vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CT

Complaint narrative:
I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had a Capital One Platinum MasterCard through Capital One Bank, which I believe is owned by Capital One Financial Corp. I applied for the card because it had no annual fee. For years I did n't use my card at all despite having no annual fee. Months ago Capital One tack a " monthly fee '' of {$5.00} onto my card effectively raising my already high APR on the card. I called Capital One over a week ago and asked to have the monthly fee removed. The young man I spoke with said that " Because the fee is a monthly membership fee and not an annual fee, he could not remove it. '' This monthly fee seems like a sly way of not only raising my APR but also putting an annual fee on my card but in such a way that Capital One employees are not authorized to remove it. And why is it called a " monthly membership fee ''? What did I become a member of?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: CA

Complaint narrative:
I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: CA

Complaint narrative:
I requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/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 non-monetary relief
Consumer complaint received 2017-10-07 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: MD

Complaint narrative:
Wells Fargo continues to authorize debit charges on my account when there are not sufficient funds then charges me overdraft fees. I did not request for any overdraft protection. I bank with several other institutions and they do not authorize charges when the funds are not available. I called and spoke with Wells Fargo practice and they claimed this is what they do. They " assume '' the funds will be added to the account and therefore allow the charges to be authorized. This does n't make any sense whatsoever. In fact, they are not even consistent with this practice as some of the charges were not authorized at all ( attached bill - usually paid from my WF account but was n't authorized ). I feel these practices are unfair and WF attempt of making a profit by authorizing debit charges especially on transactions that are less than the {$35.00} overdraft fee I 'm being charged. These practices need to stop.

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 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Bank of America checking account was overdrawn by {$150.00}. 

I deposited a check on Thursday XX/XX/XXXX in the amount of {$3000.00} to  cover the overdraft. I also made an online payment that evening for {$2400.00}.  Typically the availability of funds allows {$300.00} to be available immediately and the remaining amount of the deposit of a local check up to {$5000.00}, to be  available the next business day. 

I expected nothing different on this occasion. I made the deposit at a Bank of America ATM before XXXX EDT. In the process of making the deposit I did not receive any special alerts of any kind. I did not pay any attention to the receipt I just put it in my pocket. Later that evening I checked my account online and realized that a ten ( 10 ) day hold had been put on the check I deposited. 

I called bank of America customer service and was told that the system automatically put a RISK hold on the account and that no person could remove that. The customer service person did not know exactly why. 

On Friday XX/XX/XXXX, I deposited an additional {$2000.00} in cash into that checking account so my balance was now at {$4800.00} An online debit that I had initiated on Thursday XX/XX/XXXX for {$2400.00}  hit my bank on Friday XX/XX/XXXX and the item was returned and a {$35.00} NSF fee was charged to my account. 

I called Bank of America again on Saturday  XX/XX/XXXX and spoke to XXXX from WV and then his supervisor XXXX. They both echoed that no one at the bank could remove this ten ( 10 ) day hold. XXXX further advised that the notice I received on my receipt AFTER the ATM deposit was made, was all that the bank was legally required to do to inform me of the hold. 

I reminded XXXX that if I was in the branch a live teller would have let me know of the extended hold before I deposited the item ( therefore allowing me to decide if to deposit the check at this bank or not ). I pointed out that the ATM gave me no such alert during the ATM deposit process and therefore I needed to have the situation addressed and resolved. I advised her that for such a large bank with over thirty ( 30 ) million customers, this was an unacceptable situation and asked to speak to her manager. She confirmed that nothing could be done by ANYONE in the bank and apologized for the INCONVENIENCE. 

It is unacceptable that of the thousands of banks and credit unions in this country, one of the 4 XXXX   dollar banks in the USA, with ten of millions of customers could have automated, electronic protocols that are completely insensitive and unresponsive to the needs of live human beings. 

This needs to be 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 monetary relief
Consumer complaint received 2017-10-07 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is Diversified Consultants with XXXX XXXX for XXXX and the XXXX creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under Diversified Consultants for XXXX and XXXX report under Diversified Consultants for XXXX. This account was supposed to had been removed and now keeps appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07 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: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor receivables management for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.

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 2017-10-07 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: NJ

Complaint narrative:
On my experian credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my experian report twice. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.

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 2017-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
It appears that one collection agency is attempting to collect for another collection agency, XXXX XXXX XXXX XXXX XXXX I have never personally borrowed from or have owed money to XXXX XXXX, only to credit cards which are not being named in the suit. I do n't even recognize the name XXXX XXXX. 

It has been over 15 years since the last time I made a payment to the true creditors in question, yet the attorneys and collectors of Gordon , Aylworth & Tami , P.C . continue to serve me with writs of garnishment, even though the Statute of Limitations has long since passed. As I and my family are living below the poverty level as it is, it would be impossible for me to repay this debt they ask for anyway. 

Knowing that the Statute of Limitations has long passed, I consider myself to be naturally bankrupt, as I can not afford to pay for the services of actually filing.
They say I owe {$15000.00}, though they never mention the name ( s ) of the original creditor ( s ), nor acknowledge that they have been hounding me for over 15 years. 

Please advise me and help me in any way you can to maintain my rights under the State of Oregon 's Statute of Limitations laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: MD

Complaint narrative:
I am writing to you because I just discovered that a large payment I made was severely misapplied and, because of that, I have been charged interest that I shouldnt owe and a loan that should have been paid off is still accruing interest and has barely budged at all! 

In XXXX of this year XXXX XXXX XXXX, I called and got the payoff amount for this loan and the specific account number. I then made a balance transfer to a credit card which charges me XXXX interest for XXXX months because I knew that, in that time, with no additional interest accruing, I could totally pay off this loan. The payoff amount was XXXX and thats the amount I transferred elsewhere, which should have brought that loan balance to XXXX 

Today I was considering paying off the other XXXX loans with a consolidation through another company and so I came in to my account to get the payoff amounts and the interest rate. Thats when I saw that Navient says I still owe XXXX on that loan! Thats just a XXXX  difference since XXXX, which is irrelevant actually because it should be PAID OFF. The amount I paid off was applied broadly across ALL three of my loans, not applied to that XXXX loan as it should have been. I am VERY upset about this! Not only did the loan not get paid off, but I have also been paying it off monthly elsewhere AND I have continued to accrue interest on this loan. This is an EGREGIOUS and SERIOUS mistake which MUST be rectified. I called and got the payoff amount ; I had the payment sent to the correct account number, because I got that information when I called. 

This mistake has cost me DEARLY and it needs to be rectified, PLEASE. This loan should have been paid off and instead Im paying for it XXXX, at a rate of XXXX  per day! I need this rectified. This hasnt helped my situation at all. I stupidly assumed the payment would be processed correctly, which is why I didnt check. And I thought that my monthly XXXX was now being applied to only the other XXXX loans. Ive gotten absolutely NOWHERE when I thought I had paid off at least that smaller loan. This is terrible and horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to XXXX explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved XXXX XXXX XXXX and XXXX alike. XXXX XXXX XXXX for wrongly placing a late notation ( they did this for Trans Union as well ) ; and XXXX for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against XXXX XXXX XXXX, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.

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 2017-10-07 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: AES/PHEAA
State: CA

Complaint narrative:
In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to Experian explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved American Education Services and Experian alike. American Education Services for wrongly placing a late notation ( they did this for XXXX XXXX as well ) ; and Experian for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against American Education Services, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.

Company response to consumer: Closed with explanation