vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was scammed on XXXX. A vacation property was listed in XXXX NC ( by owner ) and I sent $ thru XXXX to reserve the property for 2 nights + security deposit. The funds were ultimately received by a legitimate Bank of America account. ( This was verified by the local Bank of America. ( I have the account number because the " owner '' originally wanted me to wire $ directly to the account. ) 2 weeks later I needed to cancel the reservation due to illness only to discover ( thru research when no email response from the person I had sent the $ to ) that the property did not belong to this person and was exclusively listed thru XXXX XXXX XXXX XXXX. The XXXX listing had been copy and pasted from the XXXX listing. I also have a good phone number for the scammer because I called him to cancel the listing when I did not hear back via email and spoke with him. He has since tried to scam me again via text messages. I have filed a police 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 2018-10-16 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: CA

Complaint narrative:
I can not get the Experian agency to update my credit report. Experian is still reporting one year old reports that have been paid off in XX/XX/2017. I have paid off several items they report as unpaid. It is impossible to call Experian as I have tried many times and they ignore my online messages. I don't know what to do. XXXX and XXXX keep updates perfectly and my credit scores are well over 700. Experian has me in the low 500 because they will not bother to update. This is affecting my life terribly. Please ask then to do their job. Thank 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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: WV

Complaint narrative:
XXXXMetaBank has yet to post direct Deposit from my employer. This has been happening to several people and everyone is getting different answers and a run around as to when they are getting their 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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I already pay them in full but they're not removing this collection from my credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NV

Complaint narrative:
My complaint is against XXXX/Netspend for not depositing my payroll check. My check was suppose to be deposited into my bank account last night ( XX/XX/XXXX ) and I have not received anything! XXXX has a recording stating that the issue is ACH but have no estimated time of when the issue will be fixed. I have been on hold with Netspend for over an hr and a half! No one has any answers! It is scary that someone can just take my paycheck like that. I have small children, no money, no one to get money from, my electricty is scheduled to come out today and if I dont pay it, it will go off! I work from home and i need my electricty to operate. This is beyond ridiculous and illegal. After reading multiple reviews online, people have been waiting for their deposits since last Wednesday! We have not received any notice about anything. How am I suppose to do anything without any money? NETSPEND & XXXX ARE THIEVES!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX sold my XXXX XXXX credit card account to Citibank around XX/XX/2018. I tried to log into the old XXXX account to get credit card statements from XX/XX/2018 - XX/XX/2018. They are not available anymore. I logged into the new account with Citibank and they are unable to provide statements from previous months when the account was owned by XXXX. I called Citibank on XX/XX/XXXX and requested statements. They informed me they had to request them from XXXX and this would take 7-10 days, I never received anything. I called on XX/XX/XXXX and requested them again and was advised it would be an additional 7 to 10 days, I never received them. I called Citibank on XX/XX/XXXX and was told to call XXXX. I called XXXX and they said Citibank has a procedure they have to follow to request statements. I advised that they had requested them twice and have not received them. XXXX told me to call Citibank and tell the to request the statements. I called XX/XX/XXXX and spent the better part of 3 hours on the phone with XXXX and Citibank simultaneously each stating the other is responsible to get the statements to me. Citibank advised XXXX that they did not receive old statements that they have to request them and XXXX said they don't have them anymore. Citibank told XXXX they were required to keep the statement for 7 years. XXXX told Citibank that they would have to request the statements. Citibank advised they had twice and still haven't received them. Once Citibank receives them, they can then forward to me. Citibank called me back on XX/XX/XXXX and said someone was looking into this problem but it would probably be another 8 weeks. In this day and age I'm pretty sure someone could push a button and get me copies of old statements. I have two separate accounts with XXXX. XXXX and this is happening on both accounts. I have requested and have not received statements yet they want me to continue to pay my bill. The second account we have is in my husbands name, however, there is only space for one credit card number on this complaint. I have listed him as an additional card holder. If you need his card number please let me know and I can forward it to you. I was trying to only do one compliant instead of two, one for each 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 non-monetary relief
Consumer complaint received 2018-10-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all XXXX credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Have called Navient trying to lower payment from XXXX a month to a lower payment due to illness. Every time we call we get a different story and the final call the rep very rudely said they could not do anything and hung up. This has been going on for over a month. I am the borrowers Mom. I refinanced these loans with Navient XX/XX/17 with my daughters permission. She added me as a co-signer and I have been making the monthly payment for 15 months. They did send me the promissory note I am listed as a co-signer but never sent it to me for an electronic signature thus my daughters signature is the only one listed. I believe they never sent it to me to sign. All we want is the payment reduced temporarily until I am able to return to work after my illness. This is extremely frustrating and stressful. After at least 5 calls with different answers, asked to speak to a manager and they would not and hung up. This is very upsetting and I.m hoping you may be able to help. I as well as my daughter have excellent credit and do not want to jeopardize this by not being able to make the payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CT

Complaint narrative:
XX/XX/XXXX expecting a deposit from netspend/XXXX and did not receive called them only to be told they are having a problem with ACH and are holding payments, XX/XX/XXXX still havent received my hard earned money ( some customers were complaining they havent received theres in over 5 days ) I couldnt imagine, they have no further details they cant even give me a Estimated time I am a single mom with kids I have bills to pay and they are holding my payments! There is a whole forum of a group of people also complaining and they get no response or reason for this hold and how long they will be holding our direct deposits this is completely unacceptable, people are talking about suing, I need reasons for this issue and when netspend/XXXX customers will be getting their 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 2018-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Due to family medical issues I had fallen behind in both of my consolidated student loans. When I contacted Navient in late XX/XX/2018 by phone to tell them I would be able to get back on track next month they directed me to a forbearance until XXXX. When I was able to clear the medical bills in XXXX I contacted Navient by phone on XX/XX/2018 about paying of the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in XXXX. 

After going through 3 levels of account representatives I was assured that the {$2000.00} payment I made on XX/XX/2018 ( taken out of bank on XX/XX/2018 ) would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $ XXXX- {$42.00} per month which I could have applied to the principal on the larger loan. I also paid {$190.00} to the monthly payment on the larger of the two consolidated loans on XX/XX/2018. 

I created an online account with them afterwards to keep better track of my loans. When I review the statements later it appeared they had applied the payments to the opposite accounts that what I directed them to. 

This only served to exacerbate the ongoing problem and keep payments artificially inflated. I feel they deliberately failed to provide me with ethical and competent loan servicing duties by ( 1 ) steering me to a loan forbearance and ( 2 ) deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. 

When I contacted them by phone on XX/XX/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 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: PA

Complaint narrative:
I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all 3 credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: PA

Complaint narrative:
I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all 3 credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.

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 non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My bi weekly direct deposit is not available and has been verified as sent and amex reviews to answer their phone. Also, first day of work as a single parent and left me stranded because i couldn't access MY money for fuel!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX in the form of a Notice for Execution Against Wages. 

The original creditor is XXXX XXXX XXXX. The NJ Docket number is XXXX This was originally opened in XXXX and is well beyond the NJ statute of limitations for credit card debt. 

Furthermore, I don't work for the company noted in the letter. The company to whom they are attempting to go after wages. 

I searched the docket number on ACMS Public Access website and there is NO current activity on this docket number. Also, there is no official court representatives signature on this document either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: ME

Complaint narrative:
My husband passed away XX/XX/XXXX and had a mortgage with XXXX XXXX XXXX. I became the executor to his estate and my son XXXX resides in the home. We had trouble paying the debt and got behind. We met with a housing counselor, XXXX XXXX in XX/XX/XXXX. In the process or sending documents to XXXX  XXXX XXXX for a loan modification/assumption, the servicing changed to Fay Servicing. We again with our housing counselor sent another package to the new servicer Fay Servicing in XX/XX/XXXX. We have been sending them everything from the copy of the death certificate, copy of marriage licence, copy of the will, copies of probate, copy of deeds and a third party authorization for our housing counselor. As of today, we still can not get anyone to communicate with us as we only receive copies of bills in the mail. We have been calling them every other week at least and get the same answer, they can not speak to us and they say our account manager is never available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been denied by over 160 rental applications. Experian, XXXX and XXXX  are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.

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 non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have sent Portfolio Recovery Associates, LLC a letter on XX/XX/2018 asking them to VALIDATE this debt they claim I owe them or XXXX XXXX. PRA, LLC only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX  then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX  and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX  saying that PRA, LLC owns the account and that it is not an attempt of XXXX XXXX  trying to collect a debt. I am going to need VALIDATION THAT I OWE PRA, LLC {$260.00} if they can not produce these documents I demand them to remove it immediately.

Company response to consumer: Closed with explanation