vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
When I make a payment, my account is closed to further purchases until my payment is processed and posted, and that can take up to 7 days. I was told that in order to avoid the problem, I should make payments less often. I make payments often in order to insure that I pay minimal or no interest charges, this policy feels like the intent is to make me less likely to pay as often, so more likely to incur unneccessary interest charges and possibly late fees. For example, my account limit is {$1500.00}, I had a balance of {$400.00}, so available credit of {$1000.00}. I made a payment of {$400.00}, and now my available credit is {$0.00} until the payment is processed and posted, which I am told could take up to 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: GA

Complaint narrative:
I requested a loan of {$12000.00} from XXXX XXXX in XX/XX/XXXX. Three disbursements were made.XX/XX/XXXX for {$4700.00}, XX/XX/XXXX for {$4700.00} and XX/XX/XXXX for $ XXXX.Total disbursed {$9500.00}. I graduated XX/XX/XXXX. Throughout the term of the loan I had placed the loan into deferment. In XX/XX/XXXX I called XXXX XXXX to inquire why my principal balance reflected total amount owed {$13000.00}. I was told by two customer service representatives that during my deferment my student loan accrued capitalized interest. The issue I have is with how this information is disclosed on my billing statement. My billing statement reflects the actual principal of {$9500.00}. actual funds I borrowed and then it shows current principalb {$13000.00}. this is very confusing. In addition it is inaccurate according to XXXX XXXX dictionary online principal is defined as : a matter or thing of primary importance : such as a ( 1 ) : a capital sum earning interest, due as a debt, or used as a fund. In addition according to XXXX XXXX  dictionary online Th term interest is defined as a : a charge for borrowed money generally a percentage of the amount borrowed. Disclosing an increased amount and defining it as principal would indicate an additional amount borrowed, however it is interest and should be disclosed on monthly billing statements as capitalized interest NOT PRINICIPAL. Since this is not part of the funds borrowed it should be separated and disclosed as such including the dates of the deferrment period. This will lead to decreased student loan debt and more transparency. My goal is to help alleviate the burden placed on graduate students, in addition, XXXX XXXX  offers few options to negotiate repayment. Except forbearance or deferrement. There are no options to alleviate the payment based on income. They are forcing students to accrue more debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: FL

Complaint narrative:
On XX/XX/XXXX I uploaded my request for dispute with Experian via their website@www.experian.com/upload for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in the 30 days required time.

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 2018-06-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested Transunion and XXXX to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I contacted Capital One in XX/XX/XXXX and made my payment and then requested to be signed up for auto pay. In the time between XX/XX/XXXX and XX/XX/XXXX I made a couple of payments that I assumed were extra payments to pay down my balance faster, I used my last minimum payment due to make these payments. I returned from vacation on XX/XX/XXXX and my wife went through the mail and when she opened our statement it said we were past due {$800.00} and that we were more than 30 days late. I called and spoke with a representative and he assured me that my credit would be taken care of and he would waive the late fees and make sure I was in auto pay, he placed me on hold and a few minutes later a different representative picked and said they would not waive the fees or fix my credit report and that it was all my fault that the account was behind. I asked him to contact the person I spoke with in XX/XX/XXXX and he said that was not possible and I told him this was unacceptable and he transferred me to an Account Manager. While speaking with this account manager about this very serious issue there were many people in the back round laughing and joking around the whole time, she again basically said it was not their responsibility that I was not enrolled in auto pay and the only thing she could do was ask for the tape to be reviewed which would take about 6 weeks and that I could not review the tape it was at their discretion completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: OH

Complaint narrative:
I took out {$49000.00} dollars in loans ( direct subsidized and unsubsidized ). I have fought with Navient to allocate my payments to ONLY the unsibsidized loans so I dont gain interest while I am in school and they keep applying evenly. This has led me to gain over 10,000 in interest plus all the money I paid to try to keep my loans at how much i took them out at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I tried opening a bank account in XX/XX/2016 and was denied. I was a sophomore in college and had never had an account ; neither credit nor a bank. I do have student loans with NAVIENT, so I called them and they assured me all was current, but I didnt get to the bottom of the problem with BANK OF AMERICA. Today i tried opening checking account again and same thing happened. I looked at my credit report but only thing showing up is Navient accounts. 

I'm afraid that someone must have STOLEN my IDENTITY to open a bank account in the past but it is not showing up on my credit report. 

