vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WA

Complaint narrative:
I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant 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 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
On XX/XX/XXXX I needed some cash to pay some bills was down to no money to make it so searched to see what help I could get, saw this loan company on-line and telephoned them, the guy I spoke with walked me through the process and said he could run it to see how much I could get approved for, he came back on the line quick and said I was approved for the {$750.00} the highest limit they have and that my payment would be around {$110.00} per month, I had to electronically sign documents in which I was not aware that I was signing something with a APR of over 600 % until I received an e-mail for my payment for XX/XX/XXXX to come out and it was $ 257+, I almost fell out, how I get from {$110.00} a month to almost {$300.00}. I made one payment of {$110.00} for XX/XX/XXXX but my XX/XX/XXXX bill will be close to {$300.00} outrageous. 

This guy from speedy cash never disclose the APR amount to me over the phone and nor did he tell me I needed to read all of the documents before electronically signing I was under the impression that my payments would be {$110.00} every month because I kept asking him is that what my payment would be per month and he was telling me yes so I went on and sign the documents thinking I am agreeing to the {$110.00} payment per month and that 's all. 

I contacted Speedy Cash on XX/XX/XXXX and spoke with a lady to stop my authorization of payments she was saying that I needed to send an e-mail to them in which I did but I will still need to make payments in another manner and that the payments wo n't always be the same every month sometimes higher sometimes lower, I told her I thought the payment would be {$110.00} every month because the guy who processed my application did n't tell me any different she said I was supposed to read documents and I told her I was on the phone with the guy and he did n't disclose to me that I needed to. 

I think I was falsely informed on the phone in thinking my payment would be {$110.00} a month and now it will be triple and I ca n't afford to pay it and I told the lady that this morning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There are two accounts one is Sears and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving SEARS/CBNA 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 non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/17, I used PayPal to pay for tickets to playoff game totalling {$400.00}. I paid for the tickets but never received them. I tried to call PayPal with 15 minutes of making the payment but there was a 1.5 hour customer service wait so I opted for the call back. 1.5 hours later I received a call and spent 2 hours and talked with 3 different people ( 1 customer service, 1 something else, and 1 fraud department ). I was told by a representative of PayPal to call my bank and stop payment which was successful. I was also told by PayPal that  if they did n't receive funds from my bank that they would look to seller/receiver of the funds to return the $ and not me. I was told it would n't impact my account and there would be no penalty or fine on my account. Subsequently, my account was put to credit and collections so all the information provided to me by a representative of PayPal proved to be incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from my credit

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.

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 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
My loan is less than 30 days past due. I receive multiple calls per day from Navient regarding it. Today ( XXXX XXXX 2017 ) I  answered and explained we are in the middle of an unplanned issue with our bank and will bring my account current as soon as its rectified. The representative immediately said Okay I will go ahead and put your account into forebarance and you wont have to worry about it until after he holidays. I immediately said no that is beyond unnecessary as my monthly payment is only {$41.00}! I can bring it current within a week. 

I am reporting this because it is irresponsible of Navient to immediately steer me towards forebarance ( again ) when my overdue balance is less than {$50.00}. I know there is pending legal again being considered against Navient, for this exact unethical behavior and I will not stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 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: NJ

Complaint narrative:
Navient is the absolute WORST company on planet earth. Not only are they incompetent and rude, but every time I call they just transfer me from one customer service rep or bounce me from department to department until I just give up. They acquired my loan from XXXX XXXX back in the beginning of this year. I had my account set up for automatic ACH payments with XXXX XXXX. Once Navient took over, they told me that my last payment I made to XXXX did not apply to them since they were a different company and that I was late on my loan and in collections. I explained that I paid XXXX and they told me too bad, I can go chase it down with XXXX but they would do nothing. I had to pay twice. Thereafter, they increased my payments from what I was paying with XXXX and refused to provide me with any information regarding income driven repayment. I have called countless times and they put me on hold and no one ever comes back. I have set up an online payment account with them and can not log in. When I try to log in it tells me my email address is not registered, I enter loan number and they tell me I have to call customer service. Then once again I hit a wall because no one helps me. Meanwhile, they are just destroying my credit while making it impossible for me to even make a payment when I try. This company is just awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and 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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Advanced Resolution Services ( ARS ) informing them that I have had ID Theft issues and that I needed my credit report frozen this letter was signed and delivered by the USPS with Certified Return Reciept. I enclosed a copy of the police report indicating that someone had opened a XXXX XXXX XXXX account in my name and used it to fraudulently obtain merchandise. On XX/XX/XXXX ARS improperly responded back indicating a signed request was necessary? On XX/XX/XXXX I sent, via USPS, a letter once again asking them to immediately honor my second signed request to completely and permanently freeze my credit report. I have received no response even from my second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: U.S. BANCORP
State: FL

Complaint narrative:
There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving 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 non-monetary relief
Consumer complaint received 2017-11-27 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:
There are two accounts one is XXXX and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving XXXX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
After making a balloon payment on my mortgage, I have reached the 78 % mark of the principal-to-original-home-value figure on my mortgage ( the LTV ratio ). I called Nation Star to get them to drop the PMI pursuant to their duties under the Homeowners ' Protection Act ( " HPA '' ). Despite this, Nation Star refuses to cancel my PMI, pointing to an ambiguous Notice which actually does NOT state that Nation Star will refuse to comply with the HPA by NOT auto-cancelling the PMI at the 78 % LTV mark. Having not contracted out of the HPA Protections, I hereby invoke them against Nation Star and demand that they cancel PMI on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CT

Complaint narrative:
West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion about my credit report. Informing them that you is XXXX XXXX committed fraud. By falling fraudulent foreclosure against my property in 2009. I 'm asking them to give me a copy love the credit report when they first remove XXXX XXXX from the credit report they to refuse. As well as a letter stating the date when we first put on there and more in poorly I 'm needing the letter updating my credit report when it walls taking off and they are refusing to do any of these things to certify the customer. They to have the police report and supporting documents. 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 2017-11-27 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
After a 3 year lease with XXXX XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ) they allege false damages on the move out inspection in the amount of {$7000.00} reported it to a collection agency and then had it placed on my credit report. Some actions I have taken to resolve this issue are. Contacted XXXX XXXX XXXX XXXX via email XX/XX/XXXX, sent copies of XXXX County Magistrate Court civil action number XXXX to Professional Debt Mediation, I have sat down and discussed this issue in XXXX County Magistrate Court mediation, have filed dispute with each of the three major credit bureaus also file suit in XXXX XXXX Magistrate Court on XX/XX/XXXX and won judgement in my favor on XX/XX/XXXX civil action numberXXXX

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 2017-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX did forceful file of taxes for 2008 which in turn they file judgement for {$6200.00} which I did n't own. They later release the lien. I reported to all their credit bureaus but Trans Union refuses to remove it off 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