vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Oh XX/XX/2019, I notice incorrect information oh my Equifax credit report I immediately called Equifax at XXXX numerous of times but to no avail Equifax stated this account belongs to me and would remain on credit I repeatedly stated I know nothing of this collection, I ended the phone call and immediately call XXXX County Sheriff Department, A police report was file " Fraud '' case # XXXX Investigation is underway for Fraud 3degree felony Duty XXXX XXXX # XXXX. This fraudulent remark on my credit Report cause me 79 points,. I have called Equifax over 30 times within the last 2 weeks but to no avail.on XX/XX/2019 the fraudulent account was removed from my Equifax report but remarks caused by the damage of the fraudulent account, loss of 78 points were not and still have not been replaced. XXXX investigator XXXX XXXX Ph # XXXX after her investigation draw conclusions that I had nothing to do with this nor am I in their system 2 ever had applied for a loan accepted for a loan no delinquent on a loan, XXXX XXXX XXXX Ph # XXXX supervisor XXXX XXXX stated that he pushes the account some XXXX   XXXX stated untrue.. somehow Equifax damaging my credit through a fraudulent account r refusing to make it right and put it in the same status it once was before this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I've disputed this alleged debt this year and last year and it was proven that I wasn't responsible for alleged debt. The debt was deleted but it seems like the debt was in a portfolio of debt. I'm tired of being taken advantage of and now Ive obtain counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to help me resolve the matter

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
My mortgage company will not answer phone calls no matter what time of day. On very rare days that I am able to speak with an representative their never able to answer any questions from lack of knowledge, i guess. I'm on hold for long periods of time and still in able to speak with an representative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom It May Concern, I'm writing because since Navient took over my student loan, I've been having a problem receiving my monthly statement. When they took over my loan, they wanted me to convert to an online payment system, but I said I wasn't interested. What started happening soon after was that they would occasionally not send me a statement. This happened several times and I would wind up paying the amount owed, plus a late fee. When I would call, no one was able to explain why I wasnt being sent a monthly statement. 

In XXXX of this year, Navient, without warning, stopped sending me a statement altogether. Months went by, and still no statement. During that time, I made several calls and whenever I asked why I wasnt receiving a monthly statement, no answer was given. During that same time, I also received several emails from Navient in which they were requesting payment. I tried to respond to their emails, but I was unable. Every time I would respond, my email would be returned unread. Because the service at their customer call center is substandard ( the last time I called I was left on hold for fifteen minutes and I hung up ) I tried to find a valid email address for Navient on their website so that I could explain my situation in writing, but I was unable to find a valid email address. Its possible I just didnt see it, but I dont think so. With any major company, you can go on their website and find their customer service email address in seconds, but not Navient. Why thats frustrating is because at this point, I have no way to verify that I have been contacting them in an attempt to rectify this matter. 

After reading about all the lawsuits that have been filed against Navient for taking advantage of their borrowers, the late fees they've manufactured against me seem a lot less shocking. At least I can take comfort in knowing it's nothing personal. On my last phone call with Navient, I said I would pay them everything I owe in full that day minus the fees which were accrued through no fault of my own. Navient did not accept that offer. A few weeks ago, I received a letter from Navient where they claimed that I opted to receive my monthly statement via email. I assure you that that is not true. At no point did I ever opt for a different payment method. 

I would appreciated it if you could look into this matter and possibly help me reach some sort of agreement. Im pretty much at my wits end with this company. Any help you would be able to provide would be greatly appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I applied for a refinance on a XXXX dollar loan they ended up changing it to a payday loan ended up getting XXXX hundred more with a outrageous interest nothing of the sort was indicated at the time of application I called to cancel the additional amount added to the loan they told me I had to pay the total balance in full in order to cancel the contract there was no cooling off.All the loan amortization was after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: National Budget Planners of South Florida, Inc
State: CT

Complaint narrative:
Trying to call XXXX student loans from a number online from XXXX search : XXXX, I reached National Budget Planners who did a great job of pretending to work with XXXX  on behalf of the Department of Education. This guy accessed my private student loan information and I later learned he accessed and changed my FSA ID without my permission through an email I got after the call from the US Federal Government. 

This is his info : Revised Pay As You Earn ( REPAYE ) You will pay a total of {$190000.00} over 300 months {$240.00} + $ XXXX/month  ( 11 Months ) XXXX XXXX Student Loan Counselor National Budget Planners Phone : XXXX Ext. XXXX Email : XXXX Doing some research I learned they are part of XXXX XXXX XXXX, and will identify themselves as XXXX XXXX**** as well as National Budget Planners. They are smooth talkers, know the sales jungle to try to convince you they are legit, but all research points to illegal debt collectors who will take your money. He said he would help me consolidate my loans for $ XXXX/month. I declined as I have worked in XXXX several years and wanted to do research on this company first!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently opened an account with Santander bank. I deposited a check in the amount of {$29000.00} into my account on XX/XX/2019. I called on XX/XX/2019 to check the status of my check deposit and I was informed by customer service that my account if frozen because of a large deposit. So I was transferred to the fraud department and the rude lady told me my check can not be verified and I should provide a phone number for the issuer. Meanwhile the check had been debited from the issuers bank for that amount. So I did provide the number for the issuer of the check and I was still told that it will take about 5-7 days to call the issuer to verify the check and if they cant verify with the issuer, the funds will be held for over a year and then be returned back to the issuer bank. Later the next day my online access was locked and I was told there is nothing they can do because the other paying bank which is XXXX  XXXX  told them they are going to delay the release of the funds from their end. Meanwhile XXXX  XXXX  asked the issuer to go into the banking center to verify the check with a personal banker which she did on XX/XX/2019 and still my funds and account is frozen. I am been treated like a criminal just because I deposited a large amount into my account. The check was issued legally and there is no reason for me to be targeted and treated this way.

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 2019-12-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Sometime in 2016 I had A Credit Card Account with USAA. I Paid The Card Off And Closed the Account. USAA Is Reporting To XXXX  That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX  That The Account Was Closed At Consumers Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: NY

Complaint narrative:
I am submitting this complaint about transunion credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my transunion credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with TransUnion and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with TransUnion. This is a circle and Im getting nowhere.

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 2019-12-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX  credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX  told me I need to clear it with XXXX. This is a circle and Im getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with XXXX. This is a circle and Im getting nowhere.

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 2019-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
We have experienced several issues with this lender mostly with communication and customer service. Not being able to contact is the closest choice to what we are experiencing which is complete frustration. I am extremely busy with a very demanding full time job. I took out two rather small loans last winter with the help of my wife 's research online. One with this lender and another. We are having no problems with the other lender who is very easy to deal with. This lender has nothing but frustrating policies. They will not talk to my wife even with my permission. In the beginning when my wife tried to call, even after I got on the line to give permission, they gave her a hard time and when I emailed the to tell them I want my wife to be able to speak on all matters they refused unless I completed some notarized papers that I have no time for. The other lender has no problem speaking with my wife after I gave this permission over the phone, once when we took the loan. Upstart will not even let my wife call to make a payment! All reps just repeat the same boiler-plate statement that they can not disclose any info. She is not asking for info to be disclosed in any way. She just wanted to make a payment. She can't even do that. Then I wanted to change my email and emailed them about this at least four times if not more. The customer service department keeps insisting that there is a link on their website to do this. The same person has been answering our emails since early XXXX. We tried over and over and there is no link for this. It leads us to a link to change our password. An arrogant customer service rep in Upstart operations actually told us tonight that the case is closed and they have answered us! I am fed up. this is the worst company to deal with. In the beginning right after I took this loan out they accused my wife of trying to call up and impersonate me. Even a supervisor accused her and it was finally investigated and after pulling the calls they admitted that she never did! What is this? The treatment is awful. I will never take out another loan with this lender and I want this known.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: FL

Complaint narrative:
Sometime in 2016 I had A Credit Card Account with XXXX. I Paid The Card Off And Closed the Account. XXXX Is Reporting To Experian That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX That The Account Was Closed At Consumers Request.

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 2019-12-14 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
SYNCB/PPC -I do not have an account with this company, my credit report says charge off of $600.+ after account opened inXX/XX/2019. This is fraudulent.

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 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I made I purchase online for an electric car. The website was https : XXXX. The amount of the transaction was {$160.00}. After the transaction, I was supposed to receive a confirmation email with the transaction ID and other information, but the email never arrived, and after three days of waiting, I tried going to that website, only to find out that it no longer was available. 
I created a claim with my bank ( Bank of America ), and I received my funds the next day while they investigated, and after some time, I received a notice that the funds which were given to me were debited from account due to the bank of the seller refused to return the funds. 
I was informed by the fraud department of BOA that in order for me to win my case was to take the seller and his bank to small claims court, except that would be impossible since the seller and his bank is in XXXX, and also unable to be located.

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 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Had to call around to find out what it was that pop up on my credit and they said its money owed to them by me. I do not owe this company or their creditor any money. fraud charges were made on my account. I have directly requested from this company physical proof that i owe the amount displayed on my credit file from this negative account. This company could not provide any documents to prove this account or a contract with my signature binding me, them or the creditor.

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 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with XXXX  today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
MoneyGram is a fraudulent operation, thus beware, you might lose your money. I attempted to send US {$550.00} to my recipient in XXXX on XX/XX/2019, but no money was delivered on the other end even though the funds were withdrawn from my bank account immediately. I am now chasing that money to try to recover it somehow, as crooks operating MoneyGram are giving me the runaround by bouncing my calls to multiple numbers in different countries, some of which are never answered. I initially called their toll free number, the call was picked up in XXXX, and I could hear farm animals in the background while a peasant transferred my call to yet another country, seemingly in XXXX XXXX, so I would have the pleasure of speaking to a rude individual who barely spoke English. I am nearly certain they have no intention to refund the money they scammed from me. So don't trust MoneyGram, it is a very shady operation, it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have one Barclays Miles and More card and am eligible to earn Miles and more reward points on this card. To keep my rewards from expiring I need to use my card regularly - earn points for using the card and keep my reward points active. Inspite of me having a transaction done on XXXX XXXX that earned me XXXX points, my XXXX points expired. I tried connecting with the bank and miles and more customer service in XXXX when my points expired and was promised that the points were be reverted. However till date ( after multiple follow-up ) the bank has not credited the points back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief