vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: GA

Complaint narrative:
My Subsidized loan from XXXX bank is serviced by XXXX XXXX XXXX and recently transferred to Great Lakes. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to Great lakes without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with Great lakes upon transfer I was unaware I was missing payments until I was 3 months late. Great lakes has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted Great lakes and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: AZ

Complaint narrative:
Navient Constantly miss places my documents and in the mean time they wo n't help me to lower my payment and will not help with anything. The only thing they said they can help is to put it on hold but in the mean time my interest rate just adds up making my loan almost impossible to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After contacting Transunion this morning and contacting them after being a victim of the inquiry issue they had they werent helpful in correcting their mistake and following the legal procedures. I have multiple inquires that were removed and added back after their " glitch '' which is illegal. I want these handled asap. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/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 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: U.S. BANCORP
State: GA

Complaint narrative:
My Subsidized loan from US bank is serviced by XXXX XXXX XXXX and recently transferred to XXXX XXXX. 

My interest rate with XXXX was 1.25 % with incentive program utilizing direct draft with on time payments for XXXX years. My loan was transferred to XXXX XXXX XXXX XXXX without notification from XXXX by email or by letter correspondence. When I spoke to XXXX they told me they did not have any way of verifying a letter was sent. 
Because my direct draft was not set up with XXXX XXXX upon transfer I was unaware I was missing payments until I was 3 months late. XXXX XXXX has now removed my incentive and my current interest rate is 2.87 % because of delinquent payment. 
Once I realized what happened I contacted XXXX XXXX and made payment in full and set up direct draft. However I was told that I was no longer able to receive any incentive and my interest rate will stay at the higher rate. 

I feel this is considered student loan consumer fraud for service providers to transfer loans back and forth knowing that a few consumers will not recognize the direct draft is cancelled and allowing the new providers to charge a higher interest rate for failure to make payment. In my case more than double.

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
My wife and I obtained a vehicle loan through Fifth Third Bank in 2016 for the purchase of a XXXX XXXX XXXX. In XXXX 2016, I set up auto-pay with Fifth Third so that our monthly payments would automatically be paid. This was set up directly with Fifth Third, not through our own bank.

Since that time, I have had to set up Auto Pay three more times, but they keep missing payments, or applying payments late through their own system. To rectify the situation each time, I have to call Customer Service, who has told me every time that I am enrolled in Auto-Pay and they do n't know what the problem is ; then I have to call Auto-Pay, who also says they do n't know what the problem is.

At this point, I have spent at least three hours on hold with Fifth Third trying to get late fees and penalties removed from our account ( I am actually on hold with them right now ). 
They have stated several times that I am a month behind, so I have made manual payments over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Hauge Associates, Inc.
State: AZ

Complaint narrative:
XXXX XXXX, 2014 HAUGE ASSOCIATES I was going to school for one year at Iowa XXXX before I decided to change direction career wise. I had thought that through XXXX Grants and my XXXX that my student loans were put together for me to track, this balance showing on my credit now for 3 years, of {$1000.00}, I have no knowledge of whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: MD

Complaint narrative:
On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

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 2017-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay. 

XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.

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 2017-10-17 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 HONDA FINANCE CORP
State: NJ

Complaint narrative:
american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hi.I made a clothing purchase with XXXX XXXX, who then offered a line of credit through XXXX XXXX. Three days after receiving the clothes, I returned to XXXX XXXX for a full refund. XXXX XXXX denied receiving the return. Finally, after a few months and many phone calls and documentation, they agreed it was returned and promised to take the charge off my account, from day one, through XXXX. They also told me to call XXXX to give them an update and to waive late payments/finance charges and said they 'd do the same. I did just that and XXXX rep said it would take 3 days, but they would note it and wipe out the balance on my account. 

This did n't happen and I continually get hounded by XXXX for late fees and finance charge on an account that had a balance for 3 days. I 've talked until I 'm blue in the face and have provided documentation, but they will only erase one month of late fees. Keep in mind this is all over a {$120.00} original purchase and I 'm now in over in {$60.00} in fees from the bank. The supervisors I talked to today ( XX/XX/2017 ) at XXXX are employee number XXXX and her supervisor # XXXX. They are adamant that I owe them late fees plus finance charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

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 2017-10-17 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: AR

Complaint narrative:
I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.

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 2017-10-17 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 complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.

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 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

Company response to consumer: Closed with explanation