vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 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: FL

Complaint narrative:
Problem  with Experian.     Report Number :  XXXX  I have tried getting them to correct the information many times!     There are  XXXX   Student Loan  accounts that have already been removed from my   XXXX    and  XXXX  reports. They have been paid in full.     The date of first delinquency is  XXXX / XXXX /   10  and there has been no activity report since. I have reached out to Experian many times to try to correct with no resolution. Since it has been seven years. It has fallen off my reports with  XXXX  and  XXXX .     Experian has refused to address my queries and disputes.

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 2017-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc.
State: PA

Complaint narrative:
This was a XXXX amount owed for a XXXX. I paid the balance in full to XXXX XXXX XXXX. They are stating that I was passed due and they refused to take this off my account. They were also sending bills to my wrong address. They had my corrected address but insisted that I still lived at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have  XXXX  different FICO scores my bank is  XXXX   XXXX  is  XXXX  an d Trans Union  is  XXXX  this turns out to be a big difference and puts me below the  XXXX  because of  Trans Union w hy is there not a standard method for this use I called  Trans Union a nd they said they have their own way of calculating the score this seems really unfair any help would be appreciated

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 2017-06-01 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: NJ

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I receive d two snapshots o f my monthly statemen t. One advi sed that I owe {$160.00} by  XXXX / XXXX / XXXX  and the other statement advised that I owe {$0.00}. I called Navient because I continuously receive conflicting information. When I advised that representative that the statements are conflicting and that I was advised  by Navient through the CFPB that I am currently on an IBR with a $  XXXX  monthly payment he then advised that the {$160.00} were late charges. I advised the representati ve that I should not have accrued any late charges becau se Navient mi sapplied a payment back in  XXXX   XXXX  which resulted i n my credit score dro pping  XXXX  points. Navient reported to the credit bureau in error that I did not make a payment in  XXXX   XXXX  and had to research and attempt to fix m y credit score fr om  XXXX   XXXX  through  XXXX   XXXX .  Navient could not fix my credit score so they removed the tradeline and advised that my IBR is $   XXXX   monthly payment. Navient  was charging me a monthly payment and should not have been charging me based on my IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Direct Lending, LLC
State: NC

Complaint narrative:
We closed our mortgage wit h First Direct Lending o n  XXXX   XXXX ,    2017. The clos ing costs were {$800.00} more than we were told. We were told that day verbally we would get a check or direct deposit into our checking account. Then we were told in emails. We have not gotten  it. ( See Attachment A -  G. ) It has been very disturbing with all the excuses and time that we have gone through. Attached are those promises circled in red. We have made several calls and have written all the officers of the company and have not gotten any replies exc ept one which said we would be contacted within 24 h ours.   That was 2 months ago.     This process has time and energy draining as well as exhausting.   Thank you for your help.   Yours truly,  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CARD Corporation
State: GA

Complaint narrative:
My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Revenue Services called  me today, and when I told them I had the inability to pay until sometime next year, the lady 's ( she did n't give me her name ) response was " well, what I 'm going to have to do if you ca n't pay is report it to the credit bureaus. '' Then denied it was a threat. These rude and threatening tactics need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TX

Complaint narrative:
Problem with Navient - When I asked if I could make an additional payment towards the principal I was told NO - any payment I make goes right to the interest.     Also, I have an income driven repayment plan that I make every month and add more to it. When I received my last bill the interest charges was  XXXX  more than the previous several months.     I had to renew my IDRP ( which I did in time ) and even received the confirmation that it was approved. I was told by a customer service rep I did not file it in time. I told her I had the emails showing it was done on time. She said it was have to be transferred to another department and I would receive a letter within 7-10 business days, that was 3 months ago. I called this morning and they show no record of me calling them.     THESE PEOPLE ARE TERRIBLE ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, I currently own  a Barclaycard Mastercard Gold Card that is  part of the Luxury Card platform. I am also a  XXXX   XXXX   XXXX  service member. I applied and received the credit card under the  Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual  fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on  XXXX   XXXX  in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain  XXXX   XXXX  (   XXXX   XXXX   XXXX   ). This has put me in an extreme economic burden as a service member forward  XXXX  now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard  changed and did not grandfather me in as they said. Thank you for your 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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your 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 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
XX/XX/XXXX  - M y Milita ry   XXXX   direct  deposited into  my Rush Card account. On  XX/XX/XXXX  I logg ed on to check my balance and noticed transactions ( some pending, some completed ) that I did not recognize. I attempted to make contact with the company and resolve the issue. I could not determine the complete phone number of the merchant, so I contacted Rush card. I was unable to talk to a representative, just a recording that asked that I request a form be mailed out to me to report the fraud. I requested the form and then searched the internet and found a customer service email to report the unauthorized transactions ( emailed included ). The response was to call the  XXXX  number again. until I searched the internet and found an alternate customer service number. O n  XX/XX/XXXX , I  finally made contact with a rep, when I accessed my account to review the amount for the charge and the merchant, I discovered  XXXX  additional purchases totaling {$130.00}. The rep was unable to tell me how to resolve the issue, how to block the fraudulent charges or how to recover the money taken. I transferred my funds to another card and blocked access to my card. I contacted Rush card again on   XX/XX/XXXX   and was told by a rep that there have been  XXXX  additional charges that have been attempted to the card. Had I not taken personal steps to save my remaining funds, I would n't have any money left. It has been over 30 days and I have not received any communication or attempts to recoup the funds or replace my money taken by fraudulent means that I made the company aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  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 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: KS

Complaint narrative:
Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or  any mail to let me know this. The person I spoke to just gave excuses.

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Balance of  XXXX  public record was included in bankruptcy and should have never been 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