vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: PA

Complaint narrative:
In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. 

I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Our house was destroyed during Hurricane Irma. We are in a FEMA declared disaster area. We have 35 % of our home remaining inside! We were given forbearance from Chase thru XX/XX/XXXX since they denied us a modification. Chase Mtg has reported that we are behind more than 60 days on our mortgage. This is the 2nd and third time they have done this. The first time a month ago was corrected, now they have reported to credit agencies on Friday XX/XX/XXXX and then again on Monday, XX/XX/XXXX. 

We have called Chase Executive offices, we have asked them to please stop and correct, this has not been done. We have asked for a proper letter of apology and they issued one that does not state properly their inaccurate reporting. This is the 3rd time in 40 days they have dropped our credit rating and score more than 100 points. They are destroying our credit with other creditors because of this. This is unethical, unjust, unwarranted, and purely brutal on their part. They do not have a care, nor concern for their customers. To happen once, is one thing, but three times in 40 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My husband and I received a postcard invitation from Citizens Bank offering a special rate of 2.50 % on a 15 month cd with a minimum deposit of {$1000.00}. We could not be current Citizens ' customers, and we would have to open a checking account there too. On XX/XX/XXXX we went to XXXX XXXX XXXX and withdrew {$5000.00} from two Cds there for a total of {$10000.00} and a total penalty of {$340.00}. We took the {$10000.00} to Citizens to open an account there. We were told by the teller that we would have to match our {$10000.00} cd amount to a checking account or another {$10000.00}. We protested and asked to talk to the manager, which we did. Both the teller and the manager apologized for the lack of information on the card to clarify the matching feature. Obviously {$10000.00} in a no interest checking account would be XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I've filed a complaint on this creditor before about this identity theft debt and was told to reach out to the creditor and ask them to furnish me with proof that this debt belongs to me, I have sent the creditor barclays bank certified letter request that they furnish me with proof that as documentation that this debt belongs to me, but barclays failed to provide me with the specific documentation requested, its a matter of fact they provided with no documentation what so ever, all they did was write a two sentence letter stating that they received my dispute an that it is accurate with no proof or documentation to back it up, according to the fair credit reporting act, if a creditor can not furnish proof that for a debt was when there's a dispute they must remove the debt off the consumer credit report..

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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau 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 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
In late XX/XX/XXXX, I mailed a XX/XX/XXXX mortgage payment using the XX/XX/XXXX coupon of my current mortgage servicing company, PHH Mortgage. After coming home from vacation, I found in my mail a second payment coupon for XX/XX/XXXX from another servicing company, XXXX XXXX. My servicing had been transferred. I did get a notice about this earlier, but missed the effective date of after XX/XX/XXXX, so I erroneously paid the first company because that was the only coupon I had at the time. My check to the first company ( PHH ) had not cleared by XX/XX/XXXX, so I was worried and called them. Their voice message said my account was transferred and I had to call the new company ( XXXX ), which I did, but the new servicer said they had not gotten anything from the old servicer ( PHH ) so I have to call the old servicer back. PHH 's customer service rep said they had no record of the payment. They said when they got the check they would either send the money to the XXXX or refund it to me. I just have to wait. This seems contradictory to their notice ( attached ) that says : " The last day PHH Mortgage will accept a payment from you is XX/XX/XXXX. '' I am worried when they will ever find my check in their system for my closed account if they say they haven't got it yet, since it's been a few weeks they sure should have gotten it by now. So I said how about if I put a stop payment on the check I wrote to them, and send a new check to XXXX for the XXXX payment. The PHH rep told me I am not allowed to stop the check and they will charge me a penalty for insufficient funds if I do that. They suggested I pay my mortgage twice -- the previous check to PHH plus write a new check to XXXX, then wait for PHH to process the first check. Or I could just wait until whenever PHH processes my check ( which they should have already gotten based on the dates, very worrisome ), to see if they pay XXXX the XX/XX/XXXX payment, or if they refund the money it to me. But I don't want to be late with the XXXX payment. So am I stuck paying double mortgage for XX/XX/XXXX? Do I have any other options to get this corrected? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: TX

Complaint narrative:
This was a particular situation that I broke the lease due to rats being infested in the apartment and the AC continuously breaking and flooding my apartment. I ended up filing it under my bankrupcy when I went on to a XXXX 's XXXX   situation and I could not make the arrangement payment of XXXX per apartment for current month owed. I'm not sure why they sent the bankruptcy attorney and amount of XXXX. And on these records indicate XXXX. I have attempted to call the apartments numerous times as well as I spoke to the collection agency and they said it has been wrote off. However it's not showing that it shows open.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
XX/XX/2014 ( 4 yrs, 1 mo ) Amount {$1100.00} I contacted XXXX   multiple times to dispute and prove the debt wasn't mine with letters and a letter was sent back from 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 2018-06-13 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: TX

Complaint narrative:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TX

Complaint narrative:
This is the second time it has happened ... ..and it is every time I make a payment for both months ... 

Navient has again, wrongly applied my federal student Loan payments ; loan ID ; XXXX, XXXX and XXXX to an unknown loan ID XXXX, without authorization. I've asked Navient by email to correct the error of the payments for XX/XX/XXXX, and XX/XX/XXXX  and re-allocate the payment made to the unknown loan XXXX to the loans ID : XXXX, XXXX and XXXX for those months accordingly. Please find below details of the checks that were supposed to be applied to Loan ID : XXXX, XXXX and XXXX : Cashiers check # XXXX, payments for XX/XX/XXXX,  was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the copy of the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? Cashiers check # XXXX, payments for XX/XX/XXXX, was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? They've suddenly decided to divert my federal student loan payments to an unknown loan and charged me late fees for it??? 

I've included a copy of my past complaint ( ID XXXX ) and also the proof the checks i sent with instruction for which account and months!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13 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: MA

Complaint narrative:
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : Experian, XXXX and 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 2018-06-13 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: TX

Complaint narrative:
This is not my first attempt to have this problem resolved. Upon my last request the company said that they sent a letter to my address which I di not receive anything. Nor has the credit reporting agency responded back with investigation report or findings. This has been well over 90 days and no one has responded. I asked this company for a contract verifying that this is my debt and that I have a debt owed to them and they stated they sent something in XX/XX/XXXX which they did not. So I know there's no way the CA can have anything as well. If this matter does not get resolved I will be seeking legal action because this is fraud and the information being reported on my credit report is incorrect and I have tried will over 90 days to have the issue resolved with both company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I opened two accounts with American Express National Bank, one for a high yield savings account and the other for a CD. I sent in the deposit slips by mail, and because I was uncertain which slip went to which account I wrote on each check where I wished it to go. On the {$20000.00} check I wrote on bottom left high yield savings and on the {$3000.00} check I wrote CD account. Recently I received a letter listing the CD as having {$20000.00}, and I also learned the high yield savings had {$3000.00}, which was the opposite of what I intended. I called last week and was told that the accounts would be switched and I should call the next day. I called the next day and was told they are working on it and I should call early next week to confirm the transaction. I called early the next week as instructed, and was told that the banking operation team determined it was not a banking error. I asked to speak with a team member and was told they can not be reached by the public. I went through several supervisors and received the same robotic answer - it is not a banking error. I was also told that if I wanted my {$20000.00} switched to the high yield account or sent back to me that I would have to pay {$780.00} in penalty ( 540 days of interest ). I asked why they had not called me when they saw the discrepancy and was told again the banking team determined they were not at fault. I believe the deposit slips are very deceiving, and since they look identical it would be easy to confuse which went where. I asked to have the slips sent to me so that I could see how the bank decided they were not at fault, and again I was put on hold, then was told it would have to be approved and I could contact them in 7 to 10 days to see if it was.

I am XXXX  years old and in no way wish to tie up {$20000.00} of my savings in a 5 year CD. I believe they took advantage of a situation and now have my money although I clearly marked where the checks were to go. XXXX XXXX XXXX XXXX has only one phone number and the people who answer are obviously trained how to field complaints, how to put one on hold, and how to defer giving answers. This bank seems impersonal, deceptive and difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why. 

I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone. 

I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.

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 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
On XX/XX/XXXX I pulled all three credit reports. Upon reviewing my report there was a number of negative accounts reporting. Two of the accounts were XXXX XXXX ( in  the amounts of {$120.00} and {$310.00} ) and Solomon and Solomon ( collection agency for the aforementioned ). According to the credit reports my last payment to XXXX was XX/XX/XXXX which is legit. I was XXXX overseas in XX/XX/XXXX and at that time informed all creditors to close or place accounts on standby. I also requested final bills if any to be mailed to a alternate address. Since I moved out of the apartment I was renting this account was requested to be closed, following up with a final bill if any. I received all my final bills while XXXX via family with the exception of UI. On my credit report the also waited until XX/XX/XXXX to close the account. At that time I was already in XXXX. I contacted XXXX  as soon as I pulled the report and expressed to them the very words I am writing now to no avail. This was no surprise as I previously had to file a complaint against them for reporting a account on my report that was fraudulent and was proven by furnishing my birth certificate as I was a minor when the account was in use. Nonetheless I thought things could've changed. Moving forward, I contacted Solomon and Solomon as they were representing XXXX to collect the debt. I was unable to reach someone so I left my number. On the same day of realizing I had a debt I wrote Solomon and Solomon a " pay to delete '' letter and sent it certified. On XX/XX/XXXX receive a call from a CSR from Solomon and Solomon stating they received my letter and they agreed with pay to delete, I will just need to pay online. I immediately logged in with the information given to me over the phone and paid the bill. It is now XX/XX/XXXX and they are still reporting on my reports.

Company response to consumer: Closed with explanation