vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac my home loan said that i put my mortgage on hold. on my credit report but that not true

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: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: CA

Complaint narrative:
I use XXXX prepaid card, my direct deposit was processed on XX/XX/18 by my employer however XXXX has not made the funds available to me. I called them and they had an eta of XXXX  on XX/XX/XXXX. Now I try to call and get placed on endless holds and then disconnected

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 — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Month after month I loose connection between XXXX and my Checking account. Past 3 months I have to call in 3-4 times make complaints about it not working and a week later its suddenly working. Its horrible to not be able to use the function. I have made several calls during XX/XX/XXXX when it was not working then it was working. It failed in XX/XX/XXXX I called then TD fixed it after several calls. In XX/XX/XXXX it failed I called several times then TD fixed it. And here we are in XX/XX/2018 several calls and its still not working, ,.. This is ashamed the tech support department runs me around like crazy talking to people who have no idea. No personal attention or real technical knowledge is ever involved..

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 — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I purchased a phone from XXXX XXXX XXXX  on XX/XX/2018 for {$730.00}. On XX/XX/XXXX the phone quit working and was blacklisted as it was reported lost or stolen. The phone i bought was brand new and I'm supposed to be the only owner and I didn't report it lost or stolen. XXXX XXXX XXXX wouldn't do anything to help me. I filed a police report at my local police department. The police report id is XXXX. I paid a lot of money for this phone and i can't use it. XXXX XXXX XXXX  either lied about item being new or has reported it for insurance claim or something. Went to huntington bank as soon as i could to dispute the charge and they denied my dispute due to age of item disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
After graduating from XXXX in 2013, I refinanced my loan with Nelnet. In XXXX of 2013, I called Nelnet and they gave me an incorrect payoff amount for one of my loans. I subsequently payed off the loans on XX/XX/2013. 5 years later, i discovered that I had a {$110.00} balance on my loan ( ~ {$50.00} of principal and the remainder interest that accumulated over he 5 years ), which Nelnet said was 180 days past due. I only discovered this balance when I found it on my credit report.

When I called to resolve, they said that paying off the loan deferred the payment for 5 years, and that they attempted to contact me about it even though they had the incorrect email address on file.

I have paid off the loan in full now, but I want the late payment taken off my credit report since they gave me the incorrect payoff amount on the loan and subsequent emails said my payment was {$0.00} for 5 years. Could you please help me to resolve?

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Several months ago I received a solicitation call from Amex with an offer of XXXX membership rewards points if I upgraded one of my Amex business cards to Amex Plat. That salesperson explicitly and directly told me that I could " downgrade back down to a lesser Amex card once the annual fee hit.

I questioned that and they confirmed -- there's not the slightest doubt in my mind I was told that. Another  Amex rep just under a month ago, said I " should wait till the account renews in XX/XX/XXXX '' before downgrading. They now have pulled the XXXX and said I needed to stay w/ the Plat for 1 year ( and, hey, not really all that unreasonable, ) but the sales team ( or whatever they are called ) definitely, definitely, definitely lied to me when " selling '' the upgraded card back in XX/XX/XXXX or whenever that was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened a savings account with Union Bank of California on XX/XX/2018. The branch address where I opened the account is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

After opening the account I waited for my ATM card to arrive in the mail. While I was waiting for my card someone somehow stole my card information and began withdrawing the money from my account. I have the envelope that the card arrived in. It was postmarked in XXXX XXXX on XX/XX/XXXX and would not arrive to XXXX XXXX until some time after that date. The first stolen withdrawal was for {$100.00} on XX/XX/2018 at my branch. The second stolen withdrawal was for {$40.00} on XX/XX/2018 at a branch across town. The last stolen withdrawal was for {$200.00} on XX/XX/2018 at my branch again. Upon seeing the fraudulent withdrawals I immediately went to my bank with my ATM card that was still attached to the paper that it arrived on and opened a claim and had the branch assistant manager destroy my ATM card. The card never left my apartment. No one knows my pin. It was still attached to the paper that it came on! 

My claim to get my money back was denied. The bank told me that they would be in contact with me up to 30 days after the claim was filed. No one bothered to contact me to tell me that my claim was denied. I'm filing a dispute with their ruling because the card was not even in my possession when the first transaction happened.

