vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Have a Care Credit Account thru XXXX XXXX. My contract on XX/XX/2018 states 24 months deferred / no interest if paid in full before the 24 months are up. 

XXXX XXXX is charging me interest every month and changed the contract after 1 month without notice to me and that is illegal. That is not the contract I signed in the beginning or agreed to as I have attached the contract I signed on XX/XX/2018. 

They owe me as of today XX/XX/18 {$630.00} in interest fees charged. Plus interest charged after this date. 

I want my interest refunded to my account. 

XXXXXXXX XXXX  refuses to give me a copy of the contract says it will take them over 40 days to find it ... really.

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried obtaining an Equifax credit report through annualcreditreport.com After making several attempts i was instructed by the annualcreditreport.com website that my credit report could not be accessed at the time and was instructed to contact the credit bureau directly. I spoke with XXXX throught the Online Chat option and he instructed me to call the customer service phone number and get ahold of a representative. So I called XXXX which is the customer service phone number for Equifax. I explained the situation with the representative over the phone so she asked for my information for verification purposes and she told me that my address on file had not been updated and that my birthday was incorrect as well. She said she could process the request for a copy to be sent but that it would be sent to the address on file which is not the address that I am currently living at. I asked if there was anyway i could update or correct that information either over the phone or online and was told that the only way was to send a letter with a cover letter and a copy of my social security number, drivers license, and birth certificate. I was not satisfied with this answer as i was able to update and or correct information on my credit report through XXXX and XXXX with no issues. I contacted another Online Chat Agent and was told that in order to update/correct that information and get a copy of my credit report i would have to mail in copies of the required documents along with a cover letter explaining the reason for the letter or fax in the information. I do not feel comfortable either mailing copies of any of this information or faxing copies of this information specially after i was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Adjustments Inc
State: TX

Complaint narrative:
This company Credit Adjustments was hired by The Department of Education to collect a debt that was discharged in a Bankruptcy due to medical reasons. It was filed in XX/XX/2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. The Depart of Ed is intercepting my tax returns, even though they have collected over {$XXXX}, XXXX through wage garnishment. 
When I call Credit Adjustment, they refer me to the Depart of Ed,  and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.

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 2018-09-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that XXXX is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to XXXX 's provided internal report and records.

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 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XXXX withdrew over {$1100.00} from my XXXX XXXX XXXX account to satisfy 2 credit card debts, under false pretenses. They claim I authorized, verbally, and instructed them to do so. I did not have these funds available, and this caused my account, overdrafts included, to plummet to $ XXXX. 

These verbal conversations never happened at all. I did not speak to anyone from XXXX, much less instruct them to do so. Who would instruct someone to withdraw money that they knew wasn't there? It was an absolute lie and I am attaching these letters. My phone records show that no call took place on XX/XX/XXXX, as they claim happened. I received letters thanking me for my verbal consent and instruction to pay in full. 

XXXX did reverse the charges for my account, but it's frightening that collections departments at a bank think they can create a consent that didn't happen. I did consult an attorney when this happened, and he advised me to work with my bank, XXXX, and file a complaint with the Attorney General 's office about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Performant Financial Corp ( whichever collects student loans debts ) called me at my place of employment ( XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, TX ) in order to collect a debt. They embarrassed me by asking my co-workers where I could be located and how I could be contacted. I ended up giving them an {$800.00} lump payment and entered a " loan rehab program '' which was monthly payments of {$50.00}. 

I contacted Performant this morning ( XX/XX/2018 ) and spoke with " XXXX XXXX. '' XXXX could not provide his employee number for Performant. 

XXXX acknowledged that Performant did in fact handle my account but when I asked him where my money was applied to, his answer was " I don't know. '' I then asked him if he knows where my money is at all and he responded " I don't know. '' Performant also informed me that they had garnished my tax refund. That was a lie. I have filed other CFPB complaints concerning the return of my 2018 tax refund by the XXXX XXXX XXXX XXXX to the tune of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a partial bill pay to XXXX XXXX XXXX for the balance that was in my account at that time ( {$20.00} ). That night PNC drafted that money THEN charged me a monthly service fee for having a FREE CHECKING ACCOUNT of ( {$7.00} ) THEN overdrafted my account assessing both a {$36.00} overdraft charge and THEN a {$21.00} overdraft fee and now they are charging me a {$7.00} per day fee to which I have been told will continue causing overdraft fees and charges for the next fourteen days until the billing cycle closes which is a random date picked by PNC of somewhere between the XXXX and then end of the month at which point I will be assessed another round of the SAME FEES FOR FOURTEEN MORE DAYS. 

Endless fees. In my state yo can not open a new bank account or close an old one without paying the reported negative balance off which means I will never be able to banking services again since the fees will never stop and PNC refuses to close the account. I can not believe that this is allowed to happen since it is an intentional victimizing of people for being poor. I could get better financial help from organized crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi. I was victimized by Wells Fargo bank and dealer services. I was approved for a auto loan of {$12000.00} to purchase a XXXX XXXX XXXX  XXXX with XXXX miles on vehicle when I purchased I paid in total of {$19000.00} in payments to Wells Fargo/dealer services. Now they are saying I was late too many times and I never got mail from them saying that my car has been charged off and I owe {$7400.00} or my car is going to be repossessed! I have already over paid for this car! Not to mention the 12 recalls that my XXXX XXXX XXXX had on it! I was without an engine and often with out a drivable car for a total of 3 months dealing with all the recalls. I shouldnt had have to make any payments on a vehicle I wasnt able to drive due. They have over charged me in interest for this car. They put their own insurance on this car without my knowledge, and charged me for it when I already had insurence! It was over {$1000.00} a month when they just added their own insurance. I do not owe anything else on this car. Wells Fargo dealer services has been harassing me and said they will be coming to get the car. They are violating my rights as a consumer. To come steal the car Ive paid for! Wells Fargo also opened up different accounts in my name and I was apart of that law suit in California when I had a checking account with them. I need your help because I dont trust this bank and what they are doing to me!

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 2018-09-07 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: TX

Complaint narrative:
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my transunion along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.

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 2018-09-07 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: TX

Complaint narrative:
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.

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 2018-09-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, the XXXX 's account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX  XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXXXXXX XXXX, they do have the funds. Attached is the letters of XXXX  XXXX XXXX and XXXX XXXX and the proof of transmittal. 
Per XXXX XXXX XXXXXXXX 's letter, please reach out to the ACH processor ( XXXX ) and request the funds to be re-called

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 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Bankruptcy is showing up on my credit report from Experian. I have never filed bankruptcy. Also my name is spelled wrong on my report ever since the bankruptcy showed up.

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 2018-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a line of credit with PayPal Credit for {$2600.00}. I successfully purchased a laptop using this PayPal Credit line on XX/XX/2018. I have the email confirmation from the merchant to prove it was approved. I had to cancel the transaction because of delivery issues. I have since tried to use the PayPal Credit line multiple times and have been denied every time even though my entire credit limit is available. I called PayPal and the supervisor I spoke to ( XXXX ) on XX/XX/2018 advised me that I was being denied use of my PayPal Credit line because I was a new customer and I needed to establish history ( this was a theoretical reason as the supervisor could not confirm that precise reason ). I have since tried to use the PayPal Credit line to purchase items under {$20.00} in total to attempt to begin this purchase history. They have all been denied. I am in no uncertain terms furious that PayPal has opened a line of credit for me but has effectively made it impossible for me to use. This is the very height of deceptive and unethical business practices. I have never had such a negative experience with a credit provider in my 25 years of using lenders and credit providers. Further, because of this interminable delay I have lost days of freelance work wages and there is no way to be advised if or even when this credit line will be made available for actual use. This entire experience has been incredibly frustrating and infuriating.

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 2018-09-07 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: OK

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

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 2018-09-07 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: Nelnet, Inc.
State: VA

Complaint narrative:
my account is showing that it was several months late, but I was unable to fix the problem because they were sending the paperwork to the wrong address. I have since XXXX given them my address and have bought the the account current. I believe the mixup came from me getting a divorce and them sending the paperwork to my ex-wifes address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Quicksilver Credit card.. back in XXXX i reported that 2 identical charges for {$37.00} were charged on my account after i had already checked out of a XXXX XXXX XXXX in XXXX XXXX XXXX.. they started and investigation and finally yesterday Capital one called me and put me on a 3 way phone call with the XXXX XXXX XXXX, first they said that i was charged a resort fee and then after a supervisor of hotel resort said that i was given a discount at check-out that i was not supposed be given.. he admitted that they charged me twice for each room for the difference, since their employee was not suppose have given me the discount.. i explained that it was their mistake and they had no right to charge my credit card.. he admitted that they charged my credit card without my permission or signature and they had every right to do it, i explained it was fraud and the Capital one credit card agent also explained that to them, but they refused to accept any wrong doing.. Capital one agent then told me that i would have to pay for both charges of XXXX.. Capital one recorded the entire 3 way phone conversation ..

Company response to consumer: Closed with monetary relief