vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX . XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both Navy Federal and XXXX  of this- several times in fact. Despite providing FTC  Identity Theft Affividavits in addition to police reports ( yes, plural ), Navy Federal has not stopped reporting the address to XXXX. XXXX, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to XXXX  by Navy Federal Credit Union and XXXX continues to list the address on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
On XX/XX/2019 I as SunTrust customer made a complaint ( CFPB # XXXX-XXXX ) and another three written inquiries, three phone calls to SunTrust customer care and customer service regarding a illegal deduction of {$20.00} from my personal Advantage Checking account ending in XXXX on XX/XX/2019 stating XXXX XXXX monthly maintenance fee. I never received a letter from the bank until XX/XX/2019. This letter dated on XX/XX/2019 stated that my combined relationship balance fell below {$10000.00}. This conclusion was far from true. Actually my combined relationship balance was EXCEED {$10000.00} and was linked with a small business check account. According to SunTrust personal advantage checking account fee schedule : Avoiding monthly maintenance fee section - Maintain a Total Combined Relationship Balance of {$10000.00} or more linked across deposits OR Have a linked Small Business Checking Account. As I stated before I qualify both requirements. However this bank continue conduct criminal activities to deduct a second $ XXXX  monthly maintenance fee from the same account ending in XXXX on XX/XX/2019 stating it's XX/XX/2019 monthly maintenance fee. In early XX/XX/2019 SunTrust credit back one of the fee {$20.00}. I don't know why SunTrust continue to repeat same error which I seriously can't accept at all. See attached Avoiding monthly maintenance fee Schedule and SunTrust Response Letter on XX/XX/2019. At this time, since I already reported this criminal activities to the DC dispatch XXXX to ask Police Report, I am asking prosecution towards this banking perpetrator who repeatedly and illegally deduct money from my personal checking account. I also filed a claim to ask at least {$25000.00} damages toward this repeated threat to Consumer.

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 2019-12-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I am currently a pro se defendant in a lawsuit filed by an attorney claiming to represent PNC Bank, NA, as the Plaintiff in XXXX, 2019. This lawsuit filed against me is for the purpose of evicting me from my home of almost 15 years. I am a XXXX year old female, twice widowed with XXXX  adult children. 

I am a XXXX individual suffering from XXXX, XXXX XXXX   XXXX and an XXXX XXXX. I had been making progress with my medical team. 

I have spoken directly with PNC Bank on numerous occasions since the onset of this complaint filed against me. PNC Bank has repeatedly confirmed they have no records or information of ever having any mortgage with me for my homestead property. They have repeatedly confirmed ( after a thorough search of my name, social security number, and/or property address ) they have no knowledge of me or any purported mortgage with me. 

I have records and witnesses to these conversations with PNC Bank. I was informed by PNC during a phone call ( approximately one month ago ) that they would send me verification of this by mail or email but have not received anything. 

The XXXX XXXX of this situation has caused extreme worsening   of my XXXX. 

Obviously, this matter needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This is a medical debt, nearly 5 years old, by a local XXXX XXXX, for interpretation of an XXXX. Their charge in 2015 was {$390.00}, but because the XXXX XXXX had a contract with my health insurance carrier, that charge was reduced to {$220.00} which was my responsibility. The XXXX  XXXX XXXX A/R was purchased by XXXX who turned this over to MBA Law Collections Agency. I was unaware this debt was outstanding until my credit report monitoring service notified me of a negative posting by MBA Law and only subsequently did I receive a demand letter from them for {$390.00}. My complaint is with MBA Law : 1 ) MBA Law posted their collections action to XXXX  & XXXX  consumer credit reporting agencies before notifying me of their claim and giving me an opportunity to rectify it. 
2 ) MBA Law wants payment of {$390.00} but they are only entitled to payment for the original debt owed by the account Guarantor, which is {$220.00} due to the XXXX XXXX XXXX  contract with my carrier in 2015, XXXX. 
3 ) Despite an offer in writing to MBA Law to cover the full {$220.00}, I have not heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct.  Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2019-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

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 2019-12-02 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: PA

Complaint narrative:
I have an issue with experian. They are not updating my information and have items lingering on my report that are inaccurate and incorrect. I have asked for validation and verification and they have not complied with my written request but are still reporting the inaccurate information. I am making a formal complaint and would like this matter investigating accurately and resolved.

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 2019-12-02 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: AK

Complaint narrative:
I make an over payment of {$50.00} to {$100.00} per month. Then I started getting statements that read as this, example - received a statement on XX/XX/XXXX, You have {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I made a payment as if I had a payment due in XXXX to continue paying ahead. I received by XX/XX/XXXX statement. Again, {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I again made a payment as if I had a payment due for XXXX. I received a statement for XX/XX/XXXX, now it says I have a payment due {$230.00} due XX/XX/XXXX. I should be paid ahead. Are my extra payments going to principal. I feel that I am over paying and they are misrepresenting my money going to my student loan. I spent 45 minutes on the phone explaining this. He first told me that I was looking at the statements incorrectly. Finally at the end, he stated that my next payment isn't actually due until XX/XX/XXXX and he asked if I wanted my over payment to the principal. What is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: MI

Complaint narrative:
My XXXX credit card payment was due in XX/XX/2019, and I thought I had set up an automatic payment because I was going to be on vacation. I did not have great Internet service up north, so once I returned a few days past my due date I realized the money wasn't taken out. I then paid off the balance on the card and thought that was it. In XXXX, I found out that I had {$99.00} in only late fees on the account. I have no idea how this happened, or how this is legal or ethical. I tried contacting the company through their email system and was told they couldn't help. The person who called me was rude and couldn't explain how I was assessed so many late fees on a paid off account. I then tried reaching out to XXXX on XXXX. They were very nice and said it would escalate to corporate, but I have yet to hear back. When logging into my account I see 1 fee was waived, however that just takes away the fee that was assessed while I was waiting. My account still shows {$100.00} in late fees. I have always paid my account, so to have a company not want to work with a customer on an unintentional oversight is beyond me. How can 5 late fee charges be assessed on a paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX. 

Background : I have two loans with Sallie Mae. 

They have two separate payment amounts, x and y. 

I am supposed to pay " x '' and " y '' amounts. 

X and Y add up to 1000 dollars. 

Issue : I accidentally payed the XXXX dollars to just " x '' instead of XXXX to " x '' and XXXX to " y ''. 

Their was no system in place to check that I made this mistake. 

Not only did I begin receiving robocalls about a missed payment, I was charged a late fee that I was unaware of. 

How does a XXXX XXXX company fail to disclose that? Should that not be boldly displayed on their website when you are making a payment? 

Today on XX/XX/2019, after 5 years of being with them, I was made aware of a 5 % fee of whatever the remaining balance is in 15 days. Another disclosure that I was not made aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
We closed on a refinance for our loan on XX/XX/XXXX, and the loan funded on XX/XX/XXXX. At that time we had {$2400.00} in our escrow account. I have contacted the mortgage lender three times in regards to our escrow account refund. I have received different information during each phone call, and no one can provide me confirmation that our money has been sent to us. 
1st phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX and that I must wait 20 business days. No additional information was offered. 
2nd phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX ( different information ). They offered to stop processing on the first check and mail a new one. My request to send the check using a tracking number and XXXX  or XXXX service was denied, and I was told that is not possible. 
3rd phone call XX/XX/XXXX - I was told the second attempt check was sent on XX/XX/XXXX. I was told that it could have been sent with a tracking number with XXXX  with no explanation as to why I was refused that option the last call. I requested an email confirmation stating the escrow account refund check had been issued and was informed that the only confirmation was looking at my account activity on the website. Email confirmation was refused. 
Information during each phone call has been inconsistent. The company can not offer suitable solutions or explanations to resolve the issue. It has now been 46 days since our refinance funded to PennyMac Loan Services, and we have not received our escrow account refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened my account with TD Bank on XX/XX/XXXX because TD advertised a {$300.00} bonus to be paid within 95 days of opening if there were a minimum of XXXX in direct deposits. I direct deposited well over XXXX, and it was 95 days from the opening date on XX/XX/XXXX. I  haven't received the {$300.00} bonus. I contacted TD via their online messaging center and asked where is the bonus. " XXXX XXXX '' answered that it can take up to 145 days. This is ridiculous. TD advertised that the bonus would be paid within 95 days and it should have been paid within 95 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
My mortgage payment is due on XX/XX/XXXX. I received a bill on XX/XX/XXXX. I think this is an unreasonably short period of time for me to submit a payment especially given that XX/XX/XXXX was a postal holiday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I got a NASTY email from nelnet claiming that my payment was 15 days past due. First of all, I never got a bill in XXXX. Second of all, I've been paying more than the minimum amount due for 14 YEARS! There is absolutely no way my bill is ever past due considering how far ahead of my payment schedule I am. I should NEVER get another NASTY email from nelnet claiming my bill is past due. It is not!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX I sent a message to Chase.com on their website that the new credit card offer I responded to included a {$250.00} statement credit after first purchase. The credit card offer was posted on United.com. I was told by United that in order to qualify for this, I had to purchase airline tickets via another means and then apply for credit card and then United would issue a refund and then charge my Chase credit card for the airline tickets, in order to qualify for the {$250.00} credit. United said that the airline tickets would qualify for my first purchase. And, refund and charge to Chase credit card had to be done prior to flights. My flights are for XX/XX/XXXX. Once I was approved, I called United and they issued a refund and charged the Chase card for the airline tickets. The {$250.00} credit did not appear on my statement. This offer is clearly posted on United.com 's website. The response from Chase was that offers change on-line daily and that I was not entitled to the {$250.00} credit because that offer is not available. And, when I signed up the offer was XXXX bonus miles after spending {$10000.00} on purchases in the first 6 months from account opening. I have copied and pasted offer below from United 's website, it is still posted as I am writing this complaint.

Get rewarded UnitedSM Explorer Card Chase United MileagePlus Club cardApply Nowfor the UnitedSM Explorer Card *Offer Details | Pricing and Terms {$0.00} Intro annual fee for the first year, then {$95.00} XXXX bonus miles after qualifying purchases + {$250.00} statement credit after your first purchase*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a correspondence with Capital One Visa. I had a yearly user charge with apparent arrears and a charge on XX/XX/XXXX to a people search vendor. The card number was expired on XX/XX/XXXX. It was never activated with new card and card was never used. I was on the phone for 40minutes with 2 different people who could not figure out anything other than putting me on hold. 1. The charge of XXXX was fraud ... 2. How is charging yearly fee on a non activated card legal.. The call on XXXX started at XXXX went till past XXXXXXXX. I was on hold longer than actually having someone help ... Language barrier will also be an issue here ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
MR COOPER IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THEY HAVE NOT RESPONDED TO A QWR I MAILED XX/XX/2019. I ALSO REQUESTED PROOF OF CLAIM. THE LOAN WAS IN A TRUST AND CONVEYED WITH AFTER HE CUTOFF DATE OF THE TRUST. 

THE U.S. TREASURY SENIOR SPECIAL AGENT XXXX XXXX XXXX CONTACTED ME REGARDING NATIONSTAR AND MY LOAN HIS PHONE NUMBER IS XXXX OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: SC

Complaint narrative:
I reported to Experian that XXXX XXXX XXXX reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.

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