vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a JetBlue credit card through Barclays Bank. All was fine except in XX/XX/XXXX while I was out of country XXXX/XXXX charged me for a purchase that was made in XX/XX/XXXX. In XXXX I bought 4 tickets on XXXX XXXX to XXXX, trip was from XXXX XXXX XXXX This charge showed up on my account in XXXX statement which was paid in XX/XX/XXXX. The 2nd duplicate charge in XX/XX/XXXX is what XXXX/XXXX is refusing to remove from my account. I have contacted XXXX XXXX and they have confirmed in writing and in conference call with XXXX that they have not initiated this charge. 
The duplicate charge was disputed XX/XX/XXXX, I returned from my trip on XXXX, after going through my bills I had noticed the charge, I disputed it right away and XXXX assured me that they will take care of it. Around that time due to COVID -19 everything was shutdown and finally when I'm able to contact XXXX and ask about the charge they are refusing to reverse it and continue to tell me that this dispute is escalated to higher management and I keep getting letter and harassing phone calls to pay minimum due on the account. In the time, I have talked to at least 50 different relationship managers at XXXX and every single time I'm told how sorry they are that this has happened to me and they will escalate to whoever and take care of it. 
Now XXXX has sent this to collection and I have started receiving harassing phone calls from Financial Service company that XXXX contracts out to solve their collections. 
I have never been late on any of my payment and this has impacted by credit score by at least 100 points. 
I don't know at this point I'm so frustrated and don't know who to turn to resolve this matter. 
Hoping to get this matter resolved. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: AES/PHEAA
State: MD

Complaint narrative:
I have been on the Income Driven Repayment plan with a {$0.00} minimum payment. I am XXXX XXXX military and my understanding is that this is supposed to count towards the 10 years for the public service loan forgiveness program. Yet, the company keep automatically placing me on deferment plans that don't count towards the 10 years. This is in addition to the rude, bad, and/or misleading information that I get from the extremely rude customer service representatives when I call. It really seems as if they are purposely trying to ensure that this program is not used by service members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I tried to link my checking account PNC to my new account XXXX XXXX. But PNC has made a change that prevents me from being able to link my account. Please help me alert PNC that I need access to my financial data from PNC to XXXX account. I need to transfer my money from PNC to XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: MO

Complaint narrative:
XX/XX/XXXX using XXXX XXXX as a 3rd Party I contacted Tek Collect, after noticing them on my credit reports attempting to collect for XXXX XXXX XXXX. 

I had an unsecured loan threw my bank, XXXX XXXX XXXX XX/XX/XXXX, that loan was paid IN FULL within its time frame by XX/XX/XXXX. I obtained this loan as a XXXX XXXX  due to the govt shutdown. There were stipulations on them, and we had to pay them back asap. Under no circumstances should a collection agency ever been contacted regarding my loan with XXXX. So why did Tek Collect show up on my acct in XXXX? 

Using XXXX XXXX, I requested that Tek Collect remove their tradelines from the credit bureaus, due to my XXXX loan had BEEN paid in full. I received a letter dated XX/XX/XXXX stating that they had done so. I assumed they notified all 3 bureaus ... in the letter it stated the credit reporting agencies .... I saw their info deleted from XXXX. 

Later to find out, its still on my XXXX report. Please see all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).

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 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened an account with XXXX XXXX and It wont let me link my bank account to start trading. It is telling me PNC bank made some kind of change that wont allow this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I paid XXXX XXXX XXXX a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with XXXX XXXX XXXX, they informed me that I could call XXXX XXXX XXXX to have them contact XXXX about the {$170.00} having been paid in full. XXXX   advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact XXXX. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by XXXX, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.

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 2020-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have fixed a problem with a XXXX acct reporting as mine several times now. It was removed from my credit twice due to dispute and now appears on my credit for a 3rd time. I have disputed previously through both XXXX and the credit burau. Now XXXX has gone backnon my credit fir the same account under a collection agency named XXXX XXXX XXXX. 
On XX/XX/20 i called XXXX XXXX XXXX and explained what was going on. she told me I had to dispute through the credit bureau again. Please stop this cycle and correct my credit 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 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
InXX/XX/XXXX, I paid off a boat loan that originated with XXXX XXXX, but taken over by Yamaha Motor Finance in  XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX showing that the loan had been paid off and the account was closed. I still had not received the title as of that time. I had contacted Yamaha Customer Service in XXXX after I received confirmation that the money I sent to pay off the loan had cleared my bank. I asked how I could expect before I received the title and was told 30-45 days. When I still had not received the title by XXXX, I contacted Yamaha again and spoke to a supervisor. He told me that he had placed another request in to the department that takes care of titles to see where it was and why it was taking so long. I waited the allotted time that the supervisor told me to wait and still no title, no phone call or no email. I called Customer Service again and asked to speak to the same supervisor. He was there and told me that the only thing he could do was place another requisition to the collateral department and told me that he would absolutely contact me back with 24-48 hours to give me an update. He also informed me that the only way he could converse to the collateral department was through company email, that he could not call them directly. I waited four days and no return call or information. I began researching online for Yamaha Motor financing and was able to locate an email address for the collateral department. I gave them all the pertinent information about my account and the problem I was having with the title. As of today, I still have had no call back, no notification, no outreach or comment from Yamaha or their collateral department. It has been four months now since this process began and no email or contact from Yamaha. The sale of this boat to an individual is pending the delivery of the title. I am already very displeased with the service I am receiving from the company. If the gentleman backs out of the purchase of my boat, I will be extremely upset as it will intensify my already struggling financial situation. I am unable to attach a copy of the email sent to the collateral department, as well as the email I received from XXXX XXXX. I can inform you that the email from me to the collateral department was made XX/XX/2020 and the email from XXXX XXXX showing the account had be closed was received by me on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
i mail them the law and they still trying to collect money each month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - notified CDI Affiliated Services that the debt they are trying to collect is the result of an employment disagreement is not owed to the company initiating the claim. 
XX/XX/XXXX - noticed a drop in my credit report, called and spoke to XXXX at CDI Affiliated who said the notice to the credit reporting agency was filed in error and this was going to be removed. 
I believe this is a way to harass me for payment even though there is no valid claim from my previous employer for the amount they are trying to collect. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a CD account with Comenity Direct. Back around XX/XX/XXXX I received an email that the CD would be maturing and to either call or use the secure mail feature on their website to confirm if in fact I did not wish to renew. I called and I also used the secure mail feature and advised the bank that I would not be renewing the CD. In turn, I received both verbally and email confirmation that they received the request and after the CD matured, they would send back the money ( {$51000.00} to my checking account which initially funded the CD.  It's now 6 days since the CD matured and the bank has still not processed the request. In turn I have spoken several times with several different customer representatives and each time I get a different story. The last story is that they are working on the ACH and the reason it's taking so long is they work on them in the order were received. I was also told initially that I could transfer the money back to my external account once the CD matured which is not true as even though online it shows my external account information, it doesn't give me the ability to do anything. Please help. Thanks for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Hello, and thanks for your help. According to my credit card statements from Citi in XX/XX/XXXX through XX/XX/XXXX, I earned about XXXX XXXX points with the XXXX XXXX  XXXX card, opened XX/XX/XXXX. However, these points have not shown up in my XXXX account. After many phone calls with customer service representatives at Citi and XXXX, the problem has not been solved, none of the points I earned are in my XXXX account, and my case has not been passed along to service reps who have the resources to help. 

Summarized timeline : On XX/XX/XXXX ( 3 months after earning the points as verified on my credit card statements ) I called Citi and gave my XXXX account number to verify they are putting points in the correct account. The rep told me, presumably after making some change in the system, to wait and check if the points appear. They didn't. Meanwhile, XXXX phone reps were unable to see my earned points or track down if Citi had sent me any points for the past half year. XXXX guessed I should make a new XXXX account in case my old account is broken. On XX/XX/XXXX I created a new XXXX account and called Citi to give them the new XXXX Member ID and asked that all my earned points be moved into the new account. Citi said they'd escalate the case and contact me with the resolution. Citi has not contacted me. Half a year after earning rewards, I have not yet received any.

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 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: ID

Complaint narrative:
My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XX/XX/XXXX. Our loan officer advised us not to make our XX/XX/XXXXmortgage payment because the refinance would fund in XX/XX/XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was Guaranteed Rate and we got a notification saying that the servicer was being transferred to XXXX XXXX XXXX. This new servicing would take place in XX/XX/XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against Guaranteed Rate, XXXX, and XXXX XXXX XXXX. 

We have received notices from XXXX stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both XXXX  and GR regarding the difference. Escrow provided me with a payoff amount and XXXX said that it was enough to cover the total loan payoff. GR changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like XXXX was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called XXXX again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
On XX/XX/2016 we had purchased a money order in the amount of {$1200.00} from PLS Check cashing service for our rent.On XX/XX/2016 we found out our landlord never received our money order and went to PLS only to find out the money order had been stolen from the mailbox. We made a police report and were advised to wait for the investigation that we would get our money back soon. Till this day I have yet to receive my money, I have made several phone calls to both PLS and XXXX XXXX  which is bank the checks are drawn from but everyone just gives me the run around and transfer me to manager after manager with no resolution. This is absolutely absurd! PLS tells us they have to wait for XXXX XXXX  to respond and give us the money, when we call XXXX XXXX  they tell us they are waiting to hear back from PLS. At this point I believe this was probably an inside job and the thief is being protected.

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 2020-07-08 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: World Acceptance Corporation
State: IL

Complaint narrative:
WORLD FINANCE INC XX/XX/XXXX, I agreed to a payment plan to bring my account current. At the time, I was told I would no longer be incurring extra fees or interest while trying to pay back the current amount owed. 

To date XX/XX/XXXX, I have been paying on time as agreed in XX/XX/XXXX with the understanding that my credit would not be adversely affected. Instead, after reviewing a new copy of my credit report, I found that the agency has been reporting my payment as late each month. Although I am following their payment agreement. 

I have called twice in XXXX to try to remedy the problem. They gave me the run around and said sorry there is nothing we can do, unless you want to pay in full?? 

I have never had a company that enters a payment agreement with you but still negatively connotates your credit history. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).

Company response to consumer: Closed with explanation