vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion failed to provide my credit report when requested then claimed that they had done 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
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Nearly two years ago, I worked with Synchrony Bank regarding an issue with my Banana Republic card. I had contacted Synchrony to close my card and visited Banana Republic in store, but was told multiple times that I had a {$10.00} credit on the account by sales associates and the bank and encouraged to keep it open. This {$10.00} credit was rewarded credit earned through purchases on the account. <P/>
As a result, I was quite surprised to learn in XX/XX/XXXX 2014 that I had a delinquency on my credit report. The total amount charged on the account in question was {$3.00}. I still had a {$10.00} credit on the account which was not applied and did not reduce the balance, which should have been XXXX. After interest and fees, I paid {$16.00} and was told that Synchrony bank would rescind the delinquencies from my credit report. <P/>Unfortunately, I recently reviewed my credit report and found the amount was still there. This has negatively impacted my credit by over 100 points. Prior to this incident, I had paid my card on time and have had no other issues with this card or any other credit card that I have ever owned. I also never received my {$10.00} credit. <P/>I believe that this error has caused undue hardship and has been inappropriately assigned to my score.

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 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
For the second time the loan company has not paid the bills for insurance and property tax on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a statement with an annual fee for a credit card I attempted to convert to another credit card product on X/X/17 with citi via phone. I was under the impression this was underway and was actively taking place. I received yet another bill in XX/XX/XXXX ( for the same aforementioned credit card I attempted to convert in XX/XX/XXXX ) and called citi yet again on XX/XX/XXXX. I spoke with a front line csr who said I had already attempted this, but my account was n't able to be converted due to it being past due. I was frustrated that it was past due, as I requested the product change before the payment due date listed on the previous bill. I spoke with a supervisor this time named XXXX who said I received word I would have to pay the previous annual fee prior to the product conversion. I was confused as to how he could possibily know this as he was n't the person who handled my request in XX/XX/XXXX, and did not have time to review any associated phone recordings prior to speaking to me. This dismissive practice of the customer always being wrong has got to stop. I am being punished due to citi being inept with their speed of product conversion despite my asking for it prior to the payment being due. I paid the " minimum payment '' per XXXX on the phone as to avoid any negative credit reporting by city, but feel this payment was made under duress as I had no alternative.

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 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
On XXXX XXXX 2016 my house was up for foreclosure auction. I have been trying for years to get a lower mortgage to save my home. I have suffered financial hardships and proven them to the lender. They had no desire to help me save my home and have offered no help. I have complained about the lack of help before but nothing changed. Anyway I filed an emergency chapter XXXX bankruptcy to stop the foreclosure sale and was successful. I wanted lender to have more time to go over my latest refinance packet. I have the stamped piece of paper with a case number to prove that I filed before sale. I heard nothing from lender. Recently a notice appeared on my door telling me that I needed to vacate my home. The paperwork said that Nationstar bought my home back on XX/XX/XXXX and sold it the same day to an unnamed party. Both sales should not have happened. Nationstar knew about the chapter XXXX but proceeded with sale anyway. I believe they broke the law. I already believe they have unfair foreclosure practices. This was a new low. They are very crooked and very disorganized and very sneaky. The stress sometimes gets unbearable. Nationstar thinks they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 in 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 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX states the Creditor to whom the debt is owed as Bank of America, N.A. s/b/m/ to BAC Home Loans Servicing. ( enclosed ) 2 ) The true secured creditor was revealed by BAC as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX XXXX on behalf of Bank of America. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of BAC Home Loans Servicing as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.

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 2017-07-10 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: FL

Complaint narrative:
In XX/XX/XXXX Transunion had deleted several inquiries from my credit report. I have now come to find out upon reviewing my Transunion credit report that the same inquiries that had been deleted have all been reinserted without any notification. Upon further looking into this matter it us my understanding that they did not legally add those inquiries back on. Section 611 under the fair credit reporting act states that anything deleted from my credit report and then reinserted must be notified within 5 days after such action is taken. I never received anything. I have called them and have been told that they can not help me and was told that it was a system error on their part but that it is now fixed. It is my understanding that Transunion did not go about this the legal way which is why I am now submitting this complaint. Please the list below of the inquiries that had been deleted and then added back on. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC
State: SC

Complaint narrative:
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used Venmo to sell an event ticket ( which I only found out after the fact I could n't do or I would n't have done it ). Venmo cancelled my transaction of over {$1200.00} and took the money from my account. The issue is n't with the {$1200.00} ( if it is indeed fraud then I may be out that money and just have to " XXXX XXXX XXXX '' if you will ). The bigger issue is the over {$490.00} that is still in my Venmo account that I can not transfer to my bank account. Venmo is holding this money " hostage '' essentially. I have not heard back from their customer/account representatives and I need this money returned to me as soon as possible so I can use it to pay critical bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I 'm need help I 'm confused about everything. I 've been paying for 5 years and the principal never goes down. they even went into my jobs payroll

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom i t may con cern, After carefully reviewing my  XXXX  credit report i notice navient have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean navient is reporting the same account 2 times on my  XXXX  credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: FL

Complaint narrative:
To whom  it may co ncern, After carefully reviewing my equifax credit report i notice   XXXX   have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean  XXXX  is reporting the same account 2 times on my equifax credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TX

Complaint narrative:
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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