX/20 and if I did not receive the check by XX/XX/20 to call him directly at the number he provided and they would have to figure out alternative methods to refund my money. On XX/XX/20 I called and left a message. I also left a message on XX/XX/20 and my calls were not returned. I finally contacted him on XX/XX/20 and he stated he was on vacation and received my calls. He also offered to send a money gram but I told him I am no longer driving and would not have access to a ride to get to a money gram location. I refuse to take public transportation because of COVID-19. I suggested he mail the check to my daughter in Virginia, the original purchaser of the VISA card, to deposit the check into my bank account, he said no because the address is different than the one registered to the card. XXXX also stated they would not be able to send a third check out. I also asked what did we need to send to change the account to my daughter 's but I do not recall him answering my question. At this point, I am not sure what is going to happen. We want a full refund and hope the company will cooperate and send the check to my daughter. XXXX was supposed to research the 2nd check to see if it was cashed and get back to me today, XX/XX/20 but never did.

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 2020-09-21 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: NY

Complaint narrative:
I am a victim of identity theft as i have previously notified Experian

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 2020-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
Same day of delivery, I told them, immediately, the day of the delivery of their, Thursday, XX/XX/XXXX, at XXXX, that the Fridge was not working properly. -The Fridge, on the lower section is not cooing. -The light will not turn on on the bottom left portion. -The upper right view door does not work/it will not open. -The LED display did not and it still does not display the correct temperature. I called them the very next morning since it was still not cooling/working properly. I was informed to allow 24/48 hours. I did. I called again. 
Thursday Delivery, Call Friday, Allowed Saturday, Called Sunday Morning : they said they would get back to me. They never did. I called back during the weekday and I repeated my story about not working and was told to allow 24/48 hours. I said I already had, the delivery was on Thursday and that at this point i wanted to return the Fridge/exchange. SHE KNOW TELLS ME THEY ONLY DO RETURNS/EXCHANGES IN THE FIRST 24 HRS!!! I have it in writing that I notified them immediately. I was given the Service Number, they never answer.

After being on hold for over an hour multiple times, it is beyond clear they have no intention on selling a working fridge. Please know this is a new Fridge. This was to have dings and I was OK with Cosmetic. I am not OK with none cosmetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of XXXX XXXX Halsted Financial Services , LLC . 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from XXXX XXXX XXXX Halsted Financial Services , LLC . 

Neither one of these collection agencies has ever contacted me to verify any debt, yet XXXX XXXX XXXX, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

XXXX XXXX XXXX has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, XXXX XXXX XXXX will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe XXXX XXXX XXXX/Halsted Financial Services, LLC anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and XXXX XXXX XXXX, they fraudulently and falsely continued to slander my credit, and XXXX XXXX XXXX, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want XXXX XXXX XXXX Halsted Financial Services XXXX LLC/ XXXX XXXX XXXX XXXX to cease and desist from ever contacting me again. 

On the credit file, they also list XXXX XXXX XXXX as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and XXXX XXXX XXXX, and XXXX XXXX like to play a game that neither XXXX or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

XXXX XXXX XXXX Halsted Financial Services XXXX XXXX XXXX XXXX XXXX, can contact the Consumer Financial Protection Bureau XXXX and the Consumer Financial Protection Bureau XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, I received a credit card offer from Chase for a Chase Freedom Unlimited credit card. The sign up bonus was advertised as : 1 ) {$200.00} statement credit after {$500.00} charged to the card in first three months, and 2 ) 5 % cash bank on groceries in the first 12 months up to {$12000.00}.

Chade has refused to honor this agreement. I contacted Chase credit card sustainer service in XXXX. They claimed to have sent me a letter on XX/XX/XXXX, this was never received. I am signed up for secured online messaging. In XXXX I contacted them for an update. They stayed at one point that a letter would never have been mailed to me, only email. They also stated that I needed to send them a copy of the email, I did this. I received a secured message on XX/XX/2020 stating that they would not honor the agreement. I have closed the credit card and want them to honor the agreement, {$200.00} statement credit to my checking account and credit for all cash back money earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
At the time of the late payment XX/XX/2020 I was severely impacted by COVID-19. And my job went on furlough and the Texas unemployment had me on hold while they verified with my employer. I incurred a late payment from the finance company on my credit report. The late payment was not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TX

Complaint narrative:
Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and Experian.

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 2020-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I borrowed less than XXXX thirty years ago, and I have paid in over XXXX over the years. This is more than double what I borrowed and they say I still owe over XXXX and are not eligible for forgiveness eventhough I worked over 10 years for XXXX full time. I did not ask for my federal loan to be assigned to Sallie Mae or Navient. I also did not receive the covid deferment as in the stimulus package and the president 's executive order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet. You guys finally called and I was at the grocery store with a close to dead phone I couldnt finish the call. Im so sorry for the annoyance I could have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank Adjustment/Deed in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : XXXX His Name is XXXX XXXX XXXX I contacted XXXX and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.

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 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I received a information from XXXX XXXX, that`s my social security number received a collection account. Account balance : XXXX $ From Southwest Credit System, and original creditor is : XXXX. 

My plan is form XXXX Since XXXX. 

I went on XXXX XXXX store, today ( XX/XX/XXXX ), They couldn`t find anything in my social security number, The Southwest representative said, the XXXX doesn`t have any information about this debt, but the Southwest have it. That`s crazy. 

The " unpaid '' bill was in XXXX. 

I`m trying to get the original bill from XXXX XXXX, but XXXX XXXX  doesn`t have the bill. The Southwest Company always said tha`ts will send to my address, but i never received anything about that. 

The other thing is, the Southwest representative said the original amount is XXXX ... So they are charging XXXX? 

I`m trying to loan a new car but my credit was not approved because this collection, where no body have the original bill. 

Just check the reviews from this company ... they do not have good behavior on the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a deposit at a Navy Federal ATM, the lesser amount was returned, I was then give this receipt, from their " Navy Federal ATM '' machine. 
I filed a claim. My claim was denied! 
. Now I have a receipt from Navy Federal ATM that is undisputable and witness of, and video surveillance from a major store of this incident happened in. 
How can my claim be denied? 
Come to find out upon speaking with a supervisor at Navy Federal. I  was notified that the Navy Federal ATM 's are not owned and operated by Navy Federal The agency that owns and operates the Navy Federal ATM 's, make their own reports of the activity of the ATM 's This allows them to have the ability to make false statements about money deposits though their ATM 's. 
The agency reported no overages of money deposited within the ATM. 
Sounds Strange when I have a receipt from the their machine that I deposited money and clearly states that my money was not returned by this machine now they can't find my money!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a car loan with 5/3 bank. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX 5/3 contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. 5/3 advised they would call back. They never did. 5/3 filed with the credit  reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
I was directed to a company called Amerisave through XXXX in order to apply for a refinancing on my home mortgage. I received an initial quote from Amerisave that was the most attractive amongst several offers. A representative of the company, XXXX XXXX, contacted me the next day to start the application process. At the time of application, they quoted a refinancing package to me that included approximately {$4000.00} in cash at closing, and a rate of 2.75 %. That offer was basically in-line with what had been presented the night before. Based on that, I gave them my credit card number and they charged me an application fee of {$500.00}. A day or two later, with no explanation, they sent me updated disclosure documents which required {$9000.00} in cash at closing. When I contacted XXXX and his colleague XXXX, neither of them could or would explain the {$5000.00} increase in cash at closing. I've tried contacting the company several times by email, once by voicemail, and several times by text message and they won't explain why the closing costs increased by {$5000.00}. They are continuing to try and push me through the process, including asking for further detail on my insurance policy and having an appraisal company contact me, while actively ignoring my questions around the massive increase in upfront costs.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 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: MA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation