vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.

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 2018-03-26 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: MD

Complaint narrative:
XXXX is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.

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 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you 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 monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alliance Group & Associates LLC
State: VA

Complaint narrative:
Received a call from Alliance Group Associates regarding a loan from XX/XX/XXXXfrom XXXX XXXX  stating loan was not paid. I have written notice from XX/XX/XXXX from XXXX XXXX XXXX  who purchased this debt from XXXX XXXX stating loan was paid in full. When speaking with supervisor at Alliance Group Associates, she stated I had an additional loan which was not fact as I verified with originator of the loan. I have requested my personal data and any information they had regarding a loan or personal data about me and have been refused such information stating they are sending back to originator to verify. They have requested this letter be emailed to them and I do not feel comfortable sending them any information that they can not provide verification to. I believe this company is a false company contacting any information they can find to try and collect additional monies in resulting in harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and Capital1/XXXX as well as XXXX for the six inquiries and still no results.

1. XXXX Capital/XXXX   2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX   6.Capital1/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have unauthorized inquiries reporting on my XXXX report. I have contacted the XXXX XXXX and XXXX as well as XXXX for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 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: Equity Auto Finance, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have a loan with Navient and had been placed on a program but when it was up they never sent my renewal paperwork to get it started up again. It was based on my income the program and was able to get no payments due to my job not making enough. I was told when the time was over just call them and they would get the paperwork over to me. I did call and spoke with a representative and they acted like they did not know what paperwork I was talking about. By then I had lost my full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: ME

Complaint narrative:
I had signed up for college at XXXX. Around XXXX. I realised that i didnt have the time or money to be able to proceed so within a couple of weeks i opted out and dropped my enrollment. I had no knowledge of any loan at that point due to the information not being there yet. i also had not started classes at all i wasnt fully enrolled at that point. Years since then ive had tax returns/paychecks garnished. ive called and tried to make them stop. They did. it remained on my credit report Until XX/XX/XXXX when they took my entire refund of {$1800.00}. Im not impressed at all i never had a loan to begin with. But navient seems to say otherwise. I would like my money back and this " loan removed from my credit. They have not notified me of any withholding until after my refund had been garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I generally pay my credit card balances in full every month by the due date and did so in this case. I use an electronic bill paying system through my credit union. This issue is from my XX/XX/XXXX payment on my Chase Visa credit card billing statement for the amount of {$3500.00}. Payment was due on XX/XX/XXXX. My credit union 's records show that they made the payment electronically on XX/XX/XXXX ( confirmation # XXXX - see attached ). Chase Visa did not post or credit the payment until XX/XX/XXXX and charged me a {$35.00} late fee plus interest of {$77.00} ( XX/XX/XXXX ) and {$38.00} ( XX/XX/XXXX ) for the last two billing cycles. 

I intially called Chase and they refused to reverse the charges stating that the payment was two days late. After I confirmed with my credit union that the payment was processed electronically on XX/XX/XXXX, before the due date, I called Chase again. They agreed to reverse the late fee and first month 's interest charge ( {$77.00} ) as a " courtesy '', but they would not remove the the additional {$38.00} interest charge on my XX/XX/XXXX billing. They admonished me to pay my bill earlier to account for weekend delays in their payment posting procedures. 

I reminded them that this was an electronic payment and should post immediately and that XX/XX/XXXX was a Thur. giving them two " business days '' to have processed the payment. They refused to refund the remaining {$38.00} interest charge or any subsequent interest charges resulting in their not posting my payment when received. 

From my perspective, I did everything correctly and in accordance with standard financial procedures. I followed exactly the same payment procedures that I have always done before without incident. They received full payment prior to the account due date. It is their error and/or inefficiency that caused the late fees and interest and they are requiring that I be financially responsible for their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has closed my account and has not release my funds. My account was closed since XX/XX/XXXX, to date, it is XX/XX/XXXX. I have previously filed a complaint with CFPB regarding this issue however Citibank has not rectified the problem.

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 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: AZ

Complaint narrative:
I purchased a dishwasher from XXXX and used there rent to own program. The Dishwasher was purchased in XX/XX/XXXX for {$600.00} and With a payment of XXXX it was my assumption that I would be done paying the debt in XXXX. Here it is XXXX and I was surprised to see that this amount was still being deducted from my account. I called them this last Sunday to see what was happening and they told me that I never contacted them to arrange a buy out? I was confused because this was never explained to me at the time of purchase. I asked them to send me a copy of the agreement with my signature and they stated that it was a virtual signature taken via my credit card at the time of purchases. I have paid this company {$1000.00} thus far and informed me that I could buy out my dishwasher for {$180.00}. more. So basically I have paid them for 2 dishwashers ... DO NOT USE WhynotLease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
XXXX XXXX is trying to collect a debt I do not owe. I only called XXXX XXXX to inquire about prices. They wanted to get into a contract and I did not want that, so I never signed up. Now they not only reporting a debt I do not owe ... they are double reporting. Diversified Consultant and XXXX XXXX XXXX are both reporting on my XXXX report for the same XXXX XXXX debt. This is clearly a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.

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 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I just received a secured platinum credit card for capital one. I put down {$49.00} for a deposit and had a {$200.00} limit. I tried several times to make a payment, but for some reason it was trying to take the money from my old checking account. I didn't realize why it wasn't going through and added a debit card to pay the bill that way. It took the {$100.00} from my bank account but when I checked my account it said it was now restricted. I called into make sure the payment with through but they've told me they have just closed my brand new account. They told me I could apply again, but when I just did, I was now denied for the exact card I had had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To CFPB, In response to case # XXXX my attorneys and I previously decided to contact you concerning the bogus addresses on my Experian credit report, as stated by Experian in their response they sent me a copy of my credit report but did not show that the old bogus addresses as having been deleted so once again my attorneys are furious because of what seems to be a game Experian is playing and I remind you CFPB that I have been instructed by my doctors not to be engaged in stressful situations because of XXXX  I have suffered so now its time to take action against 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 2018-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I made two withdrawals with Coinbase, one for {$90000.00} ( Transfer ID : XXXX ) and another for {$10000.00} ( Transfer ID : XXXX ). Coinbase quotes me that the estimated payout for the withdrawals will hit my bank account XX/XX/XXXX. 

XX/XX/XXXX - I submit a support request asking them to investigate, recover, and transfer my funds to me. The support case # is XXXX. 

XX/XX/XXXX - Coinbase reaches out to me and acknowledges the problem and says they will work with a specialist to address it properly. They provide no concrete answers as to what happened or when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you 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 monetary relief