vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: WI

Complaint narrative:
I received the following e-mail this morning XX/XX/2018 at XXXX XXXX  from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected. 

***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due. 

If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check. 

Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due. 

If you are having difficulty meeting your scheduled payments, you may be eligible for assistance. 

We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX  to XXXX XXXX  Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard. 

As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE. 


Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have disputed Toyota financial off of my credit report multiple times and they still have not taken it off. It has almost been on my credit for seven years and the amount due is not correct. I have spoken with the IRS and toyota filed a XXXX for in the amount of {$3000.00} back in XXXX which is a cancellation of debt which by law means the debt is forgiven. i wa=ant this removed, it is affecting my ability to buy another house, or get a car in my name. I spoke with XXXX ID # SIXW over at toyota who claims there was no form filed with the IRS, but when i speak to them they said it was filed back in XX/XX/XXXX and are mailing me proof of this XXXX form as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: MN

Complaint narrative:
I have tried on several occasions dispusting the medical collections account on Equifax. My recent results came back on XXXX XX/XX/2018 as verified this item belongs to me. This is the same response Equifax sends without actual validating that the account truly belongs to me. No validating information has ever been sent to me that this is in fact my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is pulling my credit, sometimes every other day. I don't seem able to cancel and make them stop. They are using various names : XXXX XXXX, XXXX XXXX Interactive, XXXX XXXX XXXX. This has negatively impacted my credit and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: AZ

Complaint narrative:
Experian is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. Experian removed it 4 years ago, and is not removing it this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a combined statement for a period for my Mothers account ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. There is a checking and savings account listed but no credit card. I also have a combined statement for XX/XX/XXXX to XX/XX/XXXX. It lists a checking account, savings and a credit card ending in XXXX. I did not notice this until I went through the few hardcopy statements I have a few days ago. 
Since around XX/XX/XXXX and I was listed as POA, all statements or any mail from Wells Fargo was addressed to me or my Mother at my Tennessee address. There were never any credit cards sent for XXXX. At this point of time my Mother was having a lot of problems and we had to hire a neighbor so stay with her at times to make sure she ate something in the mornings or evenings and sometimes just to stay with her. My Mother was hospitalized XX/XX/XXXX at XXXX XXXX XXXX in XXXX. She would not have been able to request the card at the time in her condition. 
I understand that there were many accounts set up by Wells Fargo without the owners consent. This appears to be one of them. My concern is why was I not notified. It's to late to be a part of the class action.so what do I do. Is Wells Fargo off the hook for this or can the ignore it. How many other accounts were missed. I am expecting an answer from Wells Fargo.

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.

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 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMS Inc.
State: NJ

Complaint narrative:
They contacted my work phone number when i would't answer my cell phone for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: A & O Recovery Solutions, LLC
State: AZ

Complaint narrative:
XXXX  is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. XXXX   removed it 4 years ago, and is not removing it this time.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/2018. I made at {$310.00} payment and on XX/XX/2018 I made {$210.00} payment and they said I never made a payment on XX/XX/2018. My bank statement says I paid it. Then when I call them they called me a lier. And other names. Even there statement I got on XX/XX/2018 says I made it. They want me to call my bank at XXXX XXXX to get my money they stole .i even sent them from my bank my bank statement and they still say I didn't pay even though it was on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: GA

Complaint narrative:
I filed a bankruptcy in XXXX. I included a mortgage with XXXX XXXX Bank in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  properly updated the record. But Experian simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law.

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 2018-08-07 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have a paid collection account that was closed on XX/XX/XXXX from the Department of Veterans affairs on my Experian credit report that's showing a " failed to pay '' as of XX/XX/XXXX. I disputed the account in XXXX, XXXX but wasn't successful. I contacted the creditor ( Veterans Affairs ) in  late XXXX, XXXX to see if they could send my account information to Experian to let them know that the account was closed and paid in XX/XX/XXXX, the creditor sent the information to Experian and that was unsuccessful. The original amount was {$460.00}. not including the penalty. The amount I paid was {$600.00}. 

When a dispute is filed, Experian updates the " failed to pay '' as failed to pay XX/XX/XXXX, failed to pay XX/XX/XXXX and so on.

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 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have both a private loan and federal loans serviced thru Navient. In late May we sent in a payment to pay the balance in full for both the private and federal loans. The check was sent in one single payment and was only applied to the private loan leaving a negative balance on the private, while the federal shows as unpaid. Since XX/XX/XXXX, I have been in constant communication with Navient trying to resolve this issue. Several times they've stated they would correct the issue, but it never goes resolved. The payment is still showing on my private loan while negative balance while negative credit activity has been reported to all credit bureaus. I've spoken to supervisors on both the private and federal sections who both stated 1 ). the money will be transferred to my own checking account so that I can go and make the payment myself. 2 ). they will do an internal transfer from both account to take care of the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
They contacted my work phone number when i would't answer my cell phone for them.

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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I purchased a home appoximately 9 months ago with less than 20 % as a down payment, so private mortgage insurance ( PMI ) was included on our monthly bill. Our loan was purchased by Chase mortgage, and is invested by XXXX XXXX. We now have the funds to pay off the loan-to-value ratio to less than 80 % which should result in PMI termination per the Homeowners Protection Act ( HPA ). However, Chase Mortgage via XXXX XXXX has imposed " seasoning '' requirements which don't allow PMI to be cancelled during the first 24 months of mortgage unless significant home improvement projects have been undertaken and the new value of the home assessed via BPO. I don't believe this " seasoning '' mandate to be in allignment with the HPA. I have called Chase Mortgage multiple times, and filed a dispute which was sent to an escalation manager. However, I was told that XXXX XXXX is the party that sets the PMI removal regulations and that Chase Mortgage could not assist me in removing PMI unless home improvements were undertaken. Per the HPA, these " seasoning '' requirements seem to be at odds with current legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
On XX/XX/18, Navient approved my ibr repayment, increasing my payment by over {$30.00}. I contacted them to understand why my payment had increased when XXXX had decreased my payment due to my change in income. I was told to resubmit my paperwork, the third time I had done so, including my new paystub. I had sent this information to them one month previously. I then had to agree to go into forbearance for them to reprocess. I was contacted on XX/XX/XXXX with the exact same amount due as they previously had calculated. Everything is identical to the previous claim. 

It doesn't make sense that one servicer took my financial information and determined a lower payment and then Navient takes this identical information and determines that my payment should increase. I have contacted them via phone and email and received zero help from them, just a run around and then an offer to voluntarily go into forbearance so that they can resubmit my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a checking account at Wells Fargo bank and on XX/XX/2018 I make ATM deposit of {$1000.00} Money order from post office. The same day I realize that the online balance show {$100.00} deposit instead of {$1000.00}. The same day I called customer service of Wells Fargo bank and let them know that my balance doesnt reflect the correct amount of the deposit. Now one week later I called Wells Fargo bank and they say that the investigation is going to take 10 days. 

My question to you is : Can banks take whatever time they say to take a look of checks or money order deposits and correct the amount.?

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They still haven't deleted the old address. I have been a victim of fraud in the past and people using my information before.

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 2018-08-07 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone fraudulently collected {$290.00}, {$400.00}, & {$200.00} using XXXX banking application out of my Bank of America account, on XX/XX/2018 at approximately XXXX. 
I immediately contacted the Bank of America fraud department. The representative I talked to explained to me that it would take them 10 days to investigate what had happened. In the meantime I am left with a negative balance and it's up to me to put money into the account when I had {$950.00} before the fraud. 
XXXX does take any responsibility for the fraud and simply deleted my profile as I asked them too. Bank of America advertises XXXX services on their website, yet XXXX is not a secure bank app. 
I hold both XXXX and Bank of America responsible for what happened to me. 
XXXX should be willing to check into the matter and Bank of America should not recommend fraudulent banking services.

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 2018-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.

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