vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have made a few payments to my new Apple, Goldman Sachs credit card. The funds I pay on the card, leave my bank account immediately but the credit card company whilst acknowledging receipt of the funds are not updating the payment against my card balance. 
Heres their messages below to me. 

I understand your frustration, thank you for your patience. Your available credit could take several days to reflect payments you've made with your bank account. I can confirm we received your payments. The payment of {$500.00} made on XX/XX/2019 will reflect on XX/XX/2019, the payment of {$250.00} made on XX/XX/2019 will reflect on XX/XX/2019 and your payment on {$1500.00} made on XX/XX/2019 will reflect on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: LA

Complaint narrative:
On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My mother, who is legally XXXX, has granted me power of attorney which is why I am submitting this on her behalf. 
My mother lost a portion of her income on XX/XX/XXXX when her previous employer ceased her XXXX pay. We applied for a loan modification through her current servicer at the time, Ocwen. All of the necessary documentation had been sent and during this time, her loan was sold to XXXX/PHH. Since that time, her loan has been an absolute disaster. How PHH is in business is beyond me. The modification was approved but her payment INCREASED. My mom made the decision to " just give up '' and accept their new modified terms. She was told by PHH that she will be on a trial-mod payment period and needs to make the prescribed 4 payments and she will then be reviewed for a permanent modification. 

During that time, PHH has regularly misapplied funds and has constantly contacted my mom to make multiple payments during the month. The most recent and egregious occurring on XXXX. My mom made a regularly scheduled payment on XX/XX/XXXX ( when she receives her SS income ) and the payment was put into a " suspense account '' and not applied to the loan. On XXXX, her homeowner 's insurance payment was due and PHH unilaterally determined that they would release the funds from this suspense account and use it to pay the homeowner 's insurance, despite the fact that my mom has an escrow account, and has been calling her nonstop stating that she is due for her XXXX payment. There has been no escrow analysis done and my mom has not had the opportunity to determine how she wants a projected escrow shortage handled, whether it be through a one time payment to bring it current or spread out and added to her payment. Additionally, PHH is misapplying the funds which has the potential to jeopardize her eligibility for the final modification. In speaking with them, they are advising that they have the right to apply funds as they see fit. I can not imagine that is accurate and everytime we call, we get a new story. Desperate to get some assistance with this horrific company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend. 

Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: Nations Info Corp
State: NC

Complaint narrative:
On XX/XX/19 2 separate transactions were withdrawn from my account, {$1.00} and {$19.00}, I contacted my bank to inform them these were unauthorized transactions, I also had my debit card cancelled and reissued. I then contacted the company responsible for the transactions, they informed me that they had no record of my account. 

Then again on XX/XX/19 I had another charge of {$19.00} deducted from my account. I am contacting my bank to report this as another unauthorized transaction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
This particular balance transfer was placed on XX/XX/XXXX from my HSBC account for {$4000.00} towards my XXXX XXXX credit card balance. This balance transfer has yet to be applied to my XXXX XXXX account balance according to my XXXX and XXXX statements, however the funds are represented on my HSBC statement since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hard inquiry from XX/XX/2017 I have been fighting this and I have credit fraud someone tried to buy a car in my name at 5 places can you please delete 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 2019-11-29 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This account a collection agency is trying to collect on is already closed by the creditors, this account has been closed and settled since XXXX/2016, yet, the creditors and collection agency continue to re- age this debt before selling it back and forth to each other. I had spoken to XXXX XXXX on several occasions and they closed the account, but yet they ( XXXX XXXX ) and ( Midland funding ) keep selling it back and forth ruining my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TN

Complaint narrative:
I accepted a position with Sunwest Mortgage in XXXX was promised they would obtain mortgage licensing in GA. my office was in XXXX Tn., which it is very important that we able to make loans in GA.Called to mandatory meeting in XXXX Tn XXXX with Managing Director, National Production XXXX XXXX, was informed that they are not willing to terminate any of the felons that they currently have employed in order to obtain GA license, Was advised that I would not have to pay any sign-on bonus money back to the company and we could leave. I went to my Sales manager to complaint and was advised to take my loans and get out. they refused to pay me my commissions have demanded that I repay my sign on bonus. I felt threaten and afraid of their strong arm tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: GA

Complaint narrative:
Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. 

Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: Conn's, Inc.
State: CO

Complaint narrative:
I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: HW Holding, Inc
State: NY

Complaint narrative:
i went to check my credit karma report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.hunter Warfield inc in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
I received this e-mail claiming to be from a law firm claiming I will be prosecuted for an unpaid debt and numerous other threats that violate consumer collections laws. Their e-mail does not tell me who the debt is for, just an extensive list of the companies they claim to represent. As a legal document, it is if filled with grammar and spelling errors. It is a very unprofessional letter. 

Another red flag is it appears I am only Blind copied on this e-mail so who knows how many other people received the same e-mail. The biggest red flag is that it is coming from personal e-mail addresses. 

Finally, this is not the first time I have received an e-mail like this from XXXX Attorneys. 

I have been a XXXX  XXXX  for XXXX  at a rather large XXXX   for 14 years and I know consumer protection rights when it comes to collecting on a debt. 

This is a major violation and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: QC HOLDINGS INC
State: NM

Complaint narrative:
I have 9 payments due on the XXXX of every month from XXXX to XXXX. I am suppose to call or come in and pay. I haven't had to call or come in and pay because the money is coming off my account with out my approval. And on the wrong day. Today is the XXXX  and money has been taken out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A charge was made on XXXX XXXX XXXX for XXXX of which we have a disputed. The merchant advised that the case was lost and we should have received a refund its been weeks. Capital one has not giving us our money and every time I call its a different excuse. The last one is that the case was still open when its not. This is a closed account and Im requesting that they issue us a check for the amount that they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Look at what they are applying to principal, and look at the historical payments. I tired a loan modification I made 3 payments on time. The loan modification they offered a new Maturity date to XXXX. They saying I Owe XXXX, I ; ve only missed 2 at XXXX has you can see I have been paying XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Principal Only Payment {$91.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been making overpayments and they are misdirecting them and subtracting them from loan only to add the same amount back on to loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Capital One Bank account was used without my authorization. There were several fraudulent charges made on my account from New York whilst I was home in Louisiana. I attempted to settle this issue with Capital One Bank but they deemed that no fraud occurred. This is not the case. I did not make these charges. The charges are : XXXX online on XX/XX/19 {$24.00} XXXX XXXX XX/XX/19 {$78.00} XXXX XXXX XXXX XXXX XX/XX/19 {$320.00} XXXX XXXX NY XX/XX/19 {$69.00} XXXX XXXX NY XX/XX/19 {$26.00} XXXX XXXX XXXX  NY XX/XX/19 {$12.00} XXXX XXXX MI XX/XX/19 {$24.00} XXXX XXXX XXXX XXXX LA XX/XX/19 {$32.00} and XX/XX/19 {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: CO

Complaint narrative:
I have a XXXX account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither XXXX nor Equifax will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day XXXX put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I don't have all the dates, but I have received a student loan from sallie Mae which then turned into The Department of Navient. Also I was making payments and when the total was not being decreased also a representative explained that I should apply for forbearance, what I did not know is that this was making matters worst because this was adding on more debt it was like I was starting the loan all over again. Also I noticed that the department of Navient is on my credit report twice. .They call me also email me telling me that I should reapply for another forbearance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: NV

Complaint narrative:
I had a mortgage account with XXXX XXXX which was delinquent as of XX/XX/XXXX, and never again brought current. XXXX XXXX reported the account as derogatory for years. Now that the 7-year reporting period has expired, they are reporting the account as closed as of XX/XX/XXXX, with an exceptional payment history. This is a lie, as the delinquent account was sold to XXXX XXXX XXXX, and once I defaulted on the mortgage, I never gave XXXX XXXX another penny. XXXX XXXX is deliberately and fraudulently reporting the account with an exceptional payment history in order to justify it remaining on my Experian credit report until XXXX. 

I filed a dispute with Experian, and the only change made by XXXX XXXX was the closure date ; it was changed from XX/XX/XXXX to XX/XX/XXXX. I have received no remedy or relief. I want this account removed from my credit report ( s ).

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 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
My wife and I both applied for the Apple Card. We have similar income and her FICO is a bit higher than mine on all three bureaus. I was approve for $ XXXX and she was only approve for $ XXXX. At the time we thought it was really strange. I just read an article in XXXX XXXX about complaints on Goldman approving men for higher limits than women. I decided to file this complaint based on that.

Company response to consumer: Closed with explanation