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 — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
This is continuation of former complaint ( # XXXX ) which XXXX XXXX  has not fully resolved as they indicated they would! The real issue started with XXXX when I ordered 3 pair of shorts and returned them the next day as I was not satisfied with the quality. I was billed {$27.00} on XX/XX/18, returned them on XX/XX/18 using their shipping label. They credited me for 2 pair {$18.00} and charged me XXXX instead of crediting me {$9.00} for 3rd pair. Since I did not make a payment as I had returned the shorts they charged me a late fee of {$21.00}. I went on their website and disputed the fact that there was an error on their part that they didnt credit me for 3rd pair of shorts and also called them on XX/XX/18. They told me I needed to pay for label so I paid {$9.00} which is what they said I owed and that they would credit the late fee and interest fee of {$21.00} on XX/XX/XXXX and XX/XX/XXXX but then charged me another late fee and interest of {$24.00} on XX/XX/XXXX! I called and emailed on their website and they said they were only allowed to cancel one time late fee and interest charges. And added another {$1.00} interest charge on XX/XX/18. I filed complaint with you, CFPB and they finally credited for 3rd pair of shorts and some of the late fees and interest for {$19.00}, still leaving a balance of {$16.00} of fees and interest, I called to file dispute with them and they sent a form letter indicating the charges will remain on my card!!! I have been disputing these charges by phone, on their website email since XX/XX/XXXX and although they indicate on back of their statement that if they find they made an error I would not have to pay fees or interest accrued on the account they continue to charge me fees for merchandise I returned the first month I received them. So since it was their error from the start, I should not owe them anything at all! Please help. Im disgusted with the way they have handled this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/18 I applied for CITI checking and Savings account under a promotion offering a {$400.00} bonus ( interest ) if requirements were met : deposit {$15000.00} combined new money to the accounts and maintain that balance for 60 days. I captured the offer in a screenshot ( attached ). I was the sole applicant, so I was the first signer on both the checking and savings accounts. 

On XX/XX/18, my initial deposit was credited to the checking account of {$500.00} via mobile deposit and then an ACH of XXXX on XX/XX/XXXX. An initial deposit of {$1000.00} was made via ACH to the savings account, and a subsequent ACH of {$2500.00} posted on XX/XX/XXXX. While I moved some funds between the accounts, the sum total of {$15000.00} was deposited by XX/XX/XXXX and maintained until CITI charged me an fee of {$25.00}, mistakenly, on XX/XX/XXXX. This fee was subsequently credited back to the savings account on XX/XX/XXXX. I maintained the {$15000.00} required until XX/XX/18. 

I contacted CITI on XX/XX/XXXX when I saw the fee charged, as I knew with a combined balance over {$10000.00} service fees were waived. I was told they had not " linked '' the accounts that I applied for in the single application, thus the combined balance didn't apply. I was told they would correct the error and credit the fee. When I asked if it would impact the offer I had applied under, the agent confirmed I was enrolled and indicated as long as the conditions were met I would get the bonus. 

I received notification on XX/XX/XXXX that I had not met the requirements of the offer because the required balances were not maintained. I contacted CITI customer service on XX/XX/XXXX to try to resolve the problem. The customer service agent, " XXXX '', eventaully agreed that the total was maintained and submitted a promotional dispute on my behalf. The case number was XXXX. 

On XX/XX/XXXX I received another email again telling me I had not maintained the balances during the offer period, which apparently was CITI 's resolution of the dispute. 

Since CITI had {$15000.00} of my money on deposit from XX/XX/XXXX until in XX/XX/XXXX, clearly I had in fact maintained the minimum requirement. The only time the amount was reduced was when CITI mistakenly charged me a service fee, which they immediately agreed was in error. However, since they didn't refund the fee until XX/XX/XXXX, they are claiming I didn't maintain the appropriate balance and are not paying me the bonus {$400.00} to which I am entitled.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have had a store card issued through XXXX XXXX for XXXX XXXX XXXX stores for nearly 3 years. 

Recently, without my permission or authorization they did a hard pull on my credit and decided to lower my credit limit ; despite the fact I have an excellent payment history with them and have been working diligently to pay my balance off ( before any other accounts actually ). 

This has caused my credit rating to go down ; harming me significantly. While I do understand it is their right to issue credit as they see fit ; the reason that there were some negative marks on my credit report the day they performed their unauthorized credit pull was because my identity had been stolen. 

XXXX was already aware of this as I had sent them correspondence regarding the ID theft a few months ago and if the credit bureaus were actually doing what they are supposed to do they would have not released my credit information to them anyway without verifying my identify. 

