vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: NC

Complaint narrative:
On XX/XX/2019 TWO Service Finance Payments were taken out of my XXXX XXXX Checking account ; only one was authorized. Due to their double billing, I was charged {$74.00} by the Bank for an overdraft charge which Service Finance has been unwilling to pay. I called immediately after seeing the double charge and was told by a Service Finance representative that I would receive a REFUND check in the amount of {$230.00}. When I called the following Friday to check the status of sending the check, I was told by the representative that management had changed their mind and decided not to send me a refund check. I had them on speaker phone and had a witness when they said management admitted it was their fault but would not be sending a check. I later heard from a XXXX XXXX that the representative misspoke and said I only have 2 choices and that is to apply it to the principal or they would hold it as a courtesy ( some courtesy I told them for creating multiple problems and giving false promises out which are ORAL Contracts and VALID in the state of North Carolina. ) I told them to HOLD the money and apply next month but that did not release them from owing me {$74.00} for restitution. Several conversations went back and forth and then XXXX said it was a closed issue and he would not discuss it further. I have this in writing. Recently, XXXX asked for additional statements from the bank and overdraft letters as the audit department would not accept any of the screenshots I had produced. I gave them what they asked and he wrote back that he reviewed the documents but still held to the fact they were not going to pay out anything. He is attempting to blame me and said I entered the information of my routing number and checking account number within the 2 minutes apart of the transactions. I have been in XXXX XXXX for 35+ years and know that some incidents are not widespread and can be singled out to a particular account. I feel he is being discriminatory toward senior citizens and attempting to make me say something that is not true. I did not enter the transaction to be paid twice. The VP that gets involved will not even reveal his name or position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have a car loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 90 days late payments. There was an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
my complaint is that I am buying shares from a company in XXXX ( XXXX ) and I live in XXXX. the bank is in XXXX. 

I have called many times to complain that they are stopping the payment through my XXXX account to buy the stock. it is anywhere from 10 to sometimes as much as 300. 

I have called them over 20 times since starting to buy the shares ( almost XXXX ). and many times they stopped the payment to the XXXX account. or even sent emails notices that there is a security problem in my account ( XXXX-XXXX-XXXX ) and now today I get still another email that there is a security concern with my credit card. I called them still again and I told her I did not want to speak to people just going over a scrip but to a manager. She put me on hold and no one ever came back on line and it 'timed out '. 

This is unusual for this but I know they have clients all over the world. so, why is this such a Hugh problem for them to correct?!?!?!? 

I have called every time and still the problem exists. the USAA bank in XXXX XXXX is not really doing anything for my problem. with more than 15 times calling over a few months is just to much to take now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have a Bank of America checking account and on XXXX I got an email around XXXX saying my debit card was deactivated and a new one sent. I was out of town on business and the bank just decided that since the purchases werent being made near where I usually live it must be fraud. I can understand this if the purchases were out of the country, but usually if there is a question as to the validity of the charges I would at least be contacted first, or a hold put on my debit card. Instead some XXXX XXXX decided that I have to have my card cancelled and I was in a location where no local branches existed, so I had no way to actually get a cash withdrawal. This is some really XXXX XXXX and it makes no sense why any bank would just cancel your debit card without at least trying to verify the charges with you first.

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 2019-05-08 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with Wells Fargo. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no 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 non-monetary relief
Consumer complaint received 2019-05-08 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 have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX   balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, TransUnion and XXXX  to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around XXXX to around XXXX on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around XXXX. This is now a huge problem because my husband and I are trying to buy a house and his score is around XXXX. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. XXXX XXXX has been no 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 explanation
Consumer complaint received 2019-05-08 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: NC

Complaint narrative:
I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX  balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to Experian, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no 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 non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 I sent a certified letter to the company, requesting the account to be verified and validated but the company failed to do so. They failed to send any proof that the account belonged to me. No contracts, no fee explanation they failed to send anything at all in regards to this debt of {$250.00} said to be owe to ( Credit Management ) XXXX XXXX dba XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I used to bank with mt and moved so I closed my account I tried applying Online and failed the identity check I go to the branch I was treated horible and they refused to open me an account blaming XXXX and was told to call them I did and they said I dont have anything the bank is crazy and they treated me horible after being a loyal customer I dont understand why they treat me like this horible attitude the banker I spoke to treated me horible

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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Few years ago I opened a checking account and after three days they closed my account. 
Now I am applying again but i got rejected right away. 
No information was relayed on the reason why. 
I know I complained before about my social security number being mixed with my father because of the same first and last name. 
I think they are punishing me for this complaint before. 
I think it is unfair and discriminatory on their part.

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 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
On XX/XX/XXXX I requested cancellation of PMI ( I called several times within the last 2 years to request but was told I was not allowed to request this ). This time I stated by law that I was allowed to request cancellation. I received my denial letter, but I have read the homeowners protection act, and I don't feel that legally they should be allowed to continue to force me to pay PMI. I was first time homebuyer, and I assumed that it would go away once I reached below 80 %. 

My home is valued at {$150000.00} by the county and my principal unpaid balance is {$59000.00}, and I have been below the 80 % for quite some time. I have looked into refinancing my home, but the interest rates have risen, and combined with closing costs, this would cost more than continuing to pay PMI for the life of the loan. 

Everyone I have spoken with regarding this had never heard of PMI for the life of the loan, and I feel this should have been disclosed to me at closing, but was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: AL

Complaint narrative:
My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. 
I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing 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 2019-05-08 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: TN

Complaint narrative:
I have a late payment on my Equifax from a company called XXXX dated XX/XX/2016. My loan was sold from XXXX to XXXX. I switched all my payments over and was never late or delinquent on any payments. XXXX reported to my credit that I was. I have a letter dated XX/XX/2016 from them saying it was reported in error and should have been removed in XX/XX/2016. It is still there and I am now unable to get preapproved for a new loan. We have sold the property associated with this original loan and the it is 100 % paid off, and shown accurately on my credit from XXXX. Ive been in communications with XXXX and Equifax and nothing has been resolved. Each company is blaming each other. I have been battling this for three years. I dont how to resolve this problem at this point. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In XXXX and XXXX of 2018, I called one of my creditors which is Capital One.

I was trying to catch my payments up. And as much as I care about my credit. I called Capital one to ask them what will be the minimum payment I need to make before it goes into a 30 day late. For both months I called in, I asked the same question. And for each month they gave me a amount. I made those payments. Came XX/XX/2018, I realized when I go to check my credit, they had both XXXX and XXXX a 30 day late on my credit. I immediately started to contact them about that and told them that was incorrect. If I'm not mistaken, when I called the in one of the Reps told me that It was a different amount that was needed, and not what I paid. I told them I paid what was told to me that was needed to be paid. I asked them on several attempts to check for the recorded phone calls for both months. I've sent letters, over and over again in my defense and they refuse to check the the phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. 
The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX   claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. 

I have called XXXX. XXXX  numerous times and they tell me someone will call me back but they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have asked several questions as to why the amount of payments applied to interest and the principal are so close in amount. I would expect 1/3 of my payments to be applied to interest and the most to the principle. Also when I subtract the amount of money applied to my principle from my principle balance, the totals are not true. I still don't understand where my payments are going. I was paying a little extra every month and this money seemed to create fees? I don't understand. 

I have contacted Nelnet several times. However most of my messages have been deleted from the server. 

It took my a month of back and forth the have them remove a late payment that never happened in order to qualify for income assistance. Then they " approved '' me for an amount equal to what I was already paying. Which is different from what a representative even quoted over the phone to me. 

I should have paid at least one loan completely by now. The fact that I still have 2 loans is intentional by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I paid off my XXXX XXXX XXXX Mastercard ( card ending in XXXX ) balance in full in XX/XX/2018. I noticed charges on my account afterwards and I contacted XXXX XXXX to dispute the charges. XXXX XXXX closed my account ending in XXXX and mailed me a new card ending in XXXX. I wasn't using the new card and did not receive notifications as I had set up under the card ending in XXXX. Nor did I receive a statement from XXXX XXXX regarding showing I had a balance on the account ending in XXXX. XXXX XXXX started reporting I had missed a payment on my credit card in XX/XX/2018. This is the first time I became aware of this. I've been contacting XXXX XXXX since XXXX and to no avail has this issue been resolved. They told me I had a balance that carried over from my previous card ending in XXXX which I know isn't true but customer care isn't able to see what those charges are. I was transferred to Fraud Investigations twice and still this isn't resolved. I'm in the middle of buying a home and because of this derogatory mark on my credit I've already had another creditor drop my credit card limit from {$7700.00} down to XXXX. In addition, XXXX XXXX   XXXX dropped my Mastercard credit limit from {$2400.00} down to {$200.00}. This is my final attempt to rectify this issue before I pursue legal action. Fair Credit Reporting is not being done on my behalf and there should be a special process when Fraud has happened on an account so that it doesn't impact other credit cards. I close on XX/XX/XXXX and if I'm not able to close my loan due to this issue I will be pursuing legal action. 

Thank you!

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