vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX will not take a equipment charge off my credit report so my loan is on hold this problem started when I did not receive there return label and after returning the equipment on XX/XX/2019. Paid the full balance that included a early opt out fee. The equipment was returned on XX/XX/2019 and I was given a credit but it is still on my credit report as unpaid causing me to shut down my loan process and the investor that wanted to buy my house is looking at other property now because my loan is on hold and I have asked XXXX to update my account and this have not been done after I filed a depute on this case. Equipment is showing I owe {$390.00} instead of paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc
State: NJ

Complaint narrative:
Okay, yesterday I was shocked to find out my refund has been offset again. After all day on the phone the only answer I got was okay we will put a dispute on your offset. This was told to me by the collection agency that works with Dept. of education. This was XXXX XXXX. I filed these loans over twenty years ago. Over the years I worked for 10 years I had my wages garnished weekly for a total that could buy me a college! Also year after year from approximately XXXX till now EVERY refund has been taken as well. This is where it gets very interesting I asked and pleaded for my payment details. I believe there is either a HUGE error or something.. Now when I was a kid I really didnt take track BUT I do know I have transcripts and my family didnt have much so I also received grants and aid. There is no way this can still be unpaid. I didnt even graduate!!! So I learned the hard way. I want to know what do I have to do because NOBODY is giving me an answer. I am in financial ruin and was relying on that refund. Please help!!

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I bought a Visa Gift Card from GiftCardMall.com ( run by BlackHawk ) for {$480.00} on XX/XX/18. 

The card was stolen in transit before I received it in the mail, and was used fraudulently. 

I contacted the company and was issued a replacement card, and was told to submit a formal complaint specifying the fraudulent activity in order to have an investigation that would lead to me being reimbursed for the fraud on the replacement card. I emailed in the required form to the BlackHawk network email specified on XX/XX/18. 

I never heard anything back from the company, and contacted by phone periodically to ensure there was nothing more that was needed, and each time I was told everything was fine and the the case was proceeding. 

However, this week I called and was told the case was inexplicably closed on the same date I sent in the formal complaint! However, nobody in the company is capable of answering why they are not reimbursing me for the fraud per their policy. 

In short -- I ordered and paid for a card with a {$480.00} balance, and I only received a card with a {$54.00} balance. I am still out {$430.00} the company owes me for the fraud between the time the card was between office and my mailbox. I have done everything asked to certify that I did not make the charges, and there policy is that I am not responsible for any fraud and will be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX. 

So, I noticed on my credit report on, or around about XXXX. That an negative action was on my credit report. I think it was from another agency. Then I realized that is was XXXX collection agency. I've never had a contract. or dealings with this agency. Just recently, after checking my report. Another company XXXX XXXX  reported on my report as well! Again I don't have contract, with these 2 agencies! I have call both credit agencies on this matter. They instructed me to contact both companies directly. I did so as of XX/XX/XXXX and XX/XX/XXXX. They both were very aggressive and rude. Telling me that these were my debts and I had to pay them. I disputed these several times. Always coming back as verified. I'm so exhausted and frustrated with this matter. I've contacted both companies to provide me with proof of debt. They never sent any to date. If they can not provide proof of originals debts. To please remove from my credit report. In addition to stop all contact and reporting to credit agencies. I'm so grateful to have found this free amazing service. Please help me in this stressful matter. 

P. .S. The amount for XXXX is : {$160.00} & XXXX XXXX _ {$740.00} Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TN

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.

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 2019-03-22 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: TN

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XX/XX/XXXX. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX College nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/XXXX reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/XXXX wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.

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 2019-03-22 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: Collection Resources, Inc.
State: TX

Complaint narrative:
I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: ND

Complaint narrative:
Equifax and XXXX are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
XXXX XXXX of XXXX NC financed my vehicle. My payment date is the XXXX of the month. You have 10 days to pay before a late fee is applied. I normally pay them with my 2nd paycheck before the late fee is applied. I am not behind on any payments. I am up-to-date & current w my payments. I work 8-5 Monday-Friday & i am not able to answer my phone. My voicemail states my availability. This company calls repeatedly. They leave messages but before I can respond they start to call me from unknown numbers & then they text. I become so frustrated and stressed that it deters me from responding bc by then my mental state is off from the constant random text messages and phone calls from unknown numbers. Just like many people i dont usually answer calls from unknown numbers. This company doesn't give you enough time before they begin to harass you. I have had this issue with them in the past and asked them not to text my phone. If they check my records of payments it's evident that I pay around the same time each month. This company harasses u and threatens to repo your vehicle before your 10 day penalty even comes. What can I do in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. 
I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Purchased an auto on XX/XX/XXXX Received first bill XX/XX/XXXX Bill due XX/XX/XXXX On the bill it says THE TIMING OF YOUR PAYMENT WILL AFFECT THE FINANCE CHARGES YOU PAY OVER THE LIFE OF YOUR AUTO ACCOUNT. 

I called the company Ally Financial based out of XXXX MN, to ask what this means. The answer I received is after 15 days a late fee would be charged to the account and every day after that time period if payment is not made finance charges are added for the life of the of the loan. So I think this is what it means though it is not clear. if I was late for 1 day past the due date whatever interest that accrued would be added to the loan and interest would be paid on that amount for the rest of the loan. So for example if {$1.00} was the interest for one day after the 15 days allowed that {$1.00} would be added to whats owed and for the rest of the life of the loan that extra dollar will accrue interest. I also was told by the finance company that the dealership should have informed us of this policy and they did not. Also after talking to the finance company, I called The dealership and was told that is a common practice for all finance companies. I have never noticed this to be the practice of loan companies. 

I dont plan on paying my payments late but things happen. 

Attached is a copy of the policy in question that was on my bill for the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: ND

Complaint narrative:
XXXX and Transunion are incorrectly reporting me 120 days on the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX ( pages 4 - 8 on the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on accounts with a {$0.00} balance and {$0.00} past due.

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 2019-03-22 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: GA

Complaint narrative:
Funny payment applications - I have a XXXX balance but they say no payment is due. I make payments regardless, but doubt they are being applied. IT HAS BEEN 12 YEARS! 

Its Navient in case anyone wonders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
On XXXX XXXX I received a official copy of my credit report from XXXX  and derogatory remarks was removed from XXXX as credit reporting agency as Prestige Financial Services made contact with XXXX   to remove the negatives from my credit report. 
Why would XXXX falsify on deletions of negative on my credit report as XXXX gets a electronic or Verbal message from Prestige Administration.

I am respectfully requesting that Department of Justice ADA and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that XXXX, XXXX, XXXX to delete all Unauthorize Hard Inquiries on my credit report and also for XXXX and XXXX  remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with Prestige and I signed a Privacy Release for Federal Investigations.

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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased the car XX/XX/XXXX and at the time of purchase was sold a XXXX XXXX  lease vehicle protection plan for {$1200.00}. The dealer said that this would cover all wear and tear on the car including window repair, nicks, door dings and tire replacement. My last service was XX/XX/XXXX and I was told that a tire needed to be replaced as it was not repairable and they wanted to charge me for a new one and made no effort to contact XXXX, I declined. I turned my car back in to the dealership XX/XX/XXXX after paying my final lease payment. I spoke with multiple members of the XXXX XXXX " XXXX '' team in the weeks leading up to surrendering the vehicle. On every occasion I asked if I needed to get the tires replaced and was advised that I did not they were covered by the XXXX protection plan. The car was XXXX below miles, had no dings, scratches or wear and tear. I received my " final '' bill for the disposition fee of {$390.00} which I promptly paid. Now a month later they are calling multiple times a week during my work hours saying that I owe for a tire repair for a bill I never received and for a service that the dealer, the allegiance team and XXXX all told me was covered multiple times before I surrendered the car. They have not stopped harassing me and have cost me several hours of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase of {$260.00} on XX/XX/XXXX. I made payments of {$160.00} on XX/XX/XXXX and {$260.00} on XX/XX/XXXX. The minimum payment was {$140.00}. The closing date was XX/XX/XXXX ( please see attached statement ). That statement ( XX/XX/XXXX ) shows that I had an outstanding purchase balance of {$230.00} on XX/XX/XXXX. I have enclosed the previous months statement to show that there were NO other purchases prior to the one on XX/XX/XXXX. 
However, when I got the XXXX statement, it shows that I still have a purchase balance of {$210.00}. I have a promotional balance (@XXXX ) in XXXX of {$6900.00}. In XXXX, the promotional balance was {$7200.00} - a difference of {$380.00}. 

Apparently, the payment ( above the minimum payment required by Chase ) I thought would be applied to the purchase (@ 21.49 % ) was applied to the promotional balance first. It is my understanding that once the minimum payment has been met, payments in excess of the minimum would be applied to the highest interest rate balance first. This is not the first time that Chase has skirted US Financial Law to turn a larger profit. I need help in rectifying this problem, because my logic fell on deaf ears at Chase. Thank you in advance for your assistance. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My VA mortgage loan was transferred to Flagstar Bank/XXXX XXXX  XXXX. Every year, I get a letter from them demanding payment for an escrow shortage. Normally, they do my escrow analysis in XXXX ; and when I have contacted them in the past March was when they told me my analysis is supposed to be done. This year they did it in XXXX, right after the insurance and property tax was payed out. I was left with a balance of {$86.00} in my escrow account. They mailed me a letter stating that I needed to pay {$580.00} or my mortgage payments would increase by {$87.00}. The escrow transaction statement they sent me does not show the extra {$200.00} I paid them last year for the " escrow shortage ''. When I looked at the transaction data, they are stating payouts for my home owners insurance that are more that what XXXX is charging me. All of this looks highly irregular and I feel like I am being taken advantage of. When I contacted the escrow department of Flagstar Bank, the agent kept talking in circles and said the escrow shortage was money that I owed Flagstar bank that they paid out on my behalf. When I questioned them about doing my escrow analysis earlier than XXXX, they said it was, " because of the state you are living in requires it to be done in XXXX   ''. I asked the agent why it was different this year than the previous years, and she lied to me and said they have always done my escrow analysis in XXXX. When I sighted RESPA to the agent and that the balance of {$86.00} was over {$50.00} and they are required to refund the amount, she told me that they are not required to refund any money, when I owe them money. I feel like I am being scammed, and I am tired of my mortgage payment jumping up every year. When I look at the escrow transaction amounts, they don't match the bills I am getting from XXXX. Something doesn't feel right about this, and as a XXXX veteran, I think I should have been provided a better explanation from the escrow agent than, " you owe us money ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation