vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. 

I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018 I filled out a pre-qualify application for a Bank Of America credit card. The advertisement stated Will Not affect my credit score. As soon as a submitted my application, a BOA page appeared with a credit card that supposedly I qualified for. The page wanted more information to proceed with card. I provided all my information, date of birth, SS #, Address and work information. I again submitted online application and in that instance, I was denied. I believe this is deception and false advertisement. If the first page submitted went thru fine, then I should have been approved. This poor business practice have damaged my credit scores.

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 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MI

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The bank credit card company paid a bill from XX/XX/XXXX from an account that I had previously closed. The company 's customer reps who I talked with by phone said they could not understand why the bill was paid because the account had been previously closed. A customer rep in the XXXX XXXX in person found that the account was closed in XX/XX/XXXX. My XXXX XXXX credit report shows that the account was closed in XXXX of XXXX. On XX/XX/XXXX, I wrote to the bank credit card address given on the credit card statement that my account being changed had been previously closed. To date ( XX/XX/XXXX ) I have not received any explanation -- though as a result of my in-person meeting with the bank rep, they notified me in a letter dated XX/XX/XXXX, XXXX that they had opened a claim that I was disputing the vendor 's charge ( which was not my complaint ). I have also received my XXXX statement which has a {$25.00} late fee attached! I do not mind paying the bill ( minus the late fee ) if I get an assurance from the company that no further charges on the closed account will be billed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 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: TX

Complaint narrative:
I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ XXXX month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the 7.5 years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect 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 2018-08-14 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: TX

Complaint narrative:
I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ 325 month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the XXXX years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect 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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union credit bureau is still listing an outdated " hard '' credit inquiry on my credit report. The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX XXXX XXXX. 

I have contacted both Trans Union and XXXX XXXX, to have them delete this inquiry from my credit file, with no success. 

The FCRA, or Fair Credit Reporting Act, passed by Congress, mandates that any " hard '' credit inquiry that is 2 years old or older, must be removed from a consumer 's credit file 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 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
Greetings I have a mortgage with AmeriHome Mortgage. Every month I overpaid my mortgage and the extra was always applied to the principal. On my most recent payment, the extra was applied to future payment instead of the principal. I have called total of three times trying to get the issue. The customer service said they will correct it but is never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: NY

Complaint narrative:
In XXXX I submitted a payment to go through on XXXX to fully repay my loans of over {$250000.00}. The same day I contacted customer service to make sure the payment would go through from a XXXX investment account. I was contacted on XXXX that they payment would not go through and had to come from a bank account and I had to transfer the funds from XXXX into my bank account. On XXXX the day the payment was scheduled to go through it did not. On XX/XX/XXXX we transferred the funds from XXXX into our bank account and scheduled another payment in full to Navient. On XX/XX/XXXX the original payment went through and the second payment in full was listed as pending. We called Navient to put a stop on the second payment ( customer service was closed ), I wrote an email and my husband  contacted his bank to put a stop on the payment which they said they would do. On Monday XX/XX/XXXX the payment was still listed as pending but we were assured from the bank that the second payment would not go through. On Tuesday XX/XX/XXXX I checked my account and it said both payments were fully processed - an overpayment it {$250000.00}. I called Navient to understand why the stop never happened on either side and all they told me is that it would take 10 days to fully process the transaction which they will and another 3 weeks to get the money back. This is outrageous and fraudulent behavior - absolutely criminal. 

The company misled me to believe that it was not possible to pay from my XXXX account and then proceeded to not only charge this account but then process an overpayment of over {$250000.00} when I cancelled the payment both from the bank and on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Sr. Loan Consultant XXXX ID XXXX State Lic. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Direct XXXX Fax XXXX XXXX XXXX ( Caliber Home Loans ) sold properties in a collaboration with XXXX XXXX XXXX and XXXX XXXX ( affordable housing with deed restrictions ). XXXX and Caliber Home Loans knew these homes were defective and quickly became uninhabitable shortly after closing ; yet, he continued to close on these homes and write mortgages on these properties where the consumer was being defrauded. XXXX was working in the builders best interest to the detriment of the consumer - mostly low income consumers who bought these lemon properties as their first home, then they were forced to walk away in far worse financial shape than before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
DISPUTE WITH-Chase Auto-JPMORGAN CHASE BANK, N.A. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through Chase Bank . 
I had my XXXX  for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called Chase and indeed Chase came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/23, I opened an account with XXXX, placed an order and paid for that order with an XXXX XXXX XXXX. The order was cancelled by XXXX and all monies were returned to the credit card issuer with the exception of {$52.00}. I was not aware of this as I never received a bill, as such a 30 day late was attached to my 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 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected.

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

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 2018-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: PA

Complaint narrative:
DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

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 2018-08-14 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: MA

Complaint narrative:
I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my 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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I put my debit card in the ATM machine at Chase Bank at XXXX XXXX XXXX XXXX. XXXX, TX XXXX ... .I did a cash withdrawl for {$300.00} ... ..I was charged a {$3.00} free and the ATM did not dispense the cash and also debited the amount from my bank account..The door did not open and I did not get a receipt ... .It is on camera ... I tried to speak with the manager and all he told me was to dispute it eith XXXX XXXX  ... .I feel that machine should have been taken out od service ... .Now I am being inconvenienced by having to file a dispute and being told I cant even grt a refund for possibly 90 days by XXXX XXXX because it has to be investigated ...

Company response to consumer: Closed with explanation