vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I cancelled my Auto Insurance Policy with XXXX and obtained XXXX as my auto insurance holder. XXXX was notified of the cancellation and indicated no charges were pending. In XX/XX/XXXX, I became aware a collection was placed in my name through the credit reporting agencies indicating a balance of {$380.00} was owed to XXXX. The collection agency is XXXX XXXX   XXXX ( XXXX ) based in XXXX, MA. I contacted XXXX on XXXX XX/XX/XXXX and spoke with a representative who indicated if I provided proof of coverage prior to XX/XX/XXXX, the charge would be removed. XXXX provided a XXXX Page indicating auto coverage began in XX/XX/XXXX. This information was passed to XXXX who replied to me via e-mail on XXXX XX/XX/XXXX that the charge was dismissed and the collection would be removed. I noted the collection was removed in XX/XX/XXXX only to return XXXX months later. I became aware the collection had returned after seeking financing on a purchase. I contacted XXXX XXXX XXXX on XXXX XX/XX/XXXX and provided copies of the e-mail correspondence with XXXX dated on XXXX and XXXX XX/XX/XXXX. Their representative indicated the information was insufficient and requested the XXXX XXXX Page. I submitted the XXXX XXXX Page on XXXX XX/XX/XXXX. It is apparent through conversation with the XXXX representatives they did not regularly check the status of this collection to see a zero balance reported by XXXX. I initiated a conference call with XXXX and XXXX on XXXX XX/XX/XXXX to resolve the issue, but the XXXX representative and the Supervisor of that representative were resistant to make changes to the account even though overwhelming evidence was directly at their fingertips and the XXXX   representative stated no pending balance was due to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Money was stolen from our checking and savings account by hackers making unauthorized ACH transfers from our accounts. We immediately went to our bank to start reporting and claims processing. Bank employees provided conflicting information and advice with regard to next steps. When we provided the bank with information on a similar hack that took place at their bank in another state, within the same time frame as ours, they failed to respond to requests from us for additional information, and would not put us in contact with their cyber security team to facilitate a full investigation. Multiple attempts to reach them on our own failed. The unauthorized transfers from our accounts total more than {$50000.00} to date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my XXXX XXXX have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting 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
Consumer complaint received 2018-08-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has been reporting negative remarks on my credit report. I spoke to my original loan Servicer XXXX XXXX XXXX on XX/XX/XXXX and they informed that they have not reported any on my credit files since XXXX so to take the negative remarks up with Equifax well Equifax reported onXX/XX/XXXX that my loans was in collections which is not turn my loans was paid in full on XX/XX/XXXX. Since equifax is reporting falsely it has caused my score to dropped 42 points which is affecting me in applying for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I purchased XXXX items from XXXX XXXX using my XXXX XXXX credit card. The first purchase was on XX/XX/17 in the amount of {$740.00}. I chose the " no interest with payments for XXXX months '' promotion. The second item I purchased on XX/XX/XXXX in the amount of {$290.00}. I chose the " no interest with payments for XXXX months '' promotion. I'm making payments of double the minimum payment due. However, none of my payments are being applied to my promotional balances, which have accrued almost {$200.00} in deferred interest. When I called XXXX XXXX, they said they were doing me a favor by only applying my payments to my regular ( non-promotional ) balance. They further said that they'd apply my payment to my promotional balance in the month that it was due to expire. That would mean that all these months I've been making payments, my promotional balances have not been reduced at all, and, to pay them off, I'll have to come up with the full amount of the original purchases the final month the promotions expire. So, the promotions mean nothing and they're scamming folks into taking these promotions when in fact they're just going to turn around and charge me almost XXXX % in interest when the promotion expires because they haven't applied any of my payments to the promotions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a loan in XXXX through Sallie Mae for XXXX dollars for the XXXX program. My XXXX co-signed for me to get this loan. 

