vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Have filed many disputes and complaints in order to correct the information shown in the attached letter as well as remove hard inquires that were NEVER authorized.

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 2017-12-11 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
I contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: WA

Complaint narrative:
Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: CA

Complaint narrative:
Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. 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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have repeatedly contacted XXXX XXXX and asked them to send me proof that XXXX accounts belong to me. They are XXXX duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to XXXX XXXX. I informed them about this, yet they refuse to remove the accounts. I contacted Equifax about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: AES/PHEAA
State: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 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: CA

Complaint narrative:
Last XX/XX/XXXX, I sent a letter to this credit repository to request an investigation on State Tax Lien ref # XXXX. On my letter, I informed this company that, " Verified with the court that this item has been withdrawn last XX/XX/XXXX. Also verified that my SSN nor my date of birth is not by any means linked to this items. Your records are incorrect and unverifiable and per the XXXX XXXX XXXX XXXX, this item should have been removed last XX/XX/XXXX. ". Upon checking on my credit report today, XX/XX/XXXX, the incorrect item is still reporting. XXXX and XXXX are reporting the same incorrect lien and I sent both of them a dispute letter also on XX/XX/XXXX. BOTH XXXX AND XXXX  DELETED THIS INCORRECT LIEN. What makes this valid? What investigation process did this company do? Why would the other bureaus delete an incorrect information and this company did not? This a violation of FCRA. The date shows on my credit report as XX/XX/XXXX, proof no investigation was conducted.

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
According to the letters that Chase has sent out, they closed my account on XXXX/XXXX/XXXX, after reviewing an application submitted for the XXXX credit card product. I spoke with a lending team member on XXXX/XXXX/XXXX. The representative informed me that she was not willing to reinstate my accounts for having too many accounts and that I was not putting charges on their cards with annual fees. I was extremely confused, and felt unfairly treated ; my FICO score is higher than XXXX, I have never defaulted on a payment, and I paid the annual fees for the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loans are currently in Forbearance and I called Navient XX/XX/17 at XXXX XXXX to get a lower payment agreement made because my forbearance ends this month. I spoke to a pleasant young lady and I told her that I am certainty unable to pay {$1200.00} a month for my student loans. 

I told her how much that I knew for sure that I was able to pay and she told me that that the least I could pay was about {$480.00} a month. I told her that I was unable to pay that amount per month and she told me that I could make a payment of any amount, however if they payment is lower than the required amount then it would still be considered past due. She did offer the forbearance option and I declined. I do not want to prolong paying my student loans Excuse me, how are you telling me what I can and can not pay. I am trying to give this company money for a payment, however it is not enough to their liking. I have Grad school loans and undergraduate school loans with Navient and I am willing to pay a certain amount, just not the {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
WHEN I REFINANCED MY LOAN WITH XXXX MORTGAGE UNDER THE HARP ACT, ON XX/XX/XXXX, I UNDERSTOOD THAT A NEW APPRAISAL WOULD NOT BE NEEDED. SO I ASSUMED MY ORIGIAL APPRAISAL FROM XX/XX/XXXX IN THE AMOUNT OF {$87000.00} WOULD BE APPLIED TO THE LOAN. SO WHEN I CALLED TO REQUEST THE PMI BE REMOVED BECAUSE I AM AT 80 % XXXX, THEY TOLD ME MY APPRIASED VALUE WAS {$77000.00}. WHEN I ASKED HOW THEY GOT THIS NUMBER, THEY SAID IT WAS THE " SALE '' PRICE, OR THE PRICE OF THE LOAN THAT THEY USED. I 'VE BEEN IN CONTACT WITH, XXXX MORTGAGE ( ORINGAL LENDER ) /NATIONSTAR/MR. COOPER, FOR SEVERAL MONTHS, TO NO AVAIL. THEY KEEP TELLING ME THAT THERE IS NOTHING THEY CAN DO. I BELIEVE THIS IS UNFAIR AND DECEPTIVE, AND I WOULD LIKE SOMEONE TO TELL ME IF THEY ARE CORRECT, THAT THE LOAN VALUE CAN BE USED AN APPRAISAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
In XX/XX/XXXX I received a phone call from XXXX XXXX regarding a debt. The man I spoke to said he was trying to collect a balance that was delinquent of {$1700.00} from XXXX XXXX. I told the agency that I do n't have an account with XXXX. I never requested an alarm system. I told Hillcrest to send a copy of the contract I supposedly signed. Hillcrest said it had to request the copy from XXXX.Till this day I have n't received any paperwork. I called XXXX on XX/XX/XXXX spoke to XXXX regarding a copy of the contract she said I had to go through Hillcrest. I told XXXX that Hillcrest said they had to request it from XXXX. I asked to speak to a manager. I spoke to XXXX she is a supervisor. XXXX told the same thing XXXX said. Then I asked to speak to XXXX 's manager. I spoke to XXXX the manager. She said she would email me what documentation she had by end of day. I 'm still waiting. I never spoke to XXXX XXXX in person, by phone, email, etc regarding an alarm system. I never authorized XXXX XXXX to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performance Settlement, LLC
State: MI

Complaint narrative:
I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
It started XX/XX/XXXX when I seen charges to my checking acct I called in made a disputed over insurance companys charging my debit card XXXX dollars that is just in 45days I never atherised that I am on XXXX I am XXXX so I just get paid once a month that act like I am lieing to them and they would take small amount s out and now the bank has charge meXXXX dollars that was my check and know it is XX/XX/XXXX and nothing has been done can not pay bills or groceries they do not care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX Citibank contacted me. Customer reference number # XXXX. They stated that I was enrolled in an optional credit protection and I was charged a monthly fee. This was never listed on my monthly statements. I submitted my claim and I was enrolled without my knowledge. On XX/XX/XXXX, I received a credit of {$1400.00}. They have not provided me with a statement of how they arrived to this amount. I can not obtain any additional information. I 'm concerned that XXXX XXXX and XXXX has the same business practice.

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 2017-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a home equity loan with Wells Fargo and they require that I send them proof of flood insurance since I 'm in a flood zone. I have faxed, mailed and tried to upload a copy of the policy onto their web site ( which does n't work ) and they continually tell me they did n't receive it and are charging me for flood insurance. I 've called repeatedly and other than tell me that they will " research '' the matter nothing gets done. In addition, when I asked them to tell me the name of the regulatory agencies that I can file a complaint with they refuse to provide me with this information. This is predatory behavior and should be illegal and punished!

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 2017-12-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. 
They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.

Company response to consumer: Closed with explanation