I am a female aged XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LICTY, INC.
State: WV

Complaint narrative:
In XX/XX/2017 I was contacted by a company called XXXX XXXX. They told me that they have been sourced by the government to help implement an Obama administration debt relief program. I was explicitly told that by signing up with them they would consolidate my student loans and turn my monthly payment towards my loan into one third of the price of what it had been. I was explicitly told that after making this smaller monthly payment to XXXX XXXX for 4 years my loans would be paid in full. I was explicitly told that these monthly payments would be put towards the towards the principal of my loan. They said they were part of a government program. I received paperwork that was intentionally misleading. I have made the smaller monthly payments to XXXX XXXX for 12 months now. I was contacted by my student loan servicing company recently and told that my payment was past due. 

After communicating with the student loan company it became clear that no money had been put towards my loans in the past 12 months and that the company XXXX XXXX is a scam. I called XXXX XXXX to clarify the situation and cease payments immeadiately. I was told that they had nothing to do with my loans and are not a part of the government. It was explained to me that a bank called XXXX XXXX XXXX  had submitted a debt consolidation form to my loan company on my behalf and charged me a fee for this " service '' ( this is free to do on your own behalf through your loan servicer ) and that XXXX XXXX had purchased the loan from this bank and I am now paying off the new loan. When I communicated clearly that authorization for automatic payments has been withdrawn they refused to provide me with documentation that they had adhered to this cancellation and threatened me that if I stop these payments they would not just " go away ''. 
When I contacted the company, they said my file was incomplete & they needed more information. Every time I contacted them ( even after submitting all the previously requested information they needed ) I was told they always needed something else. I have paid {$440.00} to this company ( XXXX XXXX ) and owe {$1100.00}. And they have done nothing on my behalf to settle the student on debt. The contact number they have online is fake, when you call, it immediately disconnects. XXXX & the number used in email messages does not work either XXXX, the person that I would correspond with, his name was XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I asked the Collector to send me a Validation Letter ( My Right ) and they refused to do so used prophane Language and threats

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: DMB Financial, LLC
State: TX

Complaint narrative:
I am a XXXX year old XXXX veteran, and entered into an agreement with DMB financial in XX/XX/XXXX to settle my credit card debt. I ended the relationship with DMB in XX/XX/XXXX due to suspicious transactions, for example : settlement fees yet none of my accounts are settled, large number of payments and subsequent reverse payments, etc. 

Over that period, i have deposited {$6900.00} into a designated account. Upon ending the relationship with DMB, they sent a check for approximately {$900.00}. As of an email dated XX/XX/XXXX, none of the accounts are settled. 

Despite repeated requests ( from both my son and me ) to detail how the balance of the funds were used, we have not been able to obtain a clear answer. Often times they claim they must research the situation but do not follow up - and now that the relationship has ended, they will not service the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with University XXXX XXXX/co XXXX XXXX for debt rehabilitation. 

In the agreement they state if I make 9 consecutive on time payments of XXXX with the last payment due on XX/XX/XXXX and my credit report will be returned to current status. 
Have all the credit bureaus histories regarding the defaulted loan removed. 

By this date XXXX XXXX has not updated my credit report per their promise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. 

Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. 

This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? 

Thank you, -XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Premier Student Loan Center
State: NV

Complaint narrative:
On XX/XX/2018 a company called Premier Student Loan Center told me they could get my student loans forgiven. I found out today this company is fraudulent. I would like to get back the money I paid them and make it so they don't withdraw any more. I am afraid they will use my personal information for more fraud. I don't want this to happen to any other people that have student loans. So far they have taken 2 payments of {$190.00} each. 

If you have any other questions please contact me at XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been working with Citi Mortgage on a 2nd loan modification for years now. I was in review for a loan modification, on XX/XX/XXXX, i faxed them over the only items they stated were missing which were paystubs and bank statements. On XX/XX/XXXX, i called in and spoke with XXXX whom confirmed that the the paystubs were received and she stated she would put in an urgent request to get the sale date postponed. I called again on XX/XX/18 and spoke with XXXX again who stated that the Asset Manager had not responded to the request yet but she would send another email and they would call me as soon as possible. As eager and concerned i became, i could not wait for a call back and called again on XX/XX/18 and spoke with XXXX. She stated that that they now need the XXXX form and the updated XXXX ( which was newly requested and never mentioned before ). The same day and i went onto their website, downloaded the forms and faxed them in to XXXX. I called back XX/XX/18 and spoke with XXXX who stated the XXXX i sent in was incorrect, i mentioned to her that it was from their website. She stated she would fax me the correct form so i can send it. As of today, i still have not received the correct form so when i called again and spoke with a XXXX, she proceeded to tell me that it was too late to send in the information and i had to do so 7 days prior to the sale date. I requested to speak with a Supervisor but she said there was nothing they can do. I dont understand how I can be set up in a way to lose my home. At this point, i just need help. Please, i beg.

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 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.

Company response to consumer: Closed with explanation