vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I have a few accounts that have been placed for collections with Evergreen Financial Services. Of those a few of them have been collected via separate writs of garnishment. I recently went to court to have a newer debt that was placed with them validated by the court and was told that I could set up payments for the amount owed. Before I knew it there was a garnishment of my paycheck happening and without a new writ of garnishment. I asaked my payroll department and they forwarded me a document that shows that the writ is a continuation of a writ, but this debt had never been a garnishment to begin with. This made me and payroll think that they were using an old order for a garnishment to withhold on this new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: MA

Complaint narrative:
XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MN

Complaint narrative:
today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Seterus has placed forced insurance on my home for homeowners and flood. I always had my own coverage and they have charged my Escrow Account an " Earned Premium '' when in fact, the policy should have been canceled " FLAT ''. Due to this I have paid over 1,500.00 in DUPLICATE coverage.
Seterus continues to place my payments in a " Suspense Account '' of which there is an overage of {$5900.00}. I have asked them to credit these monies to my Regular Payments, they refuse and say the " USUALLY '' will oblige when I get caught up on my payments. How can I get caught up when the continue to show me delinquent?
Seterus is strong arming me into a " Mortgage Modification '' however this modification only reduces my monthly payment by {$100.00} and has the same interest rate ( 6.75 % ), Loan amount BUT they want to make this a FORTY YEAR mortgage ( XXXX ). Keep in mind, I already have paid on this mortgage since XXXX. That would be paying for 60 years! I am only 2 months behind ... ... ... .I am a single, female they are trying to steal my home. They threaten me and call continuously along with saying they will foreclose IF I do not sign the modification ... ..I AM ONLY 2 MONTHS BEHIND! And they have my money stuck in " Suspense '' ... ..and " MIGHT '' credit it ... what is this????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent 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 monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
While trying to obtain a reverse mortgage we were required to have and pay for an fha appraisal from a company that aag selects. We did and all was fine until aag informed us the appraisal that they ordered from an fha appraiser was not acceptable as it was too high because we live in a manufactured home. We do not. Our broker and I tried to remedy this to no avail. I even sent them fha regulations. I spoke with the fha. The bottom line-aag wants to lower the appraisal to loan less to the elderly so when we die, they can sell our home and make even more money No wonder reverse mortgages have such a bad reputation I do have all of this documented in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. Experian continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I use an app called XXXX and the app is great ... lets me borrow money and send the money into my account within seconds. The problem is TD BANK, they take forever to send XXXX my updated account balance, causing me to wait long for money. When they do update it a lot of times it 's wrong. Like it will say I have " XXXX dollars in my account. My balance has n't been {$30.00} for about 4 days now ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was approved for a total rewards visa at XXXX balance in XXXX XXXX I used the card I paid off the balance in full. Today XX/XX/2017 I tried to use my card and it was declined so, I called and they said they closed my account because I had to many entries on my credit. I thought once you have a credit card and use it never been late and was previously approved your fine. But they decided to close the account so, with that I have an inquiry on my credit and no credit card. How is that fair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank has closed all branches in XXXX XXXX, Texas without regard to access to their ATMs. So using a " foreign '' ATM will undoubtedly cost extra in ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint because I believe that I am a victim of the practices outlined and admitted to by Chase Bank USA NA in the settlement of XX/XX/XXXX. OnXX/XX/XXXX Chase Bank USA NA assigned a judgment it obtained against me to XXXX XXXX. Chase sold this Judgement in a large bundle for 1.02 ( one and two one hundredths ) ( % ) percent of the Judgment Balance of the Accounts which are the basis for the Judgments then being sold. ( It should be noted the XXXX did not file its corporation papers with the state of Florida until XX/XX/XXXX. ) XXXX in turn assigned this judgment and many others to XXXX XXXX XXXX on XX/XX/XXXX. As a consumer with limited understanding of the law I was unaware that Chase had assigned its Judgement toXX/XX/XXXX or that XXXX had then assigned the Judgement to XXXX XXXX XXXX. On XX/XX/XXXX unbeknownst to me XXXX XXXX XXXX started new collection efforts under Chase Bank USA NAs original court case. I believe the assignments being used to pursue collection efforts are fraudulent and believe that the settlement Chase Bank USA NA agreed to was designed to protect and prohibit consumers from further damage stemming from there admitted illegal collection practices. On XX/XX/XXXX Chase Bank NA USA executed a garnishment on my bank account. Unfortunately XXXX XXXX XXXX has now received a garnishment on my bank account leaving me with very limited means to receive legal assistance. My questions to the CFPB is why is Chase and the companies it sold these accounts to still able to proceed with collection efforts?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
I recently traveled on XXXX XXXX line I had to travel for a funeral well the plans changed and I had to stay a bit longer then expected and well I had contacted XXXX and they said it would not be a problem and I would have to only pay a {$20.00} fee for me that was not an issue well I go to the bus station like they ask me and well they told me it whould costs me around {$86.00} for this so I payed it the bus station said oh just call XXXX they will refund your old ticket for changing ticket so I called XXXX and got absolutely no ware and the customer service line was very rude so I thought I will make a claim though my bank and they bank give me a response that I have to take it up with XXXX and XXXX is now telling me to take it up with my bank I need a resolution to this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Hi I had bought furniture a year ago from XXXX XXXX and had promotional like if you pay off in one year there is no interest charged. After promotion is expired they charged me interest charged {$550.00} on {$1100.00}. I talked with them asked charged interest on my remaining balance but they said we are charging on whole purchased amount and now i have to pay interest for whole that promotional year. I do n't know why this is too much charged i have to pay. Please help me on this issued. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Ballybunion Enterprises, Inc
State: FL

Complaint narrative:
I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.

Company response to consumer: Closed with explanation