vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Dear sir/madam, I had signed up for XXXX XXXX XXXX provided by First Data XXXX Services LLC in XX/XX/XXXX for my XXXX  of XXXX XXXX XXXX XXXX XXXX 

I was using their merchant services till XX/XX/XXXX without any problem. On XX/XX/XXXX, I processed two transactions for the total amount of {$740.00} using merchant service account ( XXXX ). When I processed these transactions on XX/XX/XXXX, First Data XXXX Services LLC cancelled my account and never released the fund of {$740.00} to me as of today. I contacted their customer service several times and talked to their supervisors ( XXXX  ) in  many occasions, at the beginning they told me that the funds will be released after 60 days from XX/XX/XXXX, they also promised me that someone would get back to me from their security department, and as of today - nor their security department or any one else has called me back yet. Rather than releasing my funds, they are charging my account and adding lot of fees unfairly. They have cancelled my account unfairly and because of them, i had to pay additional {$530.00} for their devices. They have also reported my name on the merchant services as misuser. 

I called their security department at least 20 times to solve this issue and there is no one to pick up the phone, I left several voice messages too but no responses back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AR

Complaint narrative:
I live in Arkansas and saw an ad online for a title loan from TitleMax. I applied and was approved online, then had to go to Tennessee to get the loan. I actually signed an agreement from my home in Arkansas and sent it online. I have two title pledge agreements. The first one originated XX/XX/XXXX for {$1000.00}. As of XX/XX/XXXX, {$1300.00} has been paid. The second one originated XX/XX/XXXX for {$700.00}. As of XX/XX/XXXX {$790.00} has been paid. Nothing has been paid since then. 

AR Short Term Loan Act prohibits lenders from accepting a title as collateral for a short term loan. 

Regular or online title loans are illegal in Arkansas. 

The TN Title Pledge Agreement was emailed to me in Arkansas, I Docusigned my signature and returned it. Therefore, part of the loan took place in Arkansas. 

My drivers license, license plate and title were all registered in Arkansas. They sent in to AR Dept. of Motor Vehicles to be able to be a lien holder on my vehicle. 

AR loans are capped at 17 % interest. These loans are 170.21 % APR. 

These loans are illegal and unenforceable under AR Short Term Loan Act.

TitleMax received the money I borrowed plus 35 % interest on the first one and the money I borrowed plus 14 % interest on the second one. 

I wrote to TitleMax on XX/XX/XXXX asking for my title to be released. 

I received two letters back dated XX/XX/XXXX, stating that, We will NOT release the lien or return title until your account is paid in full Transaction # XXXX dated XX/XX/XXXX {$770.00}. Then, Transaction # XXXX dated XX/XX/XXXX {$900.00}. 

A copy of my letter was returned in the envelope with their two letters and its written in red, Denied. 

Those dates are definitely not right. I have my original Title Pledge Agreements. Title Pledge Transaction # XXXX is dated XX/XX/XXXX and Title Pledge Transaction # XXXX is dated XX/XX/XXXX. Plus, the first payment on the first loan was made XX/XX/XXXX and the first payment on the second loan was made XX/XX/XXXX. 8 payments were made monthly on the first and 6 payments were made monthly on the second. On the top of each page of the Title Pledge Agreements, it has Docusign Envelope ID numbers that prove they were emailed to me when I signed them. 

I need some help to get my title please. Not only were the loans illegal in the state of Arkansas, but their records arent even dated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX while cruising on the XXXX XXXX I opened a XXXX XXXX   credit account in their Gift Shop and purchased a pair of Green Amethyst earrings for {$590.00}. 

On XX/XX/XXXX, while still on the ship, I decided not to charge the earrings and requested the amount of {$590.00} be credited off the XXXX XXXX  account and charged to my Norwegian Gem Onboard Account. The transfer was completed and I paid my onboard account with one of my personal credit cards prior to leaving the ship. 

In XX/XX/XXXX, I received a statement from XXXX XXXX for a purchased on XX/XX/XXXX. The statement also noted that XXXX XXXX program was ending on XX/XX/XXXX and payments should be made to COMENITY - XXXX. 

I called customer service and explained that I did not owe the money. I sent them copies of the original receipt, the credit and the recharge to my onboard account. These documents were submitted to the Dispute Department at Comenity Bank. 

I received a letter from Comenity Bank, dated XX/XX/XXXX, stating after careful investigation, they determined that I was not responsible for paying the disputed amount and they were making an adjustment to my account. 

The total amount of {$650.00}, which consisted of {$590.00} for the earrings plus interest should have been deducted from my account leaving a zero balance. 

To my surprise, when I received the next statement, Comenity Bank had credited the interest accrued from previous statements but instead of crediting the price of the earrings they added them again in error and added interest for the current month making the amount I owe, {$1200.00}. 

I called Customer Service to point out the error and was told they would have to open a dispute. I told them I had already gone through the dispute process and they should have all the necessary documents to correct their error. 

Comenity Bank will absolutely not look into how the error occurred and continue to harass me with phone calls. I am still getting statements with interest accruing and monthly late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I requested debt Validation from XXXX XXXX XXXX XXXX that represents Flagship Credit Acceptance and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but Flagship responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking Flagship to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to 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 explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My checking account with CitiBank was closed by the bank without any visible reason on XX/XX/XXXX. Meanwhile Ive had a check deposited on XX/XX/XXXX which went on hold. On XX/XX/XXXX I received the letter from the CitiBank Fraud department stating that my account is being closed and that it is going to take 30-60 business days and if I have any funds available ( which was my check ) it will be returned to me by the mail with the official check. It is XX/XX/XXXX and I still havent received my funds. I called them already 6 times and they kept lying to me that the check is going to be sent tomorrow, still nothing. I went to the branch which gave no results either because the banker has no info and has to contact the same department as I. I called them in again today and they said that they need more time to verify, I could not get the answer WHAT actually they need to verify, but I am sure that 7 month is more than enough to verify whatever they need. That long funds withhold caused me a huge damage, especially during the pandemic times, I am in a really difficult financial situation right now and I can not get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a floor put into both my living room and sunroom via Lowe 's using my Lowe 's Synchrony credit card.

Another Lowe 's contractor was installing a door on the sunroom last spring XXXX XXXX when he point out issues with the flooring that i didnt notice. 

I was immediately contacted by XXXX @ Lowe 's Install Team ( XXXX ) she has been trying for over a year to get the contractor to fix the floor. 

I started speaking with XXXX XXXX at the Presidents Office for Synchrony Bank ( XXXX ) there is a dispute on my card currently for {$2300.00} ( actual is only {$2000.00} ) for door and flooring issues. I was told by the company that NLT  XXXX they have an answer. 

When i reached out next someone from Lowe 's sent paperwork that the floor had been repaired by XXXX XXXX ( XXXX @ XXXX ) which is a bold faced lie and Ms XXXX reopened the claim and pushed it back to XXXX XXXX refused to do any warranty work against their spotty craftmanship cause it was done at 3 different times and they had sub-contracted out 3 different companies ( 1 was their own employee ) They do not want to repair the work at all! 

On XXXX, I spoke with XXXX XXXX XXXX with no real answer ( XXXX haven't talk with either since ) I went into the store and spoke with XXXX the GM ( XXXX ) He was not made aware of this issue that i had been fighting for over a year. 

He offered to look into and i have not heard back from him 2 months later. However on that day he did personally apply a {$500.00} credit on my Lowe 's account which covered {$250.00} against my XXXX XXXX check card, {$220.00} directly towards my issues, and the remain was $ XXXXwas as a round number. 

Prior to this I was totaling between flooring and door issues {$2600.00}. XXXX XXXX could not back me up due to the length of time i had been arguing with Lowes / Synchrony. 

{$2600.00} TOTAL XXXX account credit XXXX gift card XXXX account credit I still have an issue with a XXXX floor that I can not pay someone else to come in and RIP up a 2 year old floor and still pay off {$2000.00} on a card with no recourse

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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I emailed XXXX, XXXX XXXX requesting her to close my checking account application. Now I have negative balance {$4.00} and my account still isn't closed. I want my account fully closed. The account rep was very deceptive and I didn't think USBANK operatives this way. I always heard great things about USBANK

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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
In XX/XX/2019 I attempted to dispute a debt for XXXX XXXX and for XXXX XXXX  for services we believe are in Texas. I live in Kansas.I am a victim of ID Theft and this is not my debt. I sent a complete packet including police report, id theft affidavit, proof of address, identification all in another state. The debt collector XXXX and XXXX XXXX continually has responded to the dispute validating the debt. This debt is not ours and they keep telling us to call back with no resolution. This debt appears to be in the process of being sold again. 

They confirmed they have copies of all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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:
I have paid off all of my loans with Navient as of XXXX of this year. 

I previously used direct withdrawal from my checking account to pay my loans. 

After I paid off my loans and received my " Congratulations! '' statements, with XXXX ( XXXX! ) balance, I still am having the same amount withdrawn from my bank account. 

I called Navient for resolution, and they directed me to use the email interface from my login. 

However, I can't use that interface, because my accounts don't exist anymore. So I had to fight to have my complaint escalated. 

It was finally escalated ( in XXXX ), and the man I spoke to asked me to email him documentation that I was being charged. ( They couldn't look it up, because I have no account, because my accounts are closed, because they are paid off ). So I emailed him my documentation that shows " NAVIENT '' on my bank statements, taking out the same amount monthly. 

I never received a response. 

I wrote again, and no response. 

I wrote to the consumer advocate again in XXXX of this year, and here we are. 

I have now had 6 extra months of student loan payments withdrawn from my bank account. I can't stop the payment, it's a withdrawal from their end. During a pandemic they are continuing to pull money from me when I have dutifully paid my balance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I traveled overseas during 2019 for a period of 10 days. Upon return, XXXX/XXXX  XXXX charged my account {$360.00} for " roaming charges '' that were allegedly accrued during my trip. Knowing that there was a charge for this, my phone was on wi-fi only for the entirety of the trip. I pointed this out to the carrier and they said I must be mistaken, and that the charges are owed. Having not received service while i was overseas, i contested this with the XXXX. I also requested that they remove my credit card from auto pay as they repeatedly tried to draw the amount on a weekly basis. I eventually had to place a block on their efforts, cancel my account and switch carriers. To date they have still not acknowledged these predatory tactics nor tried to correct their erroneous charges. I have now been sent to collections for services not rendered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been the victim of identity theft. A XXXX 's credit card has been opened fraudulently in my name, I need it removed and blocked from my credit report immediately. My name is XXXX XXXX. 

Account number XXXX Date opened XX/XX/2014 Account type Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I placed an order with XXXXXXXX XXXX  XXXX on XX/XX/2020. The order was transferred by XXXX to USPS for delivery. The initial tracking information states that the order was delivered to an individual but after further investigation it was determined that it was not. I have attached email correspondence from USPS verifying that they have not been able to locate this package. I was advised by Comenity and XXXXXXXX XXXX   XXXX  to email them my documentation showing that my package was unable to be located. I did that on XX/XX/2020. I have contacted XXXXXXXX XXXX XXXXXXXX  in reference to this order several times and they refuse to investigate the matter further. As of today they have sent me a letter saying my dispute is closed and to contact the Merchant ( XXXX XXXX XXXX ). I have contacted the merchant via phone and email per their request on XX/XX/2020 and again today XX/XX/2020 and am still awaiting a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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: GA

Complaint narrative:
As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX   monthly payments since the accounts were in forbearance and they were not supposed to collect payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
This company was contacted multiple times, along with the original company. I have had fraudulent claims on my credit report thoughput the past few years, and this one is listed as an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been contacting transunion sending certified letters, only to not get my issue resolved. i have explained in all my letters i have been a victim of identity theft for years and this has affected my life tremendously including having to keep contacting and explaining the inaccurate information. with that being said everything transunion has asked for i have done and provided including freezing report and sending a identity theft report. by law transunion is to investigate block and delete any inaccurate information they are reporting. they are doing their part as all they do is send these pre written letters that dont show anything being done or their part. as an american citizen a deserve to be treated fair and things like this can be resolved by taking a second look.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
Discussed with LendingClub about communication. I called and explained to them that my company is now banning cell or smartphone during the hours except for break time. From now on, we have to use email communication regarding of loan payment issues. They did give me email address for communication on any aspect of issues. they gave me is XXXX I did email to follow up and they replied me to make a phone call to them repeating. I response to them that I can not making a call because of my time working and schedule which is unlikely will make phone call except for break time. Every time I call them during break time and it almost never reach them, mostly are on recording and too longer to reach them. Rarely made it through but my break time ran out. my break time is limit to 15 minutes. I wanted to use that break time to contact my family, friends, etc. They understood it. I sent them 4th time so far an no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Atlantic Recovery Solutions LLC
State: VA

Complaint narrative:
This company has been trying to contact me via text messages for about a week. I sent a message after the original message on XX/XX/XXXX to send me a letter. I recieved another message on XX/XX/XXXX to which I requested another letter and advised them to stop texting me. On XX/XX/XXXX I recieved another message and again told them to stop texting. This is the message I continue to recieve " This text is from ARS. XXXX XXXX we have a legally required notice in our office with your name and SSN # attached. We need to speak to you or your attorney regarding case # XXXX. Please text or call back XXXX to discuss your case. '' This company has not identified themselves as a debt collector either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation