vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This incident happen in XX/XX/2017 and also one time over a year ago. I had a balance of less than {$50.00} with Macy 's Credit Card. I attempted to pay the full balance online and I paid either the payment due or the current balance. Even though I paid the balance before the due date I accrued less than 1 penny interest in the billing cycle and by the terms and conditions of the account was billed a minimum of {$2.00}. I complained each time and the store reversed the fee. I do n't know what would have happen if I would not have complained but most likely I would have continued to receive a fee for {$2.00} every month. 
The problem is that the minimum balance shown on the payment web page does not display 0 to 30 days of accrued interest and thus results in a {$2.00} fee even if a person selects the pays current balance option. The web pay system does not allow one to pay the {$2.00} fee in advance. My concern is that if this happens to other clients it may go unnoticed.

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number 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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reviewed my Experian credit file, I noticed many items that were inaccurately reported. I contacted Experian by phone to discuss the items and was asked to go on line to file a dispute for the items. I chose to exercise my right to file the dispute in writing. On XX/XX/XXXX, I sent a letter to Experian noting a few accounts, including these accounts : XXXX from XXXX and from XXXX XXXX. I sent this correspondence certified mail with a return receipt requested. I received confirmation that my letter was received by Experian on XX/XX/2017. I received a copy of my dispute resolution approximately 2 weeks later, noting these accounts were accurate and would continue to report. On XX/XX/2017, I contacted Experian to inquire about the disputes and about the way by which these inaccurate accounts were verified. I also asked for the documents in their file that were used for verification purposes. I begged them for proof. I asked the same questions after calling their office 2 times on XX/XX/XXXX, speaking to 2 agents and a supervisor named XXXX. She did not give additional identifying information. During those conversations, I was told that Experian does not maintain actual proof of verification for accounts, the way that they verified these accounts is by sending the account to the creditor and, in return, the creditor said that it is accurate. I was also told by both agents that there is n't any department or employee at Experian that has access to any such documents that were used to verify these accounts because they do not exist. Based on a 3rd party collection agency, without any documentation to provide to me, Experian closed my disputes without verifying the accuracy of the information. I was told by agents, and the supervisor named XXXX, there that they did not have to provide me with such proof & the creditor 's word was enough for them to keep reporting it unchanged. I was also told that I needed to get my own proof and I needed to contact the creditor. I 'm requesting the above named accts : XXXX ( both ) and XXXX be deleted ASAP since Experian failed to verify the accuracy of the information reported by their company in accordance with the Fair Credit Reporting Act. To date I have not been provided with any documented proof from Experian that these accounts are accurately 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
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.

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 2017-04-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Performant Financial Corporation
State: MN

Complaint narrative:
Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.

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 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared it.

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 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received an invalid transaction on my account. I contact the bank and vendor on the day the transaction showed in my bank account. I spoke with 3 different representatives at the bank. I provided the bank with all the information given to me by the merchant. The final representative was in the " card '' department stated that they were removing the transaction and I will not receive an overdraft fee. The next day I check my account and it has 3 overdraft fees and the invalid charge is still on my account. I contact my bank. The representative informed me there were no notes on my account indicating my call or complaint and there were no open disputes on my account for an invalid charge. I request a supervisor who informed me that they could do no more than their representative. I was then told all the charges will remain until up til 90 days. The supervisors are irrelevant and have no more authority than the representatives. There was no courtesy and I was basically lied to three different times. I received no assistance from the bank ; I was not awarded any temporary credit or charge removals for my inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My issue is with Transunion & some incorrect information that they are reporting in my file. They are reporting XXXX out of XXXX of my XXXX student loan accounts negative, when they all should reflect a positive status without any late payments. XXXX contacted each of the bureaus to correct my file on or around XXXX XXXX, 2017 stating that the late payments were an error due to me being in deferment. Transunion only updated XXXX of the XXXX accounts. Furthermore they are reporting a XXXX XXXX account that does n't belong to me. Transunion cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 'm attaching the letter from XXXX that I received which shows the information on all XXXX accounts should have been corrected & updated.

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 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: VA

Complaint narrative:
My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted from my report.

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 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am set up on a payment plan with a credit card. In XX/XX/2017 the lender decided that they were no longer accepting credit cards as a payment method. When I called to make the payment with the credit card they told me it had to be done on with a check or debit card because they were no longer taking payments via credit cards. When I asked if their was a notice sent out about this change they said they were n't required to send out a notice to their clients because it was just " a change in operations '' and that I should have been " grateful for being allowed to pay with a credit card for as long as I had. '' A notice would have been nice so I did n't have to default on my loans. I now owe {$2000.00} that I can can pay in a lump sum and the website does n't allow me to pay in increments until the entire {$2000.00} is paid in full. A notice prior to my payment being due could have avoided this entire situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2017 I called Wells Fargo Card Services to ask for a credit card increase. During this time I also applied with other banks and credit union. Those other company gave me credit and a personal credit. Wells Fargo declined my application. I have been customer of Wells Fargo for over 2 years only had one late payment have been paying my credit card on time. I ask for a XXXX increase because my credit score is way higher than two years ago. That how I know I can get the credit increase.

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 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your 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 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc.
State: KS

Complaint narrative:
I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
The debt for XXXX college through the collections agency williams and fudge has never been validated. This account has been removed and readded TWICE without any notice to me, as well as no validation of the account sent to me at all. The collection agency has my phone number, home address and email address and has never notified me of readding this account. I want this account removed for good and blocked from ever being readded as they have broken FCRA laws while trying to collect an unverified debt and ruining my credit worthyness under false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
charge for a service on my ( discover it ) card that was not provided was not refunded.

Company response to consumer: Closed with explanation