vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Hi, I was expected to receive a refund on the XXXX of XXXX from the merchant XXXX in the amount of {$130.00}. This has been processing for some time and I fear that this will take longer than expected and that nothing is being done. This has never happened with this company, and given my luck, I am sure that something more is wrong and going on. I have waited long enough and need my money. I have contacted American Express via phone and the agents say that everything is fine, but they have no way of sending a message to whoever is in control of the processing hold on this refund. I never really received any updated info on this, and day after day, the refund is just sitting there processing. I strongly believe something else is wrong here. My email for this account is XXXX and the last four of my social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
in XXXX I agreed to settle the outstanding amount owed by my late husband, I sent the check for {$5000.00}. and since then a debt collection agency calls 3 to 4 times a day leaving no message. The debt has been sent against my credit report as an overdue loan payment The company is One Main and the collection agency is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: LA

Complaint narrative:
I received a call from my mortgage company saying they saw where I was shopping around for a house, well I have not been. I checked up credit report and it shows a hard hit on XX/XX/18 and it said miscellaneous agencies Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I contacted this agency through mail with written notice asking them to verify that this account belongs to me either with a copy of my ID, a signature, or a copy of my social security card. This agency responded by sending me 3 letters asking me to send my request in writing but I already did that. This issue is stopping me from living life to my fullest potential and i need action taken as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
Hello, I was talking to PayPal credit ( they called me at XXXX CST ) I was speaking with a representative named XXXX ID # XXXX. He was not getting what I was saying at all and kept going in circles, making me feel slightly harrased. The real problem is when I asked to speak with a supervisor. He then put his headset down, and did not mute his microphone. While he was standing there he said I sounded " like he doesn't know anything, sounds like he just woke up. '' His manager XXXX ID # XXXX then came on the line. I asked if that is what he said about me. She said yes and that she told him not to say it again. This made me feel extremely harrased and trying to insinuate that I don't know what I'm doing. I do feel very harrased by this representative XXXX ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I had originally had submitted a claim XXXX on XX/XX/2018 and disputing XXXX XXXX XXXX Missouri on my Chex System FIS report. I am unable to open a check or saving account due to this issue. I have now been able to obtain a statement from my lawyer as well as the indentity them case ( court document ). I have mailed it to Chex system and would like to open another complaint. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: GA

Complaint narrative:
inquiries that should be deleted due to their customer services would not take care of the negative inquiries reporting to my credit report.

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX 2.SXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  DATE XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX & XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX  DATEXX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   DATEXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE XX/XX/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 non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX calls every two hours despite my notifying them I could not make the payment at this time. Below is the last email I sent : Your records will indicate I have accepted responsibility for the late payment and trying to resolve. Calling my house every two hours and hanging up before I can answer does not help and would seem to violate Fair Debt Collections Act. Accordingly, I have blocked the number which is my right as a consumer and will update you when I have new information. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I called and asked Portfolio Recovery to stop calling my number for a debt that is not mine. However, the company continues to repeatedly call almost every day, before XXXX XXXX and after XXXX XXXX. I have made it clear that I have no debts to collect and that they are calling the wrong number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/18, I asked Ally Financial to not send mail to a specific address and not to call a specific telephone number. They asked for me to have the other member on the account sign a letter to verify this information and they did. Ally received the signed documentation and agreed not to send mail or contact the phone number I requested. On XX/XX/18, Ally sent mail again to the address we specifically agreed not to send mail to. This is a continuous habit of Ally Financial as they believe and continue to do whatever they please without any consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Years ago when my daughter was in college I took out a private student loan through my XXXX card. The account was first purchased by XXXX, then finally in the past few months purchased by Navient. My daughter who is gainfully employed advised me she did a Release of Responsibility. And sure enough the account was removed from my Credit report to the some of about {$7200.00}. Last month I received a letter to my house advising me my daughter was {$57.00} past due, so I called Navient informed then I am no longer on the account and it has been removed from my credit report but will make the payment for my daughter. 
They then proceeded to get rude and tell me I am not removed, when clearly it had ben off my Credit Report for months. This month XX/XX/2018 the Navient account was put back onto my credit report after the Release of Responsibility for the Cosigner me ( XXXX XXXX ), had been removed. My daughter XXXX XXXX contacted the company informing them they had made an error, no one could explain what had happened. NAVIENT then proceeded to inform my daughter she would once again need to submit the Release of Co-signer paperwork, along with school transcript, my paystub, and her employment info. We keep doing this and the company knows I should not be receiving mail, or have this info on my credit report, but once again I am in the same situation. The account should be off of my credit report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: PA

Complaint narrative:
I was charged with 3 overdraft fees on XX/XX/XXXX after the bank posted I had available funds on my online banking account ledger. On XX/XX/XXXX ... I was told I was overdrawn on XX/XX/XXXX. The available funds posted on XX/XX/XXXX was inaccurrate. My paycheck.posted at XXXX on the XXXX ... but according to the bank I was still.overdraft status ... .which did not post until.Saturday the XXXX. The bank refuses to refund two of my {$38.00} fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
To the loan but discover interest rate is against legal rate for my state also withdrawal on dates not authorized I have no paper work with terms ssXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MA

Complaint narrative:
On XX/XX/XXXX, I withdrew CAD {$60.00} from an ATM in XXXX using my XXXX XXXX XXXX which also incurred a CAD {$2.00} ATM fee. On XX/XX/XXXX, the transaction cleared for US {$49.00} with a US {$1.00} ATM fee refund. The exchange rate that the bank applied was 1 CAD = XXXX USD ; however the wholesale exchange rate at the time was 1 CAD = XXXX USD ( as retrievable at XXXX ) resulting in an excess cost to me of US {$2.00}. I submitted a dispute to the card issuer BNY Mellon on  XX/XX/XXXX, and they confirmed the transaction occurred at the higher exchange rate and denied responsibility. When I spoke with the dispute agent over the phone XX/XX/XXXX, she could not explain the discrepancy between the transaction exchange rate and prevailing wholesale exchange rates ; she advised she could not help me further and directed me to call the brokerage. When I called XXXX on XX/XX/XXXX, that agent also advised he could not help me and directed me back to BNY Mellon. This exchange rate was unfair and contrary to the account agreement that states in section 2.5.2 the bank will generally obtain exchange rates through Visa at wholesale or government-mandated rates.

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 2018-06-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I got a secured credit card with USAA a year ago. I set it up to automatically pay itself through my bank account, also with USAA then I had credit card fraud on my Credit card and I notified them, they canceled that credit card and issued credit back to my account for the fraud charges I noticed at that time that my automatic payments were not going through and I called. I was placed on hold so they could research but they never came back on the line. I called back on Thursday, and ended up on hold for a very long time while they researched with their back office and they came back and told me that the automatic payments cancelled when the fraud was credited back onto my account and that their system recognized those credits as payments instead of a fraud reversal credit and the auto payments stopped and nobody in USAA had identified this as an issue nor bothered to fix it. They never put the automatic payments back on, even though I called multiple times about this and this resulted in them counting me as delinquent, and now is reporting on my credit. 
I tried reasoning with them and asking how they can make me suffer consequences for fraud, which wasnt my fault, how their system recognizing fraud credits as payments is something that I as a consumer am being held responsible for. This is SECURED credit, its my money to begin with and yet not only did they charge me increased interest, and penalties, they are defeating the purpose of my even having a card to rebuild credit because of their FAULTY SYSTEM this is not ok

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2018, I was alerted by XXXX that CHASE CARD obtained a copy of my XXXX Credit Report. This was not unauthorized by me and I have disputed this with Chase before this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The lender Santander bank every XX/XX/XXXX of each month automatically withdraw mortgage payment and escrow amount from my bank account to pay property tax. However I got a demand of payment letter from the town in XXXX asking for fiscal year 2018 property tax payment with a demand fee of {$5.00} and interest charge through XX/XX/XXXX of {$12.00}. The demand fee and interest charge ( due to late payment of property tax ) were caused by the lenders negligence, not because of my failure of payment. I contacted the lender with a call and followed up with an email on XX/XX/XXXX to resolve the issue and asked the lender to pay the demand fee and interest charge ( for late payment of property tax ). The lender did not respond or contact me at all as of today XX/XX/XXXX. I also got another letter from the town for another interest charge of {$33.00} ( due to the late payment of property tax ). I requested The lender be responsible to pay property tax on time and also be responsible for any additional cost such as interest for late payment of property tax in total of {$46.00} and the demabd fee of {$5.00}. I request full refund of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received notification that I had a new collection on my TransUnion report. The account was from the Department of Veterans Affairs, from an educational benefits payment from XX/XX/XXXX. The original account was paid in full but TransUnion was still reporting it as a " charge-off/closed '' account & added it a collection, even after I paid it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2018, my XXXX  Fraud alert contacted me about BANK OF AMERICA obtained a copy of your XXXX Credit Report without my knowledge or authorization.

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