vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.

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 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CO

Complaint narrative:
On XX/XX/XXXX we closed on our home in XXXX XXXX, Ohio. At that time, our title company paid our XXXX and XXXX taxes to XXXX XXXX, Ohio. On XX/XX/XXXX First National Bank of Pennsylvania also paid our XXXX taxes in the amount of {$2400.00} to the county. 

To resolve this overpayment of taxes, I attempted to call the bank multiple times, leaving a message with no return phone call. I was able to speak to someone in the mortgage department on XX/XX/XXXX, but was directed to call the title company instead. During the phone call, the mortgage company did confirm that they paid our XXXX taxes on XX/XX/XXXX to XXXX County. 

Upon speaking to the title company, they confirmed that their check was cashed, so it was the responsibility of the mortgage company to reach out and ask the county for a refund. As of XX/XX/XXXX I have been unable to speak with anyone in the mortgage department. I left a message on XX/XX/XXXX and XX/XX/XXXX. I have also reached out to our original loan officer, who  directed me back to the mortgage department. Additionally, I have sent emails to their customer service department and leadership email listed on their website. 

It has been 41 days since our home has closed and we have yet to receive any of our escrow account funds or documentation from First National Bank of Pennsylvania. Nor have we come to a resolution on the overpaid taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX. 

For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts. 
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX. 
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX. 
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: EQUIFAX, INC.
State: IA

Complaint narrative:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Well hard to describe specifics but for example Sence I never get the correct information from the bank phone or the branches I am told by bank phone to visit a branch to get help to get my account service when go to branch they refused to help me with no explanation and when I confront both one saids I don't know why they told you this and that and I get that same answer or excuse from both ends blaming each other but I catch my self going in circles and doing what they ask me to do believing they are going to help me and never get help and answers I need I fill like a puppet other words like they are playing a game with because it had happened very many times I drive far to visit a branch I spend gas money that I don't have and time and effort and I keep telling them how hard it was for me to visit a branch and they still continue to do it and I still haven't gotten the assistance that I need when complain about it some agents laugh at me like is funny and I have lots more to discuss but is to much I need to speak to someone to express all complaints is to much to write I can write a book about 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 2018-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was setup to get my loans out of Default with Navient and after the final payment on XX/XX/2018.  I was informed my loans would be moving from them come XX/XX/2018. My loans are still with them. I called them on XX/XX/18. I was transferred to 8 different departments and no one could provide me with my loan information and where it is currently at.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in response to Wells Fargo response to complaint # XXXX and XXXX signed by XXXX XXXX on XX/XX/2018 I have reviewed all of the documents I received from the dealership. I was never given a copy of my credit application. 

I would like both of you, XXXX XXXX XXXX and Wells Fargo Dealer Services to send me the credit applications you each hold so I might compare 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 non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I open a checking account with XXXX  XXXX XXXX in XXXX XXXX, XXXX VA on XX/XX/2018 with deposits of around more than {$25000.00} with cashier checks, cash and USPS money orders. They gave me like a receipt that reads that USPS money orders will appear on my account the next day ( XX/XX/18 ) and the cashier checks on XX/XX/XXXX. Next day i check the account and i saw the cash and money orders deposits. I went to the bank to withdraw money on XX/XX/XXXX, and i didnt have the money order deposits available anymore. They told me they put a hold to everything till XX/XX/XXXX ( 11 day hold ) and they didnt gave any new receipt nor gave me a logic explanation for 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 2018-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX XXXX times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, XXXX, and Transunion on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.

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 2018-07-12 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: IA

Complaint narrative:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified Experian, XXXX, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.

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 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the validity of this debt. I have been sent bills from this company that is not accurate and I feel that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
On XX/XX/2018 I sent out a debt validation letter not a verification letter to Wakefield and associates asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.

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 2018-07-12 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: Midwest Recovery Systems
State: IA

Complaint narrative:
In XX/XX/2018 after reviewing my credit file I noticed an account from Midwest Recovery Systems {$550.00} that was opened up fraudulently. I contacted Midwest Recovery Systems four times over two weeks about this account. Midwest Recovery Systems informed me that they notified XXXX, XXXX, and XXXX on XXXX XXXX to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018. I have filed a cfpb complaint against : XXXX XXXX, XXXX XXXX, and XXXX XXXX in reference to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: GA

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

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 2018-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXXXXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXXXXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

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 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 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 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