Neither XXXX nor the credit bureaus contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: GA

Complaint narrative:
I have a NetSpend prepaid card. I normally receive my payroll on Monday afternoons. On XX/XX/18, I didn't recieved my deposit. I called NetSpend they advised me that it was an issue with ACH deposits from XXXX. They advised it was not a complete issue with all customers but some. They couldn't give an ETA on when the deposits would deposit or what the actual issue is. They only have generic responses. Called them again XX/XX/18 got the same response this time referring me to XXXX. I called XXXX and immediately got the automated recording that it was a system issue with the ACH deposits system and were trying to resolve it. Still no ETA or what the problem is. My only issue is why consumers weren't made aware of the issue immediately when NetSpend found out from XXXX there was a problem. Making consumers aware is important.

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 2018-10-17 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: TX

Complaint narrative:
On XX/XX/2018 my wife received a phone call from a company claiming to be XXXX XXXX XXXX ( XXXX XXXX on the caller ID ), they said our I-tunes account had been hacked and that we were facing the potential loss of {$10000.00}, but that they could help stop this hack if we gave them access/control of our computer and purchased XXXX XXXX  cards. The caller claimed that if my wife gave them the numbers on the XXXX XXXX cards they could track the supposed hackers. They said they would not use the XXXX XXXX card numbers but would only use the card numbers to stop the hack and then my wife could return the cards to the store for a full refund. They sent my wife an e-mail and she followed a link to give them control of our computer. They stayed on the phone with my wife while she drove to town and purchased 2 XXXX XXXX cards at {$500.00} increments ( {$1000.00} total ) using our Wells Fargo Debit card at the local XXXX. She gave the person on the call the card numbers. They said this reduced our financial exposure down to {$7500.00} but that we needed to get more XXXX XXXX cards to stop the hacker. The person on the phone told my wife to go to a different grocery store where she purchased 3 more XXXX XXXX cards at {$500.00} increments ( {$1500.00} for all 3 ) using our credit card. At this point the credit card company called my wife to determine if this charge was legitimate, she realized that she was being scammed and the credit card company was able to immediately reverse the charges. She then hung up on the caller who was scamming her and she verified that they had drained the funds from the XXXX XXXX cards. When she got home she called Wells Fargo immediately and reported that she had been scammed and that they began their investigation but told her on the phone that it was doubtful that the money could be returned because of the circumstances. On XX/XX/XXXX we received a letter from Wells Fargo informing us that they would not reimburse the money since the transactions were correctly charged to our account. We reached out to our representative at XXXX XXXX  to ask what can be done to resolve the impasse with Wells Fargo, they recommended that we submit a claim to the CFPB to see if you can help us negotiate with Wells Fargo.

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 2018-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MS

Complaint narrative:
On XX/XX/2018, I attempted to call XXXX XXXX Mississippi  who handles child support payments for Mississippi. I called because of an unauthorized transaction on my account. After trying to get a representative on the phone, I finally figured out the prompts to get a human. Once I finally got to my turn, the person picked up and hung up. Its mandatory to hear your balance as soon as you input your information. I was then charged a XXXX cent fee. this is the 4th or 5th time I have had to fight for these fees to be removed while trying to reach customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This information the XXXX XXXX XXXX XXXX is reporting on my credit file is not my bill or account this has been on my credit for 5 years and is affecting my credit by law its is not right to report false information on my credit report by law I will sus this company if this is not removed this is Fraudulent That this company can do somethings like this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Lending Club Corp
State: DE

Complaint narrative:
Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I wrote and sent a dispute letter to Experian regarding a public record on my credit file. They sent me a letter today on XX/XX/2018. In the letter it states they verfied the public record as accurate and they will not investigate the item again. Experian did not mention how they verfied this public record. I contacted the bankruptcy court located at XXXX XXXX XXXX, XXXX NJ. They told me they don't provide any information to credit bureaus or 3rd party organizations. They even sent me a letter stating this and made a copy of the letter and I sent it to Experian. Experian is stubborn and refuses to correct this inaccurate information.

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Continuing issue with monthly {$12.00} acct maintenance fees and {$35.00} NSF fees.. XXXX & XXXX accts for {$12.00} & multiple {$35.00} charges on XXXX acct.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
NCC BUSINESS SERVICES open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file

Company response to consumer: Closed with explanation