vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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 reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-09-10 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I keep getting email from Venmo stating i have made charges. I do not have a Venmo account. I have tried to contact Venmo to find answers to problem. They say I must sign in to get info. I cant sign in because i don't have an account. when i say i forgot my password i am asked personal information about my bank account. i marked mail as spam but keep getting. today I another email with a link to XXXX account. No one here by the name XXXX. Tried again to contact them but they once again want banking information. I tried again to make it spam. even filled out forms with XXXX but not working. I think this company is fishing for people trying to do the right thing. I have frozen my credit already because of XXXX XXXX hack. dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM. 

WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW?? 

THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY?? 

NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT! 

SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I set up automatic payments for {$500.00} via TD Bank 's web page which did not process on the due date XX/XX/XXXX as stated. www.onlineaccessplus.com/TDBank/Login.htm. On XX/XX/2019, I noticed the amount was still in my bank account and TD Bank applied {$27.00} late fee to my account. I spoke with a representative at TD Bank and they stated that since the amount was more than the minimum payment, it was unrecognized, so it is set to process in XX/XX/XXXX. She said they would reverse the late fee. I do not trust their payment system, hence I had to call in the payment to be sure it post for the current cycle. They have no problem accessing late fees in a expedited timely manner but they delay payments up to 3 days. This is not good business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Bluebird permanently suspended account without notice and has not refunded me the balance left in the account. They refuse to tell me why they closed it. The only recourse they gave is for me to write a letter to their customer relations division.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Enterprise Acquisitions
State: IA

Complaint narrative:
A while back I tried to take out a personal loan through Enterprise Rent a Car for a used car in XXXX, IA looking at buying a vehicle. The address is at XXXX XXXX XXXX, XXXX, IA XXXX. The issue lies that after trying to finances arranged to help pay for the vehicle, they denied me for the loan after taking too long. I would like mediation of this issue and please follow up with my self directly. I can be reached at mobile phone number ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has completely refused to delete a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX collections from my credit report. I also have unauthorized hard inquires that they will not delete. XXXX XXXX XXXX XXXX does not have a surety bond to be collecting in the state of Texas.

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im having an issue w/Transunion! I reported identity theft w/FTC rpt # XXXXafter being notified of idtheft by credit monitoring 4-5days ago- i was told to place a creditLOCK ( after a Freeze did NOT work ) w/the big 3-I placed LOCK w/ XXXX.XXXX XX/XX/19.Transunion will NOT allow MY FILE to be locked cause theyre are Multiple Files on me? 
I asked to merge em so I can place aLOCKwhich is critical -but they now claim transunion does NOT have a credit lock-now I find last night, someone canceled the mbrshp I paid for yesterday! HELP I NEED MY XXXX CREDIT RPT LOCKED IMMEDIATELY TO SLOW THE IDENTITY THEFT OF ME!!! 
Thank you 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 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
This company decided to make up a fraudulent ex parte motion and order to renew civil judgement for a non existent debt. What they did was make outtakes faje city document stating renewing the civil judgement was granted. The problem is, that the judge who " signed '' the court document had been retired for 4 1/2 years. So this company forged the signature of a retired judge on a fraudulent court document. When iI was the court to see what this was abot and have the case number, they said it didn't exist ands it sounds like a scam. When I called the company to address this issue, No one would answer the phone. I had to leave a voicemail in order to get somebody to call me back after calling 6 times. When I got somebody on the phone they Try to tell me That the motion was granted in that I owed this money that I know nothing about and when I had ask them about why the judge that signed the court document hasn't been practicing for 4 and a 1/2 years they had nothing to say. This company is a scam artists and means to be charged with fraud and impersonating a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
Two weeks ago I opened an account with Suntrust bank online. The {$100.00} initially deposited was returned. I also deposited a {$490.00} which was also returned. When I attempted to use the online app I instructed to call the bank which I did. I was informed that the account was closed that was on XX/XX/2019. I immediately called social security regarding my direct deposit to this bank. I was informed that they would not be able to re-route my check, however if the account is closed it will be returned to social security and they would then be able to route it to a different account. On XX/XX/XXXX I received a new PIN number for a new debit card that was on the way. On XX/XX/XXXX I received the debit card and activated it. I called the bank and was informed I did have an account and that my social security deposit would be available on XX/XX/XXXX. Today I contacted the Suntrust bank and was informed that I would not have access to the funds. The funds were verified that it was at the bank. They informed me that when they decide to close that account again I would receive a check in 7-10 days. Im retired and use my monthly check to pay my rent. If I am unable to access my funds that they are holding I will be unable to pay my rent and will be evicted. I called Suntrust back and asked to speak to a supervisor. He informed that they did in fact have the funds. I asked if I would have access to the funds on XX/XX/XXXX. I was informed they couldnt say for sure. Im in desperate need of my funds and Suntrust is not able to give a yes or no answer and suggested I contact them on XX/XX/XXXX. 
I do not see any reason why I can not access funds that they are holding. Suntrust does not seem to know whats going on or when I will receive my funds. Im begging for immediate assistance in this matter.

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 2019-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Good day! 

My HELOC lender, PNC bank has some MAJOR issues. Payments are not being recorded properly nor applied to principal in a proper, industry standard manner. Rather, the bank and it's systems are flawed and creating erroneous entries while I, the consumer am left to sort through it. I just tried to get a balance as of XX/XX/XXXX almost 2 full weeks ago and the bank is unable to provide that to me. I made multiple payments to my HELOC to pay 1 ) the P & I due for XX/XX/XXXX ( auto debit ) as well as two Principal payments ( $ XXXX & $ XXXX ). Yet the balance was still not reflected some week+ later. 

How can a bank not be able to tell me the principal balance due? Further, they created multiple ( 3 to be precise ) monthly charges of XXXX. This is the same amount that was auto-debited for the monthly payment. 

I find it out of control that a bank, in XXXX can not have proper systems in place. This makes me call ALL transactions into question. Th veracity of PNC data has me questioning their ability to accurately reflect financial transactions. Why should a consumer feel that way? Even their online system is paltry for XXXX. Transfers within the bank do not show in realtime! If I Were a regulator I would be very concerned with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I stayed at the XXXX hotel in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2019 where I was there to interview for the company. I paid for a hotel room and filled out an application for employment both electronically and in person. I was denied the interview for employment for a good paying job at $ XXXX hourly wage. Then there was no follow up for the reason why it occurred. Please note : follow up with me in person because I have a state issued identification along with my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
I originally took out a loan on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and again on XX/XX/19 with Opportunity Financial , LLC. When applying for these loans Opportunity Financial, LLCs website states that they do not do credit checks with the three large credit Bureaus and that they do not report payments to any of the three large credit Bureaus. I pulled my credit report and they have indeed been reporting payments to the credit Bureaus showing all these accounts being opened and closed and opened and closed and some not closed that I have paid off. I also believe that the company is breaking consumer protection laws because they have allowed me to take out one loan within days or hours of paying off my previous loan causing a vicious debt cycle entrapping me with their high interest rates. If you look at my debt to income ratio I clearly can not afford this loan. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
1. I did not not have the option to set up automatic bill pay that defaults to the minimum amount due. Had to manually set up monthly payments at a certain dollar amount. Increases the risk that I'll not meet minimum payment. 

2. After three months of a consistent {$25.00} minimum payment, my minimum due was increased to {$62.00}. Again, this seems like an attempt to trick me into paying less than the minimum payment, so they can both charge me a fee for failing to pay AND so they can remove the promotional APR I qualify for.

