vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-17 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: CO

Complaint narrative:
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested.     Now, I see no less than  XXXX    OneMain Financial hard inquiries on my  XXXX  credit report alone.
Frankly, I did n't even authorize the type of applicati  on they ran the first time, let alone  XXXX  more times.      XXXX  claimed it was only able to remove  XXXX  of these inquiries and suggested I contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: STATE FARM BANK, FSB
State: IA

Complaint narrative:
My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.

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 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LTD Financial Services, L.P.
State: AL

Complaint narrative:
CHAPTER  XXXX  WAS FILED  XXXX / XXXX / XXXX  AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON  XXXX / XXXX / XXXX . APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM  LTD FINANCIAL S ERVICES  XXXX ,  XXXX   XXXX  DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM  XXXX  CREDIT CARD. I MAILED LTD AND  XXXX  COPIES OF THE FILED CLAIM FOR  XXXX  AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER  XXXX  CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH  XXXX  AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE (  XXXX   XXXX   )  SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER  XXXX , IN FACT IT LISTS  XXXX  AS A  XXXX  BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED  BY LTD AND THE UNDUE   XXXX   XXXX   XXXX   THEY ARE CAUSING ME IS UNNECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I pre viously had a American Express p referred cash credit card. Before I made a decision to cancelled my credit card, I called AE customer services several times regarding the reward dollars and the positive account balance. I got positive answers about I could get my reward dollars back and the account balance back. Then, Icancelled my card. Later, I did get my account balance back through check. However, I did not get my reward dollar at all.     I contacted customer service for several times again. This time, I got very different answers. They said that for reward dollars lower than {$25.00}, I could not redeem them at all. As my account has {$19.00}, there is no other way for me to redeem it.     I do n't feel very comfortable by this answer. First, this is not what I was told before. Secondly, it simply saying that I am going to lose my reward dollars which should also belongs to me as well.     I would appreciate a solution for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..

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 2017-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: AL

Complaint narrative:
CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.

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 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The bank is not sending information over to my  XXXX  app for me to use it properly. Please update my current information with  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 2017-06-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact you.

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 2017-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: KEYCORP
State: NY

Complaint narrative:
I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.

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 2017-06-17 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: LA

Complaint narrative:
I served my country in an  XXXX  program from  XXXX   XXXX   XXXX  and received a  XXXX   XXXX  Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in  XXXX  making  XXXX  payments between  XXXX  and  XXXX , with the last successful payment being  XXXX   XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and  XXXX  was accepting them. Things began to change in  XXXX . I have made payments each month of  XXXX  most of which are not being posted to my account.   Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account.     These are the following dates in  XXXX  that I have made an  XXXX  payments :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Unexplained refunds given back to   XXXX   from Navient :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Navient claims to have received payments posting on the following dates :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to  XXXX  they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me  to provide things to prove my case that  XXXX  says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night  by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I  earned by working hard to serve this country to repay my loans.

Company response to consumer: Closed with explanation