vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This bank is run by a bunch of XXXX. I opened this account back in XX/XX/XXXXand was supposed to receive an account opening bonus. I met all the requirements for that bonus way back and this lousy bank has not credited me that bonus. Every time I call these lying XXXX, they blame the previous agent for not doing the job properly and tell me some more lies that they have done it right and my issue will be resolved within a certain amount of days. Of course nothing happens and I call back and the whole thing repeats itself. May be filing this complaint will get these XXXX  to do the right thing. Please keep this complaint on their public record. Here are some of the case numbers I was given by these lying XXXX.. and each one of this call means an hour wasted listening to their repeated lies XXXX from XX/XX/XXXXThere was another really arrogant supervisor in XX/XX/XXXXwho said the bonus will be there by XX/XX/XXXXsomething and that I was bothering them for no reason. Ref XXXX from XX/XX/XXXX, wasted more than an hour and no results Ref XXXX from XX/XX/XXXX. Another hour wasted with XXXX XXXX. I have many more of these XXXX case numbers these XXXX gave me but I do n't want to waste any more time putting it together for them. <P/>Will you please shut this lying piece of XXXX bank? <P/>thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IL

Complaint narrative:
The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Stellar Recovery, Inc.
State: AR

Complaint narrative:
I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.

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 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TX

Complaint narrative:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

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 2017-07-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported 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 2017-07-03 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported 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 2017-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
i WAS TOLD BY CAPITOL ONE REP TO APPLY FOR THE VENTURE CARD I ASKED HER TWICE IF IT WAS A HARD PULL OR SOFT PULL SHE SOFT, WELL IT WAS NOT ... ... ..I WAS THIS REMOVED, FROM MY CREDIT REPORT ... ... ... ... ... ... THAT REALLY MAKES MY CREDIT SCORE SUFFER WRONG INFO GIVEN TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
hi my name is XXXX XXXX and my wife name is XXXX XXXX. Me and my wife was XXXX Global client solutions debt-relief service client. my wife XXXX XXXX she got money back still I did not get any money back or hear anything from cfpb. so some can help me to what can do now. its was same time we was paying global. mission global solutions only took money they never settle anything.so I thing I can expect to get my money back too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
many accts were paid by XXXX insurance bank took the money from the insurance but still charged off the accts get them to correct the file

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 2017-07-03 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
banks reporting wrong as the insurance on these accts paid the acct in full but the banks are still reporting falsely these accts should be deleted as it is fraud

Company response to consumer: Closed with explanation