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 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
the credit report is showing the credit card debt ( XXXX XXXX ) but is also showing that it was sold to a collection agency they are both in the credit report, i did not received any notification from the collection agency, also it shows that owned money to both agency when i only own money to the credit card company i been disputing for this to be removed but the credit company stated that is accurate, but is not. 
actual credit own to XXXX XXXXXXXX XXXX $ XX/XX/XXXX credit collection ( XXXX   XXXX ) shows XXXX $ opened XX/XX/XXXX they are both the same account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
The debt collectors have called me multiple times over several months attempting to collect a debt that is not mine. My phone number is incorrectly associated with the person who owes the debt. When I call, some of the collectors will tell me the name of the person who they are trying to reach and some will lie and say they can not tell me due to the privacy act and that I have to tell them who I am first. These harassing calls continue every time the debt is sold, just because my phone number is erroneously associated with this persons debt. Most recently, a collector denied me the ability to speak with a supervisor about the issue after calling me while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I bought an XXXX through payment plan, loan amount : {$1300.00}, Monthly payment : {$52.00}, in XXXX  store @ XXXX XXXX mall in XXXX XXXX, Texas back in XXXX. 

Only after I started making payments. I learnt it's a loan from Citizens One bank. 
I have never received any statements in letter nor electronically since then. I called them this morning. They declined to send statements in form of physical letters because of they are " paperless '' company. They declined to issue me statements in form of PDF files either. All I have it's their web page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Problem with personal statement of dispute
Company: Clarity Services
State: CA

Complaint narrative:
Clarity Services Clarity for Consumers XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company keeps giving false info under my SSN when trying too obtin loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NJ who obtained financing for my auto loan with Valley Bank. When it came time to have the loan documents signed, the finance associate that they sat us with had my husband sign all of the loan documents, despite the fact that he is not on the loan, only I am. He stated it wasnt a big deal with this bank hes very familiar and theyre not too picky. Not one signature on the loan documents is mine. 
Fast forward to the present on XX/XX/XXXX I made of payment of {$200.00} XXXX my required regular payment is {$800.00}, I accidently inverted the 2 and the 8 and didnt catch it the day of ). On XX/XX/XXXX I made a payment of {$590.00} to make up the rest of the payment, as it was my intention to pay the whole amount originally. On XX/XX/XXXX I was mailed a delinquency notice that my loan was now 15 days overdue. I called the number on the notice, at approximately XXXX on XX/XX/XXXX, and inquired about the notice as I had made my payment, it was just coming through as two by mistake. She was extremely rude, and informed me that the reason I got the notice is because I need to make my required payment, and that the bank doesnt consider partial payments as a regular payment. I informed her that my bank had sent the money, and again stated it was a simple error I corrected the next day, the payment still wasnt due until XX/XX/XXXX. When I finally got her to understand that that was not my intention, that I wanted to make the entire payment by the due date, she found the rest of the money and stated she was going to fix the payment to be applied correctly that day. 
On XX/XX/XXXX I was mailed yet another delinquency notice that my loan was 15 days past due. I double checked my records, as I knew I made the required XXXX payment ( XX/XX/XXXX - {$800.00} payment not due until XX/XX/XXXX ). On XX/XX/XXXX at XXXX am I called Valley bank yet again and spoke with XXXX, who started to tell me I didnt make the required payment. I AGAIN explained the situation, and that it was supposed to be corrected on XX/XX/XXXX ( I was assured at that time I would not pay any late fees and my credit would not be impacted ). She said she had no record of that, and that she had to send it to a supervisory for review. I asked to be put through to the supervisor at which I was told they had to research it and that I needed to call back later in the week. 
I dont appreciate being treated so poorly my loan has never been late, and its a loan that wasnt even signed by me! I would like the CFPBs help in getting this matter resolved, as it is extremely annoying to receive a delinquency notice every month on a loan that is current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: NM

Complaint narrative:
The lease that I got when I originally leased the car said that I would be able to buy the car at the end of the lease. When I turned the car back in at the end of the lease the salesman would not talk to me about buying the car that I was returning. He would only talk to me about other cars that were a grade below the car I was returning and cars that I did not want. He just completely blew me off. Then when I came back a second time he was helping other people and I was just left to sit and wait for half an hour. He didnt return my email. They were basically just blowing me off. Now they want me to pay this huge mileage fee. They just wanted to be able to make me pay the mileage fee and buy another car and start over. Its not right.

Company response to consumer: Closed with non-monetary relief