vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discovercard has taken a very long time to resolve a double charge on my account and they refuse to acknowledge the fact that I have already wrote checks to the in-home senior care company which they cashed, resulting in an overpayment made by me. The fact that they cashed three checks that I wrote to them has never been looked at, so the charge has remained on my account, even though it was never authorized by me. They are not listening to me when I call them by phone. I have already reimbursed the service provider from their " Mistake '' of charging me twice for the same horrible service, so why does the charge still exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I tried multiple times to put my account in economic deferment because i had no job. I was not able to. Then once i got a job and tried to set up so i could pay some money they wouldnt allow me to. Then they tried to garnish my check in which i tried to set something up again and they told me i couldnt cause wasnt with them anymore or something to that effect. But i didnt make enough money for them to garnish my check so they took my whole income tax check in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: EQUIFAX, INC.
State: WV

Complaint narrative:
On Tuesday, XX/XX/XXXX. I logged into XXXX XXXX to check my credit and found that it had dropped 31 points due to student loans. My student loans are not due until XX/XX/XXXX and currently in forbearance so there is no reason why my credit should have dropped 31 points. I called Equifax to find out why they dropped my score by 31 points and got a representative who told me that because I use XXXX XXXX to check my score I had no right to inquire on The reason why my score dropped by 31 points. I try to investigate on their website but it kept timing out and then said I feel the verification authentication segment. Ironically they drop my score 31 points and Im unable to dispute it right now and customer service wont assist me. If my loans are currently not past due and in good standing with XXXX  there should be no reason Equifax should be dropping my score by 31 points. The gentleman I spoke with with XXXX even said my loans were in good standing and not due until XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX. Just because you fixed it does not mean it did not happen. I demand Monterey compensation because I suffer from XXXX after being XXXX and had trauma after reading I was dead from your company incorrectly providing false information. This has harmed me mentally and physically along with financially! I will sue for {$1.00} XXXX dollars but Im willing to accept {$100000.00} thru the cfpb. Consider this mediation before I file a federal lawsuit for {$400.00} in the XXXX district of Missouri. Missouri law states I may claim money damages if anyone harms my report and you admitted to doing so. I dont accept your correction as the only form of resolution and if you dont pay me {$100000.00} a federal judge will look at these complaints after I file a motion of summary judgement and request {$1.00} 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 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I deposited money into the Chase ATM at XXXX XXXX XXXX XXXX in XXXX, IL. I do not recall the sum personally but my reciept says that {$50.00} dollars was deposited : Deposited cash : 3 x {$10.00} 1 x {$20.00} Totaling {$50.00} On XX/XX/XXXX, a debit posted to my account for an item that was posted in error on XX/XX/XXXX. It is completely unacceptable that they took away my money. I have a receipt for this deposit and proof that this is my money. The Chase customer service line has transferred me from department to department and I spent a total of over 3 hours on the phone with them. Finally someone told me that they have to do an audit on the machine and have no time frame of how long that will take. It is unnacceptable to take my money from me when I have proof that this was my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 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: NC

Complaint narrative:
I first contacted XXXX  and TransUnion in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked XXXX   and TransUnion to validate the information with XXXX and provide me with any documentation connected with the accounts. XXXX and TransUnion did not validate the alleged accounts which are showing on my credit report. XXXX and TransUnion repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that XXXX  and TransUnion provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that XXXX   and TransUnion delete the XXXX line items from my credit report. XXXX has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, TransUnion also has not fulfilled this request. XXXX and TransUnion unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against XXXX, TransUnion and 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 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I rented a house about 3 years ago. The previous renter was XXXX XXXX. Other than the initial changing of water services, etc. I've had no contact with him. A year or so ago, I began getting calls from a debt collector. When asked how & why they had my number, they told me they have to right to investigate & call his relatives & anyone who might know him- they found my number by the address & it did not matter if I was on the Do Not Call Registry. One evening a guy came to my home looking for him. This man was driving a tow truck, so we presumed he was there to impound a car. I know that the house was broken into when XXXX lived there. This feels like a threat to my property & personal safety at this point. These people continue to call me about every 2 weeks. I've gotten voicemails form " XXXX '' & " XXXX ''. I spoke to " XXXX, employee XXXX '' today, who refused to let me speak to a manager and hung up on me. I've XXXX  to them & got no response. When the calls from them increase, so do all Robocalls/texts. I feel that they are illegally sharing my info as a threat.

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I receive balance transfer checks from Bank of America all the time and have used these checks to pay off higher interest debts with interest free balance offers using these checks. In XX/XX/XXXX, I used one of these checks which offered 0 % interest until XX/XX/XXXX. I paid {$150.00} transaction fee to use this check, but I saw on my statement this month that I am being charged interest on the outstanding balance. 

I called BofA and was told that there is a new exclusion that you can not make the balance transfer check out to yourself. If this new rule was included in the offer letter, it was not clear or obvious at all. I have always made the balance transfer checks out to myself, deposited the check into my checking account and subsequently made payment to whatever account I needed to pay off. I have done this many times, but suddenly, they change the rules without making it clear. Very misleading ... and a financial burden. I've already paid {$150.00} upfront transaction fee, and now I've been charged {$75.00} interest just this month alone.

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 2018-06-14 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: FL

Complaint narrative:
In regards to : UNFINISHED BUSINESS ( Navient ) US DEPARTMENT OF EDUCATION, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for US DEPARTMENT OF EDUCATION to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: OH

Complaint narrative:
Paramount Residential Mortgage Group manager XXXX XXXX constantly bombarded me with the idea that he could get us approved for a mortgage with no problems. He initially gave us a preapproval for $ 300+.  Even after reviewing our information he said we would have no problem closing. Then he pawned us off on a young kid who literally did nothing for us. He never returned our phone calls, or to our realtor. He blew off my concerns and assured me we would close on time even though he was not consistent with communication. Nearing our closing date he told us we would not be able to close on the initial date we agreed upon. Weeks go by without communication again and finally he states my credit is no longer sufficient. This is after he does multiple hard inquiries! As it turned out, I paid a couple credit cards too early and they were considered not paid in the correct statement period. I contacted each company to resolve this on my credit and they agreed to do so. However, without my permission, Paramount decided to disclose my credit history to the sellers realtor and stated " I do not pay my bills, so find a new buyer '' ... Then they killed my loan. They also NEVER told me any of this, so I thought my loan was still in process! The sellers realtor let my realtor know via email the context of conversation between her and MY lender. I am now out {$700.00} earnest money, {$700.00} appraisal fee and the loss of the house and my realtors commissions. And the sellers in turn lost the home they were purchasing as well. 



Paramount Residential Mortgage Group - XXXX XXXX. 

Address : XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I recently checked my credit and noticed that XXXX is reporting inconsistent information with the 3 credit bureaus. On XXXX   they report that the first missed payment was in XX/XX/2017. On XXXX  they report the first missed payment was in XX/XX/2017. And On XXXX they report it was XX/XX/2017. I do not agree with that information it can not be factually accurate. They also report that i went from 30 days late to 90 days late in just 1 month that is also not possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. 

Government orders First National to pay more than {$35.00} XXXX - remember this? 
First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. 

The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. 

The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. 
Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices XXXX XXXX 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 2018-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX. 
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home. 

When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free. 

Because of this we had to pay XXXX in penalties to finance our new home. 

We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster. 

We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented. 

If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer. 

The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.

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 2018-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
Failed Bank Information for The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX On XX/XX/XXXX, The XXXX XXXX XXXX  XXXX XXXX was closed by the Office of the Comptroller of the Currency. The FDIC was named XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX acquired all deposit accounts. 
The FDIC as Receiver for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  has taken all actions necessary to terminate the Receivership Estate. The Receiver published a legal notice of intent to terminate the receivership on XX/XX/XXXX and has made all dividend distributions required by law. 
Effective XX/XX/XXXX, the Receiver was discharged and the Receivership Estate was terminated and ceased existence as a legal entity. 
Feds close XXXX XXXX XXXX  XXXX XXXX ; XXXX takes over XXXX XXXX XXXX is the 19th-largest bank in the XXXX XXXX area based on market share of deposits. It has {$2.00} XXXX in assets. 

Founded in XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX was the first nationally chartered bank established in XXXX   County. Led by CEO XXXX XXXX, it passed {$1.00} XXXX in assets in XX/XX/XXXX. However, the bank hasnt been able to maintain the minimum capital reserve required by regulators since the second quarter of XX/XX/XXXX. The Office of the Comptroller of the Currency officially declared the bank in troubled condition in XX/XX/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 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
This is a medical co-payment that was paid from 2012.

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 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The debt collectors have continusly harrased me with multiple calls per day, i have contacted them in regards to validating the debt on more then one occasion and i havent recieved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: CA

Complaint narrative:
RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX  XXXX XXXX.

Company response to consumer: Closed with explanation