I have had it deferred and also have paid. In total I have paid XXXX and my loan amount has actually gone UP. I now have a balance of XXXX. Now that sallie mae is under Navient I have tried to talk to them last year and have gotten nowhere. The payments I made last year have only gone to interest. Also my XXXX who co-signed the loan is not showing on he loan at all anymore. I dont know how you can take someone off a loan but I didnt do that so with how things are being handled there is something suspicious and fraudulent going on. I am struggling to understand what I can do since there is no help for private loans. I have contacted legal services and there are similar cases to mine but I do not have the money to pay an attorney to fight this. I have attached my payment history. Navient has a class action lawsuit against them and I have contacted them via phone and email for the class action case but no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
My loan was transferred to Flagstar Bank in XXXX, MI for an XX/XX/XXXX payment. Flagstar 's system wasn't set up to accept any payments until XX/XX/XXXX. In the meantime, they did the following : 1.  Provided conflicting information about my RESPA protection and not being subject to late fees or credit reporting for 60 days. One customer service rep said that I didn't have to make any payment for 60 days. The other said that I had to meet my regular payments 2. Starting XX/XX/XXXX, they sent me and my wife daily or twice a day robo calls to their debt services line even though I had no debt 3. Sent one letter about my RESPA protections and sent a subsequent letter saying that I would be subject to late fees and reporting to credit bureaus within 30 days. They didn't admit those were conflicting letters I called Flagstar today with my complaint and they did not resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XXXX I pulled my credit through XXXX to check for mistakes as consumers are requested to do. 

I noticed Conns credit corp had 2 collections against me. I knew I had 1 account when I bought a TV from them but I never had a 2nd account with them. So on XX/XX/2018 I sent 2 letters to Conns asking for a verification of debt of both accounts so I would know what the second loan was for. I sent both letters registered mail and received confirmation of their acceptance of both letters on XX/XX/2018 signed by a XXXX XXXX. 

On XX/XX/2018 I received a letter back from Conns showing the proof of a TV that I had bought. Which I knew about and I was able to verify the account number for that loan. However the 2nd loan that Conn 's says I have and is reporting on ALL of my Credit Reports, I still have received nothing for. It is now almost 5 months later and Conns has chose to ignore my letter for verification of Debt for the 2nd account they show on all of my credit reports. 

I have called Conns to make payments on the 1 collection that I have with them. I have even asked if there is any other debt I owe, they told me this was the only one. 

I have tried to go to the credit bureaus and ask that they verify the debt. They all said it is your debt because Conns said so. I tried several times to ask who they talked to or a copy of any paperwork sent to them showing proof to no avail. 

I am tired of feeling trapped by the Creditors and Credit Reporting Agencies. They make it so hard to actually get anyone to verify anything. I know Conns can't because there is not a 2nd loan with them. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
well I have be fraud my family members even siblings also I do understand why come I had to get my identity stolen. 
my name is XXXX XXXX. and I just want to protect my information. and my I was thinking to get a P.O box because I wanted to not use the address that's XXXX XXXX XXXX XXXX to send any mail there. people there take others mail. so that my mail. will be safe. but as of right not I'm XXXX. college student at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX however they turned the credit card business over to a company called XXXX. In early XX/XX/2018 I transferred my balance from XXXX to a new credit card with a more reliable institution. I called XXXX and canceled the original card with them. I received a letter confirmation of that cancellation. Then I received another bill from them with a balance of {$0.00}. Today XX/XX/18 I received a letter from XXXX XXXX XXXX of North Dakota informing me of a Rewards Program with several pages of fine print. I called and asked why they sent me this as I have no credit card with them. They asked for a credit card number and I replied that I do not have a MasterCard and no business with XXXX XXXX. I gave my name and he found me in his system and asked if the last 4 Digits of my card were 2. ( I cant reme the 4 numbers he said ). I said no my old credit card ended in XXXX to which he said yes its the same. We take over credit cards from small banks and credit unions and switch them out to New numbers. I told him the XXXX Master card was canceled and there is a XXXX balance. He said yes I can see the XXXX   balance. So I asked about the new number XXXX switched it to and he asked me to hold then returned and said they are both closed and I would receive correspondence confirming that fact. This idea that a company can acquire my closed credit card info and create a new account with their company is disturbing and scary. This man said his name is XXXX at extension XXXX the phone # XXXX. He is in XXXX ND. What they sent to me was called XXXX MasterCard Select Rewards Card agreement and disclosures statement I have no business with these people I canceled my MasterCard with XXXX approximately XX/XX/2018. I have a cancellation letter. What evil is XXXX XXXX attempting to inflict on me? I have no MasterCard I have no business with XXXX XXXX. Why is it this difficult to cancel a credit card. I have good credit and dont want that jeopardized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/XXXX I was sent XXXX from my brother, through Paypal. 
Paypal withheld the money for 5 days then I received an email from Paypal stating that the money was ready to be to be claimed. I then logged on to my account and when I attempted to to transfer the money I received a message stating that my transaction couldn't be completed at this time come back later. I kept trying and then called paypal to find out what was happening, I was then locked out of my account and had to wait on hold for over an hour, each time being transferred to another department, never receiving an answer that explained why there was an extra hold on my funds. Banks don't place holds on money as long as paypal has. Finally I was told that there was a internal computer security problem that would be delaying the availability of my funds indefinitely. Paypal 's internal computer security problems shouldn't affect the funds that belong to me Failed to honor funding times, Neglected to post payments when website fails, Mishandled customer disputes about payments. Paypal has a history of poor and deceptive business practices, and even after class action lawsuits have caused punitive damages, they continue these same practices. After I threatened to file a report they changed the error message on the transfer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent for my credit repot & saw ir was low, so contacted Transunion, got the report and from there Transunion file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called TransUnion on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?! 
I put fraud alerts on/with Transunion yet places i.e. XXXX XXXX still using my name? They l Transunion it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet Transunion put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX XXXX just giving me the run-around and I want my {$10000.00}!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I was married, went to college during our marriage, my student loans were based on married filing jointly income. My husband died in 2009. We had no assets to cover my student loans and I also lost my home to foreclosure. We lived in XXXX community property law applies including debt. 

Question : Is my deceased husband considered a borrower since his income was used for my student loans? 

Question : I was told by US dept of education that I do not qualify to have the loan forgiven, cancelled or discharged is this true? But it clearly states that if a borrower dies the loan debt will be cancelled or discharged. His income was used to determine my loan which I assume would legally make him a borrower. 

I am In default currently and the only options Ive been given is rehabilitation and income based repayment on the total balance which seems very unfair. He made more income than me and he is deceased and can not help pay the balance it was determined both of our incomes can afford. 

Please help! 

XXXX XXXX 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 explanation
Consumer complaint received 2018-08-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Somebody named XXXX XXXX is telling people to not give me a checking account, I did not authorize this XXXX to collect data on me or to report on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Dear Freedom Mortgage, Your demand for {$2100.00} shows that you failing to credit moneys received. This brings the amount moneys you have demanded in the last 27 days to XXXX. Based on you letters and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose, so you may profit  from the foreclosure of loans and property. It is very clear that your company want to refinance this loan, the contestant barrage of mail to refinance and the calls to my employment to solicit me to refinance this loan. Assuming 3 days for mail your letter was not mailed before Wednesday the XXXX of XXXX, whereas the XXXX was a Sunday it is doubtful that the letter was written on the XXXX. I find your company actions to show that your employees are without integrity. 
Freedom Mortgage shall provide an accounting of all funds received and dispersed from the inception of the loan showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I received a copy of my Credit Report from all 3 credit bureaus and noticed an erroneous charge reporting from GM Financial in which they said I owed. I've since reached out to them on XX/XX/2018, regarding VERIFICATION of this debt and amount in which they said I owed per the FDCPA guidelines. I have also asked the credit bureaus to do an investigation on the matter as well via disputes sent. The only responses I get from them is that the they do not know what it is i'm disputing when my letter clearly outlines what I need from them. The item has since come back VERIFIED and I've received no PROOF and/or documentation from either side regarding this charge despite reaching out multiple times to GM Financial and their reporting on my credit report is highly impacting my creditworthiness. I do not believe this debt belongs to me and until I can be provided proper documentation via a signed signature, e-signature, or proof of indebtedness I would like this to be completely REMOVED from all 3 credit bureaus immediately or my next step will be legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MO

Complaint narrative:
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation