vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-29 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: AES/PHEAA
State: GA

Complaint narrative:
My student loan servicer is XXXX XXXX. My recent payments over and above my monthly amount due have been applied to all my loans despite my repeated requests that they be applied to the loans with the highest interest rate. I have attempted to reach out several times but do not get a reply. They also do not apply my payment to the loans with the highest interest rates. I want all my payments above and beyond my required monthly payment applied to me highest interest balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I made a payment on my XXXX XXXX credit card on XX/XX/18 for the current balance. On XX/XX/18 the automatic payment drafted resulting in a double charge on my account. There was no notification when I made my payment that it would result in the automatic payment still being collected. I called to request a refund and was told they can only issue me a check for the overcharge and it would arrive in 5-15 days. I inquired whether they could just refund the payment and they declined. I find it absolutely unacceptable that they would double charge my account without notification -- effectively stealing from me. To wait 5-15 days to get my money back is absurd, it should have be rectified immediately.

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 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This inquiry is shown on my credit report : New Inquiry Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : XXXX Phone : ( XXXX ) XXXX Type of Industry : Utilities & Fuel Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX I called XXXX and they confirmed that I do not have an account with them. They have no knowledge of this inquiry. The representative suggested I file a complaint with consumerfinance.gov.

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 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im a victim of identity thieves they got my information and used my credit card and I was paying my bills every month on time until this happened I did contact the company of what happened but they still wanted me to pay the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient handed my account over to their debt collectors. That # is XXXX. 
XXXX XXXX ( my assigned account manager ) is combative and misleading.

The other account manager I believe his name is XXXX, told me I was being litigated ( XX/XX/18 phone call took place ) and this wasn't the case. He was threatening and abusive. They use scare tactics and abuse to humiliate people over the phone. Absolutely disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. 

The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. 

I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on flight.

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 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Was shopping for refinance loan on my home, XXXX XXXX informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA 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 2018-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NY

Complaint narrative:
XX/XX/2018 applied for mew construction loan. Spent months sending paperwork amd documents sometimes more than once. Got preapproval letter for $ XXXX. A couple months go by and approval was lowered to $ XXXX. That was XX/XX/2018. I told the rep to go ahead and submit to underwriting. XX/XX/XXXX recd email from rep asking if i want to cancel?? I said i thought it went to underwriting 2 months ago. She replied i should cancel and go elsewhere. I never recd a denial letter or a reason for the delay or cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
I used Coinbase.com on XX/XX/18 to change {$300.00} USD to Bitcoin for payment to an individual. Coinbase.com had me set up an ACH from my checking account to fund the initial deposit because their service could not use my Debit Card information to that account. Once done, the funds were available to exchange to the digital Bitcoin currency, but I could not use the currency to make the payment I intended to use it for. I contacted their service dept. and they said that the funds needed to clear my account the ACH was drawn upon. Ok, this I could understand. The funds cleared my bank on XX/XX/18. On the XXXX, my Bitcoin was still not available for use as payment, and I followed up with Coinbase.com service dept., they again told me the ACH needed to clear. When I told them that it had already cleared, I was emailed that there was a hold on my account that was abnormally long and that they would need to get back to me. That they could take another 4-5 days to get back to me if not longer. As I wait, the market fluctuations in Bitcoin dwindles the value of my holdings of which I have no control over ... I was charged fees to do the transaction, and now my funds are being held with no explanation other than it needs time to clear. While the amount of the transaction is small comparatively to maybe others ... how many " other '' people is this happening to? Especially when fees are involved. I was trying to use Bitcoin as a faster method of payment, now it has been a week, and I am still unable to use the now reduced funds ( due to market fluctuation ) to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018. 
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases. 
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service. 
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers. 
I am also attaching a copy of the document I faxed tro suntrust. 

Thank You very much. 

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 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.

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 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My original mortgage was with XXXX XXXX XXXX. Recently my account was sold to Carrington which has been a nightmare. I had purchased new Home Owner 's insurance before I received the notice of the change in mortgage companies. My Agent has sent Carrington 3 notices of the insurance change, once each time I receive a notice from Carrington. On XX/XX/2018, I received a threatening letter from Carrington that they were going to add Homeowners insurance to my policy that would cost me much more than if I purchased it on my own. Once again, I sent this notice to my insurance and they sent Carrington the information on XX/XX/XXXX. On Friday, XX/XX/XXXX, I received a letter stating that my mortgage payment would be going up {$87.00} per month due to their insurance amount. When actually, my new insurance decreased somewhat and my mortgage payment should be less than what I was actually paying with XXXX  XXXX XXXX. 

I have called and no one seems to be able to help me with this situation, they ramble and then ask " is there anything else I can help you with '', when they haven't even come close to answering the first question I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
ada.gov Americans with Disabilities Act Discrimination Complaint Form Please retain and refer to the following reference number for any correspondence concerning this complaint : XXXX Message by You : Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges., Thursday, XX/XX/2018, XXXX XXXX   Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges. 
XX/XX/XXXX, XXXX XXXX  Message by You : The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother?, Tuesday, XX/XX/2018, XXXX XXXX The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother? 

AMERICAN EDUCATION SERVICES Account Name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up

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 2018-10-29 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: NY

Complaint narrative:
Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX  to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use

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 2018-10-29 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The company Santander Consumer USA incorrectly reporting payment history and payment status of an account in my name. I would like this issue removed from my credit report until it can be validated. The company is known for reporting falsely and inaccurately on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: NY

Complaint narrative:
Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use

Company response to consumer: Closed with explanation