vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07 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: KY

Complaint narrative:
Inquiries were placed on my credit report during XX/XX/XXXX - XX/XX/XXXX without my consent I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

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 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
This is a billing error on behalf of XXXX hospital

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 2018-04-07 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: CORELOGIC INC
State: KY

Complaint narrative:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

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 2018-04-07 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: MN

Complaint narrative:
Yesterday I am paying bills, called XXXX cause I Looked at my bills and again like last month it has fees on it that I did not understand, so like always I call XXXX and they say that Experian has closed my XXXX account, I said what. What does experian has to do with my XXXX account. I know XXXX told me several months ago they would reduce my credit limit from XXXX to XXXX i was fine with that until I get the bill down. When I contacted them last month, expecting to pay them XXXX dollars or so the automated teller said XXXX so I paid the XXXX. There was the XXXX dollars on the statement then but I thought I guess they know what they are doing I will just pay what they suggest. The XXXX dollars. Now yesterday I called to see why the XXXX is still on the statement and they tell me that the account is officially closed by Experian. I am confused and the young lady said, she hated having to tell me and other customers this information because XXXX has not allowed the customer service staff to see whats going on so clients can know when they talk to customer service people. The accounts originated with XXXX how can clients accounts then can only be discussed with experian and closed by experian with no 30 day warning to rectify or change anything. Isn't experian a credit reporting agency how do they get the authority to view and close my account, I don't even understand. And why is it that the company I open the account with does not close the account but a credit reporting agency does. I will do my best to pay XXXX off in the next few months and have them out of my life.

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 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
After calling our homeowners insurance in XX/XX/XXXX to inquire about coverage for recent water damage to our basement, we were informed that our homeowners insurance was canceled in XX/XX/XXXX. We have been without homeowners insurance for the past 10 months and had no knowledge of this. The insurance guy I spoke with said the mortgage company was billed ( due to it being escrowed ) and they never received a payment in return. You would think I would have been notified as well, but that will be another complaint on a different website at a different time. Our mortgage was transferred to Carrington in XX/XX/XXXX from XXXX. During that time, we had insurance all the way through XX/XX/XXXX that Carrington was continuing to escrow from my mortgage payment. However, Carrington failed to renew the policy by making the payment in XX/XX/XXXX.  Because we had no idea our insurance had elapsed, we have continued to make the same monthly payment every single month. Where has all of that escrowed insurance money gone for the past 10 months? Upon calling to find out, I was transferred to many departments, on the phone endless hours, and I still have no answer. I have the escrow analysis report from last year that clearly shows hazard insurance being escrowed and was told by the customer service rep that she can see the same report on her computer screen. I feel as though my loan was sloppily transferred by Carrington, and I demand answers. Carrington has not gone out of their way to help an emergency situation due to my basement being flooded with water from a recent storm/power outage. This is why lenders insure homes, so they are protected and so homeowners have immediate assistance when there isnt an extra pot of money just lying around. Instead, Carrington hasnt confirmed that this home has even been insured for the past 10 months. How scary is that? I also found out after speaking with the Carrington rep that they have us living in a condo instead of the residential property we have lived in for 12 years. Talk about a lack of trust in making sure that your mortgage company will take care of their responsibilities, which ultimately affects the borrower. As soon as this mess is cleared, we will be refinancing with a trustworthy lender who doesnt have a mass amount of negative reviews. How is this company even allowed to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: IL

Complaint narrative:
I have attempted several times to have my forbearance added back into my account as I was a student at XXXX XXXX college as well as XXXX University and therefore eligible for inschool deferment although I have sent documents to verify that I was a student Navient has not responded nor have they added back 18 months worth of in schools deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: TX

Complaint narrative:
Capitol One Credit Card keeps hard checking my credit bureaus. 
They keep sending pre-approved offers. They keep denying to issue me a card. They used hard inquiry that lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: VA

Complaint narrative:
I worked for a non-profit organization for 10 years, and tried several times to change my repayment to the Federal Loan Forgiveness program, but was with XXXX XXXX and then Navient, and was always told I didnt qualify. I have several classmates with loans from other lenders who have had their loans forgiven while I am still paying. 
In addition, I have been out of work for a year, and had my loans put in deferment when I should have been offered enrollment in the income based repayment plan. This was never offered to me. Now Im out of deferment and required to pay while still not employed. Im paying my student loans from my XXXX! When they should have been forgiven a year ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: MN

Complaint narrative:
My wallet was stolen on XX/XX/XXXX I immediately contacted the police to file a police report. Due to me loosing my card the crook already used card first unauthorized transaction at XXXX for {$190.00} and {$290.00}. I contacted Netspend to dispute charges. They said the charge to card was pending to call back next day. So I called back the next day on XX/XX/XXXX then they started transaction dispute. They didn't give provisional credit like they say the would. Told me I have to wait after investigation completed and it will be completed on XX/XX/XXXX .. Then XX/XX/XXXX came they closed it without getting my money back. I sent them everything including video of the crook from the store picking up wallet. Police report and all I talked with merchant from XXXX he said no one from Netspend contacted them about this issue. After hearing the closed my case with no finding I contacted Netspend and ask for supervisor got denied to talk to supervisor. I asked could I speak to someone who works with dispute and a customer service representative said it's no one you could speak to. Then searched online for a corporate number it was disconnected no number to reach out to. Another XXXX XXXX XXXX sent a email saying my Money of {$280.00} was deposited back on XX/XX/XXXX have yet to receive that money back as well.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: KY

Complaint narrative:
Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Ever since NAVIENT took over the student loans for the government they have increased the interest, payments, amount charged, and total amount of the loans. It's for my daughter and the loans were signed by my father as he has helped all of his grandchildren go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: MI

Complaint narrative:
I enrolled in a debit settlement program with Clear One Advantage / XXXX XXXX XXXX. When agreeing to the program, they could settle two accounts for me for a monthly payment of {$580.00}. That was it. They do all the work. Sounds good to me, so I proceeded. After several months of monthly withdraws from my bank account, Clear One Advantage contacts me and said they a settlement on one of my accounts. In order to get the settlement I need to pay an additional {$310.00} a month for two years growing my monthly payment to {$900.00}. Definitely not what I signed up for but they are sure good at talking you into it. I then received an email from a settlement agent. I expressed my concerns of the added monthly payment and she state you do not need to pay that added monthly amount. I reiterated 5 times via email and said if I have to pay that extra amount I don't agree. She said you are good, no added money needed. 20 days later she calls and said I made a mistake. You do need to make that extra monthly payment. I said I don't agree and am not paying it. XX/XX/XXXX, there was the extra {$310.00} pulled from my bank. I emailed my displeasure, and asked to withdraw from the program and multiple requests of a full refund. They respond with I am owed {$10.00}. I paid thousands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA/HIPPA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My Mortgage company has been charging my account for escrow fees each year, which was not on my original loan. They started doing this when I was late in paying my taxes maybe three years ago. They charge {$12000.00} k a year. By them doing that It made it more harder on my behalf yo come up with my monthly dues. i already have complained about this but all they did was to spread the payment over 12 months. Which Is I didnt find a solution. I just want this company to stop collecting escrow fees which I know that you only pay escrow when you buy or sell a house. I could definitely pay for my own property tax, from this day forward. My equity just goes to the chzrges that they impose every year. I want this company to refund me all the payment I made for escrow fees. My equity is gone because of the fees theh charge each year.

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 2018-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IN

Complaint narrative:
The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am the holder of a Chase XXXX XXXX XXXX XXXX  Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XX/XX/XXXX I was out of the country on business. Chase tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. Chase claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually chase will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by chase. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. Chase closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe Chase is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not.

I have been banking with Chase for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX

Company response to consumer: Closed with explanation