vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
My citizen 's one XXXX loan is overpaid by {$130.00}. Both the online system and the representative on the phone ( called today, XX/XX/19 ) admit the overpayment and that these funds are due to me. However, they state that they are too busy and they have no idea when they will be refunding the overpayment. 30 days have already passed and no refund has been issued. The representative refused to tell me when the refund would be issued. The amount is not in question. The overpayment is not in question. The bank simply states they are too busy to process the refunds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I recently in the months of XXXX, XXXX, XXXX, XXXX, and now XXXX disputed for the fifth time, a total of 18 individual Student Loan accounts with Experian. By the way, I asked for validation and verification of the reporting negative information all 18 of these accounts, which Im XXXX have been paid in full and consolidated into two accounts. All they did was update the accounts with a FP ( failed to pay ) status. The accounts clearly show on my recent credit report that I have made 100 % of my payments on time for all 18 accounts. So I then paid to have a {$29.00} fee to update my credit score to see if they have deleted these accounts and they did not. Please help me because this is not right and I have taken the proper steps to fix this issue and have not been successful.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received notice Of a debit on my credit report. I tried calling the company and didnt receive any answers. I tried calling the local place and no one has any information to show why Im being charged with this debit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I saw a notification from my credit monitoring service today XXXX/XXXX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.

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 2019-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: NC

Complaint narrative:
In XXXX, I was sued by XXXX XXXX XXXX XXXX XXXX XXXX for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX XXXX XXXX   XXXX, now XXXX XXXX XXXX XXXX XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to Levy were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of XXXX, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. I have not received any written notification from XXXX or XXXX XXXX XXXX, which they also mentioned on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Internal Check Systems, LLC
State: GA

Complaint narrative:
On the date of XX/XX/XXXX. My XXXX XXXX XXXX was broken into between the hours on XXXX XXXX. I approached my vehicle to start it up before heading to work and noticed that my drivers side window was busted. I opened the door to see the inside of the vehicle destroyed as well as items missing from the vehicle. Items missing including my wallet. Contents in the wallet contained ( XXXX and XXXX XXXX XXXX Debit cards, XXXX XXXX card, Social security card and {$50.00} cash ) .. Other items missing from the vehicle were my reading glasses and 2 pairs of shoes et ... when i initially filed the police report the officer gave me incorrect case number. My insurance took care of the damages so i didn't keep pursing the investigation. Later I discovered that someone used my information fraudulently at XXXX XXXX XXXX. Ever since then, I have not been able to get a bank account. This is Really hurting the process of me getting and starting my business.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have in several occasions asked over the phone that these collectors to send me proof via mail of this so called debt that I have with them. I do not know who they are and I have never entered into business with them. To this day, I only receive daily phone calls which I choose to not answer. First contact to request proof XX/XX/XXXX/2019. Second request XX/XX/XXXX19. Third request XX/XX/XXXX19. I would like for their phone calls to stop. My voice mail isn't set up with my name and yet they leave personal information messages on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: ACS Education Services
State: TX

Complaint narrative:
I have had several student loans that I have paid on consistently for several years ( almost 15 years ) other than the two years I was in XXXX XXXX. I kept wondering why my balance wasn't going down. I originally started with XXXX XXXX XXXX, those loans were then bought or sold to ACS, which I paid for several years. I even have income tax returns that show interest paid and claimed for those years, yet on the federal loan services database, it does not list them as a lender ever on my loans. What happened to the money I paid to them during that time? I've even had loan forgiveness of {$5000.00}. Have qualified for grant money from the state for {$5000.00}. I still can not fathom how I still owe {$19000.00}. I even paid extra on my loans for a long time, until I realized that doing that hurt me when it came to loan forgiveness programs. Please help. When I called XXXX XXXX to try to figure out what was going on, they actually told me I needed to contact the ombudsman office of the XXXX XXXX XXXX  office. Please help, I am trying to figure out what happened to the money I paid to ACS. I have recently read several people that had similar problems with payments applied incorrectly. Now I've learned that the federal government cut ties with ACS and it was because of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
statue of limitations and credit reporting limitation for virginia has passed account from XXXX and it's XXXX and limitation passed in XXXX, please remove jp morgan chase from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was just informed by Wells Fargo that the investigation could not find the error in their reporting due to lack of information they could find on a XXXX veteran program. After offering to provide said information I was told that the information was irrelevant ; the information is absolutely relevant. I need someone that is competent, to respond to my original complaint. With a little effort it will be obvious that Wells Fargo did not do right by me and that my original request is completely reasonable. Thanks.

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 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account with JP Morgan Chase was closed in XX/XX/2019 due to fraud that was not fault. My account had been hacked and a fake check had been mobile deposited to my account via their Chase mobile app. After escalating and calling Chase 's fraud department and resolving the issues and closing that account I was told by mutiple internal Chase representatives that I would be able to open another account with them with no issues. I was told wrong because after going in to not one but two local Chase Banks in person to open a new account, I was refused to open an a new checking account with Chase with the reasoning being that Chase ended our banking relationship. I was not notified nor did I receive anything from Chase in the mail regarding this issue. I am still extremely confused and upset regarding this whole dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Back in XXXX of 2019 you helped me with a problem I was having with American Express and a fraudulent use of my credit card. That case # is XXXX. American Express cancelled my credit cards even after I notified them that the charges were fraudulent. They responded shortly after you contacted them on my behalf and in letter dated XX/XX/XXXX stating that they would investigate the fraud and report back to me. I received another letter on XX/XX/XXXX stating that they would send me my communications by mail to my address - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. To date, I have not heard from them. I suspect that they fully know that they wrongfully terminated my accounts and are reluctant to admit such. Any further help you can provide to help me repair my credit standing would be greatly appreciated. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Charlottesville Bureau of Credits, Inc
State: FL

Complaint narrative:
There is a duplicate collection account for Valley Credit Services on my XXXX report and both XXXX and the creditor refuse to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

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 2019-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
This is not my first issue Fedloan. 

FSA Feedback Case : XXXX Complaint Case Number : XXXX My first issue was back in XXXX I was on an income based repayment plan and started a new job that increased my salary and I was honest and submitted information regarding this increase and the new income disqualified me from the current repayment plan. I was quickly put into a standard repayment plan which I could not afford. I was confused and frequently called customer service asking for options and help understanding. I ended up being put in a situation that a graduated payment plan was the best option for me based on my circumstances. This is never anyone 's first choice but what I could afford. At one point I had to make 2 payments one month in order to not default. It was such a terrible experience making a change to my account that I have avoided and dreaded the day I have to do it again. I am and have been a XXXX XXXX for 6 years and none of my graduated payments qualify for Public Service Loan Forgiveness ( PSLF ). I am at a place in my repayment plan that the next graduated increase is coming and the payment will not be something I can make every month and I have gotten married since I initially taken my loans out. 

In order to make changes to your account your name has to be updated and must submit documentation to Fedloans about this. I submitted my drivers license XX/XX/XXXX to the upload portal on Fedloans website. I was told 7 to 10 business days for updates to my account by a XXXX customer service rep. I checked XX/XX/XXXX my name was still not updated, I called customer service and they told me wait an additional 7 to 10 business days. I checked today XX/XX/XXXX and my name was still not updated. I called customer service again and customer service stated that the documents were uploaded on XX/XX/XXXX and my name is still not updated. The rep employee number XXXX told me that a request for the name change was put in on XX/XX/XXXX and to wait until early next week for the change to be processed. I asked her what should I have done differently because I thought I did what I need to do. She stated that I should have called customer service immediately after uploading my documentation to the website. There is nothing on the Fedloan website stating that you need to contact Customer Service to inform them that you submitted information and the 3-4 times I had called customer service to discuss this issue these instructions were never stated. I was told to just upload the documents and wait. One would think that if you uploaded information that it would generate a request. This issue predominantly effects women and the company not providing correct information and a timely responds could be detrimental to the lender. How many other people are not receiving correct information or are waiting for information to be updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection account is showing up twice on Equifax credit report and the collection agency claims there is one account and I need to have Equifax correct it. I disputed the duplicate account and the collection agency verified the account and updated the balance but the duplicate account remained on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I paid an auto parts {$1400.00} seller through a paypal invoice and selected the advertised 6 month interest free financing offer after signing up for Paypal Credit. Paypal Credit coded the sale as a cash advance instead, and began charging interest for the transaction. After calling to resolve the problem, they insisted on continuing to classify the transaction incorrectly and continuing to charge interest. The only remedy they offered was a review that could take up to two months to complete, and which was not guaranteed to solve any of the problems, which would then leave me on the hook for 4 months worth of interest by the time I knew their answer. They are engaging in deceptive practices by offering this rate at checkout, then failing to honor it when they bill it to the statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I closed my checking account. I never received any notice of any problems until I received a letter from a collection company asking for XXXX dollars. 
The only check written on this account in the last three years was the one to close it. How are they coming up with this number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

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 2019-10-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: FL

Complaint narrative:
I submitted a letter to XXXX & XXXX, Trans Union advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.

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