vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On a regular ( at minimum 2 times a year, realistically, quarterly ) Navient " accidentally '' applies all, or a portion of my loan repayment for my private loans ( high interest rate ) to my federal loans ( far lower interest rate ). Then, they apply a late fee, send collection letters and remove my participation in loan repayment incentive programs ( ie minor interest reduction for timely payment ). This has been increasing in frequency in the last 2 years. 

I have modified how my bank processes these payments to ensure that the account numbers reflected in my bill pay match those in my Navient statements for both types of loans. Yet, the problem continues. When I call Navient, they insist that I need to change my bank information. That is clearly not the issue. 

When I push back, they end up tossing me back and forth between the private loan servicing side, and the federal loan servicing sides of customer service- insisting neither can fully fix the issue. I typically have to point out I have already spoken to the other side of the company at least 2 times before the person trying to transfer me " looks one more time '' and is able to fix the problem. 

At this point, there is no way this is a fluke. It is persistent and nearly impossible to fix in any lasting or meaningful way- and the only solution Navient provides is that I sign up for their auto-debit. I do not trust them enough to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have my mortgage with Wells Fargo Bank. I believe that they are shifting me on my interest paid and principal applied towards my loan. According to the amortization table that they gave me for XX/XX/XXXX interest paid should be {$710.00} and principal should be {$360.00} but the bank charged me  interest of {$820.00} principal applied of {$250.00}. This has been going on for a while.

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 2019-01-04 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: NY

Complaint narrative:
I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r

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 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, XXXX, and Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion and XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion ) XXXX XXXX - Opened XX/XX/XXXX ( Transunion )

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 2019-01-04 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: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, Equifax, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  and Equifax ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
I recently reviewed my XXXX  profile and found a hard inquiry from a "non-account" holding creditor named XXXX  XXXX  and XXXX XXXX XXXX on XX/XX/2018.
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.
I wrote a letter to dispute the inquiry and requested proof from XXXX  & XXXX XXXX  of authorization by me or delete from my XXXX  credit profile immediately! This hard inquiry is suppressing my credit score.
I have attached images of the letter I sent XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my Experian profile and found a hard inquiry from a "non-account" holding creditor named XXXX XXXX and XXXX XXXX XXXX on XX/XX/2018.I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.I wrote a letter to dispute the inquiry and requested proof from Experian & XXXX XXXX of authorization by me or delete from my Experian credit profile immediately! This hard inquiry is suppressing my credit score.I have attached images of the letter I sent 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 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I reviewed my credit report and noticed XXXX XXXX XXXX placed and account as an collection account, which does not belong to me. 

On XX/XX/XXXX & XX/XX/XXXX, I emailed XXXX XXXX and informed them of the frivilous account that has been reported to the credit reporting agencies. I requested deletion of the account effective immediately, which they have ignored. Since, I've placed a fraud alert to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
In the XX/XX/2014 I brought a van from XXXX XXXX and the van broke down and kept breaking down and the XXXX XXXX company did not resolve it so I gave them the van back. They are still trying to charge me for the van till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance.

* Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate.

To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.

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 2019-01-04 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:
I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
The card XXXX XXXX XXXX  card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. 
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from 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 explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a bill from CMRE Financial Services , Inc. about three weeks ago. 

I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter. 

Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof. 

I believe that I have not been treated fairly. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

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 2019-01-04 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: NY

Complaint narrative:
XXXX  's website does not allow access to credit card information online anymore. Every time I call they try and tell me it must be my browser. After arguing repeatedly with customer service they admit they are having technical issues with the website. This is unacceptable in this day and age. Its absolutely ridiculous that I can not monitor activity on my account.

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 2019-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: VA

Complaint narrative:
Since XX/XX/2017, our mortgage was sold to Selene Finance.  Since XXXX we have constant issues to the point that we have lost sleep, stress, had major anxiety issues, and had to hire an attorney because we received 2 letters of default even though we have been paying the mortgage. The Customer service department at selene Finance has told us repeatedly we could have our mortgage money deposited into an account that would be applied to our mortgage ( they never check on it ). After hiring an attorney and the company taking out all of our escrow account money even going into the negative balance we still can't resolve all our issues. 
1. We found out we have been overpaying our mortgage 2. They charged us more money for taxes than what the city statement says 3. Our escrow is not where it should be, money is missing. No one at the company has contacted me to tell me anything in regards to why.

4. They have charged me late fees and i've constantly wrote the dispute department to get this resolved as the customer service department recommended ( With XXXX ). 
I want to know where my overpaid money is? where is my missing escrow money? why will the late fee not go away when Selene is the issue?

I have never been late on mortgage till this company and I'm doing everything in my power to fix my issue and I want to do everything I can to keep others from having the same problem. Selene Finance fails to communicate, customers can not reach the departments that manage the issue going on and the departments within the company don't talk to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/2018, my debit card was hacked and an XXXX XXXX was created and 5 separate transactions were attempted in the amounts of {$500.00}, {$500.00}, {$500.00}, {$450.00}. and {$450.00}. When I contacted US Bank ( XX/XX/XXXX ), I was immediately sent to the fraud department as the transactions were already flagged as potential fraud. I verified that I had not made the transactions. I was told that the transactions were a new XXXX XXXX account and someone attempting to wire funds to people. The fraud specialist assured me that she was reversing the charges immediately. I let her know that I needed to pay my rent and a car payment would be coming out. She said that the {$2400.00} was back in my account. She stated that I would receive paperwork in the mail to sign and would hear the results via mail in 60-90 days. 

On XX/XX/XXXX, I checked my account to find that my rent and car payment had bounced and I had a negative balance because all of the fraudulent charges had been processed. I immediately contacted the bank. The bank informed me that it is their policy that the vendor can choose to process the charges even though they are fradulent. The bank then continues the investigation and the money is returned to me in 10-14 days. Now, I have bounced rent, car, and other bills and have incurred late fees, and bounced charges. 

I do not believe that it should be legal for the bank to allow these charges to process after establishing with me that the charges were fraudulent especially after 1. already flagging the charges as potential fraud themselves. 2. verifying with me. 3. the fraud occured in a different state, and I had a charge in my own state same day. 4. and telling me my account was okay and returning the funds only to pull them agan. 

Also, I asked the bank to email me a statement regarding the fraud since I was going to start bouncing. They informed me it took 10-14 days to get me that 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 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have recently checked my credit and discovered a fraudulent collection account is reporting in my credit report. I am a victim of identity theft and XXXX XXXX XXXX ( ACCOUNT NO : XXXX, ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT is a fraudulent account. I have no knowledge who opened this account because I have never let anyone to use my personal information to open any account for any purposes. Please help me to resolve this problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.

Company response to consumer: Closed with explanation