vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
My bank account will not get approved so I can cash out. It 's really upsetting. It says it takes 1-2 business days and it 's been a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Issue with chase banking/credit card service Hi, I have been using different type of credit cards along with chase credit card.. I have made a balance transfer on the credit card worth of XXXX $ at 0 % promotional APR one year back and I have been signed up for paperless statement and alerts to my email.. After an year, when I have opened my statement online, I have seen interest charge of {$140.00} ( on XXXX XXXX 2017 ) of balance transfer interest, without notifying me of my promotional APR of 0 % ends.. where as other banks use to alert me when their promotional APR ends.. seems chase has no such facility.. They do n't even mention anywhere saying that they do n't have such system FYI ... I have been using chase credit card since last 5 years never missed any payments and done on time When I spoke to customer care regarding this they do n't have proper answer to me and in the next month middle I have paid my balance in full as soon as I realized the ending of promotional APR They still charged me {$95.00} for the previous days in the month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX I deposited a check from one of our clients into our BoA business checking account. The following day I noticed that the check was placed on an extended hold and so then processed to reach out to the bank to see what was the cause oh the hold. The bank claimed that they could not verify the check, rather, that could not confirm that the check was written out to us even though the client clearly made the payment out to us. After speaking to multiple bank representatives and being placed on ridiculously long hold I then came to learn that BoA was closing our business account with them and would not render any explanation as to why they were doing so. BoA then decided to hold the check that I deposited along with the funds in our account, they disabled our ability to view the online banking portal thus making it impossible to transfer funds onto new account in order to continue conducting business. I made several attempts to regain access to our account, BoA representatives were not interested in helping us resolve this issue, they would constantly transfer me to a new person would then give me the same information that the previous person gave, and would they continue to not provide us with any explanation as to WHY this was happening. I also asked to speak to a department manager and was always denied. It has now been over three weeks and the issue is yet to be  resolved, BoA claims that the account is still in the process of closure, and I have not received the check that I attempted to deposit. As a result this has caused a serious strain on our business andcaused us to miss payments due to vendors and such, and has disabled our ability to conduct  business.

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 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I did n't receive my cash advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Navient Solutions, LLC.
State: KS

Complaint narrative:
I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from XXXX XXXX XXXX XXXX and I ca n't understand why when I was in forbearance.

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 2017-08-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Filed disputes with XXXX and equifax in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go

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 2017-08-01 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: FL

Complaint narrative:
This is my second time filing a complaint after the first complaint was ignored. Dear Experian Dispute Department, I have disputed inaccurate items from my credit report multiple times. I have sent certified letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with uploaded copies in XX/XX/XXXX and XX/XX/XXXX requesting VERIFIED account information for what you are reporting on my report. Clearly, you have ignored my request for this information because according to the FCRA you have 15 days to provide me with the name of the creditor, the name of the business, the name of whom you spoke with and their contact information once you receive me request. I have not received anything other than your standard " verified '' response. You have an obligation to uphold the law and correct credit reports that are reporting inaccurate and unverified items. I have sent you plenty of documentation to support my disputes and I believe my dispute is going through your XXXX computer system and not being investigated properly. All of the items listed below need to be removed immediately. I have spent countless hours documenting and recording the information for you to conduct a reasonable investigation. If I can not get the resolution that I am requesting due to your willful noncompliance I will file suit in Federal Court. XXXX XXXX XXXX XXXX  XXXX XXXX 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 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their bank.

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 2017-08-01 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: FL

Complaint narrative:
I am filing a complaint with your company due to the false reporting of invalid information and credit reporting errors. The accounts listed below are charge off accounts. I have sent in proof multiple times with your company stating that they have been updated and corrected. In a charge-off as you are aware, the company writes off the debt and then the balance is XXXX. You clearly show here that the accounts have not been updated and are still reporting false information. I also have highlighted them in the attached credit report. You are in violation of the FCRA and need to address this XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5400.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} CHARGE-OFF {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XX/XX/XXXX {$7000.00} CHARGE-OFF {$6000.00} XXXX XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX {$6100.00} CHARGE-OFF {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied and was approved for a Home Depot credit card through Citi on X/XX/2017. The credit limit was {$8000.00}. Within 3 hours of being approved, I called Home Depot and cancelled the credit card. When I applied for the credit card, a credit check through the CRAs was conducted - which was fine - but a month later I got a notification that it hit my credit report as an open account. The initial credit check for purposes of checking my credit worthiness was fine, but it should not have hit my credit report a month later as an open 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 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of CBE Group are now reporting the same debt as well. This debt is for XXXX XXXX XXXX. I 've spoken with a rep with CBE Group the first week of XX/XX/XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with CBE Group or XXXX XXXX, and under no circumstances should two collection agencies be reporting on the same debt.

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 2017-08-01 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: AES/PHEAA
State: SC

Complaint narrative:
They give the run around refusing to give me data when they made so many mistakes.Making changes to work against me and my family causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Today I checked my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company that I owed them a debt. My rights under the FDCPA section 809 were viloated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.

Company response to consumer: Closed with explanation