vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 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: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my 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 explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX  XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from 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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from 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 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Tuesday XXXX XXXX, 2017 I went into my Chase bank branch. Made a wire transfer from my account in the USA to my account abroad, XXXX. I have wired money before and it has taken two business days.
The transfer did not go through after two business days so, I called the branch on Thursday X/X/17. They told me that technically they have until X/X/17, but that they will look into it. The branch manager called me back and said that all was good that the money had been released.
I arrived into XXXX X/X/17 and no still no money ; I was to close on a home here today X/X/17 and nothing.
I called on X/X/17 to inquire about wire transfer, they said it should be released within 1 hr. Monday X/X/17 still nothing, they said it was out of their hands and that I should call the Chase Wire department.
I called the Chase Wire department ( this international call will cost me a lot of money ) and they said that the wire transfer should be here by X/X/17 ; and still nothing.
Today is X/X/17 and nothing. This is ridiculous, I am stuck abroad, with no money.
**The worse part is that within the phone calls made, I have spoken to several representatives, some passing me on to others, and some even telling me that the transfer does not exist on my account.
For example yesterday I called XXXX, one customer representative said that the money was released X/X/17 ; when I inquired about the delay, she passed me over to another  representative, the other representative told me that she did n't know what transfer I was talking about since she did not see any wire transfer- as you can imagine I was upset. This representative suggested that she contact he branch manager to inquire about this.
She called he branch manager and his response was that the wire had gone through and that I should have the funds available today X/X/17.
That international call lasted over 55minutes. There is major miscommunication between the representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
with Equifax For the past week I 've been trying from XX/XX/XXXX - XXXX-XXXX 2017 to initiate online disputes for 4 medical collecations that have all been removed from XXXX and XXXX. They have such high volume calling I ca n't get through and you can not initiate the dispute f I 'm the app or web portal. I 'm a paying member of their site and ca n't get disputes started with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The problem lies in the fact that the interest rate is more than my payment, I can not afford double payments and with my minumun payment they are still charging me {$400.00} per month in interest. I have had a student loan for over 20 years now and no matter how I try to pay it off- ll it does is increase. I had many deferments and the company kept charging me interest on the loan. My loan has increased over 20, 000.00 in interest alone. When I contact the company for help all they offer is a plan with lower payments and that does nothing when interest is still collecting. I also am supposed to renew my loan terms yearly and never receive anything in the mail, and they make it difficult to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a 2 Checking a 1 Savings Account with Chase Bank. I managed the accounts properly never having an issue with the bank. I noticed that there was some unauthorized activity on my accounts and I contacted Chase. They opened up a dispute for me and suggested I open a new account and close the existing accounts.I was waiting on my direct deposit to post and then I would close the accounts.I go to login and was restricted only to learn later that Chase closed all of my accounts. I received a letter in the mail stating that I had not returned paper work timely. The thing is, no paperwork was ever requested from me. I feel as if I have been improperly targeted by Chase Bank. I feel embarrassed, discriminated against, and violated by the actions that Chase has taken against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc.
State: CT

Complaint narrative:
My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: AL

Complaint narrative:
I paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: MD

Complaint narrative:
I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXXand XX/XX/XXXX.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Westlake Services, LLC
State: NC

Complaint narrative:
I paid Westlake Financial a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation