vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: UT

Complaint narrative:
Banco Popular has charged us {$450.00} for fees for no reason. When we called to complain, they acknowledged that the fees were charged improperly but have not credited us for them.

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 2019-12-10 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: IL

Complaint narrative:
Equifax has not properly investigated the public record item below. It has been removed and replaced. I am requesting it be removed from my report pending a thorough review.PUBLIC FILINGS	XXXX XXXX XXXX XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-12-10 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have received conflicting information from PenFed on having the interest rate reduced on my PenFed Promise Card. At one point, I was told that if I submitted an application to have my credit reviewed for a credit line increase, this would automatically trigger an APR review. After that, I was told that the only way to get a lower rate is by applying for a new card. As such, I applied to see if I could get a lower rate ( application # XXXX ) and had the agent put in the notes that I was applying for a lower rate on my existing Promise card. I was approved for a lower rate, 12.49 %, which is somewhat substantially lower than the current 15.24 % that I currently pay on my Promise card. That said, they will only give me this rate if I open a new card, not apply it to my existing card. This makes no sense and serves no legitimate purpose since their underwriters have decided that I qualify for this lower rate and can clearly change rates since they do for things like penalty APRs, etc. By requiring the opening of a new card, it harms my credit because I lose the 2 year history I have with my current Promise card AND my credit takes a hit for a new account - even though it is essentially the same account. I want the 12.49 % applied to my current Promise card.

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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
US Bank is a horrible bank to do business with.  Us Bank has refused and dragged out paying me my Escrow Amount  of over $10,000 as it is past 30 days and the still haven’t paid me my escrow amount since I paid off my loan.  To begin with they collected double my taxes and insurance, they refused to lower this amount, and now they won’t pay me the escrow amount since I paid off my mortgage over 30 days ago.  Don’t do business with US bank they are either XXXX incompetent and/or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS							****XXXX	not mine							****XXXX	not mine	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX				****XXXXnot mine	XXXX XXXX XXXX					****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX			****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX	  				****XXXXnot mine	XXXX					****XXXXnot minePUBLIC FILINGS	XXXX XXXX XXXX XXXX XXXX XXXX XXXX	inaccurateCOLLECTIONS	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX XXXX XXXX		****XXXX	not mine

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2019, I received an alert from XXXX XXXX that syncb/paypal has completed an hard inquiry on me and I never authorized it. I've contacted paypal and synchrony bank and no one has a record of it. This has caused my credit score to drop.

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 2019-12-10 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: FL

Complaint narrative:
Transunion is reporting incorrectly a medical collection in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance at the time and this account should report a {$0.00} balance and therefore there is nothing to report as a collection. This incorrect reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.

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 2019-12-10 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: MOHELA
State: FL

Complaint narrative:
On multiple occasions I've used Mohela 's " pay by loan '' feature to submit payment targeting specific loans to have them be paid off so I can save on the interest. Well, rather than submitting payment as I instruct, Mohela will generically submit the payment to all outstanding loans and just push forward my due dates. While I make payments on other loans, the ones that have had their due dates extended simply sit and collect interest. So instead of paying off the loan, months later I'm faced with a large accrual of interest! This is predatory lending and an attempt to keep servicing the debt even after I've given specific instructions to pay off the debt. Mohela owes me the interest thats accrued when the loan should have been paid off. They have misapplied many of my payments over the several years I have been repaying my loans but this latest one was simply the straw that broke the camels back. When you try to communicate, the representatives are either completely untrained or simply indifferent and on several occasions I've simply given up on trying to get something done. Please intercede.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This is my second complaint about Navient. Navient is still violating my privacy and fair debt collection act by calling my relatives and getting into arguments with them about me. On XX/XX/2019at XXXX XXXX EST, one of the Navient members called from XXXX to one of my relatives and got in an argument with him by accusing him of being me. My relative was driving when the phone call came. My relative almost got into an accident because the guy was not hanging up the phone. I have tried multiple time to talk to them but the conversation with them always end up in arguments because they are very unprofessional and never give me an option to resolve the problem. After my first complaint on them they reported in their response they will temporarily stop the calls to my phone but I am still getting phone calls now sometimes even about other relatives who may have a student loan with them. On XXXX I got a phone call from XXXX. Asking for one of my relatives. They admit that it is student loan services and they are looking for this specific person. I have multiple voice mail saved on my phone and different relative phones in which they admit that they are student loan services and that they are looking for these specific persons. They are violating the privacy and they are violating the fair debt collection act of whoever they are looking for. They need to stop harassing me and my family members and they need to stop violating fair debt collection act by calling different people about me and by harassing them and by accusing them of being me. In my previous complain I have mentioned that I have XXXX and XXXX because of Navient harassing me and my family members. They need to stop this defamation and they need to stop accusing people of being me. And they need to stop my relative information illegally online. How do they get the information about my relatives. My relatives ' information was never given to them by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been attempting to resolve my credit concerns since XX/XX/2019 and it is now XX/XX/2019. The car was repossessed, but redeemed in XX/XX/2019, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX  of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies.

I have a loan for a XXXX  XXXX  XXXX  with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/2019 where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mother and father are both and they had a joint checking account at Chase Bank. My mother passed away in XXXX of XXXX my father in the end of XXXX of XXXX, I notified XXXX XXXX The Personal Banker that had called my Father 's cell phone and emailed him telling him he could respond if he needed anything via email or phone on XX/XX/XXXX and returned a voice message left by XXXX on XX/XX/XXXX both times notifying of my father 's death. I advised XXXX that there is a Will ( email attached ) my father passed and that I was filing the will with probate that week and that there was I was the only heir and I was also the executor and that would bring in the letters of testamentary as soon as they were received from the courts. On XX/XX/XXXX my sister who's was named in the will but with no provisions to her from my father went into the bank and was able to withdraw approximately {$3000.00} from his checking account and savings account in addition to receiving information about transactions the account was not closed but the money was withdrawn creating overdrafts etc ... My sister was not a beneficiary on the account it was a joint tenants with rights of survivorship but there were no POD beneficiaries on the accounts. on XX/XX/XXXX my wife and I went into the Chase Bank with the will the death certificates to speak to them and find out how this happened we spoke to XXXX and his manager XXXX works at the branch and XXXX XXXX Texas and they refused to give us information they did take copies of the death certificates and the will and submitted them and said they sent them online for review however they said they would not give us any information until we came back with the letters of testamentary. the following day I emailed XXXX the manager of that location and requested her boss 's phone number due to my sister was able to walk into the bank and withdraw {$3000.00} when she had death certificates but no will and no other information and they gave it this information to her along with the cash yet I couldn't find out any information as to how or why they let her do this. XXXX XXXX response back to us was " Well she didn't do it at this location ''. I don't care where the transactions were completed I care that Chase bank was notified of my father 's death and alerted there was a will, they were alerted differently from XXXX XXXX ( my sister ). At the very least the funds should have remained on hold pending The discrepancy to be resolved. Chase also allowed my sister to cash a check made payable to my father 's estate I'll include a copy of that in the attached documents as well.my sister does have an account there so it's possible she deposited it instead of cashed it but you should be able to research it using the stubthat I'm providing. This is a clear case of your personal banker being negligent by not protecting the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My Student Loan was disbursed in XXXX  for XX/XX/XXXX	Disbursement $XXXX It is now XXXX  I've paid the amount of $XXXX and they are still saying that I owe $XXXX due to interest. I dont think that this make any since and I think that Navient has scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
capital one has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc.
State: GA

Complaint narrative:
I am unable to give the amount owed, which is why I am contacting you. Atlantic Credit Financial does not have a website or method of keeping the consumer informed about the balance of the remaining debt. They are difficult to contact or at least I have been unable to contact them on this day XX/XX/2019. 
I will try again tomorrow and if I am unsuccessful I will stop payments from my bank account ; after-all who wants a continuing bill for life. What should I do about this?

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by XXXX. I have also noticed two hard pulls by amex. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My loan was transferred to this company in XXXX, 2019. I usually make my payments by the XXXX. One month when paying my mortgage, I noticed that if payments are not made by the XXXX there is a {$5.00} fee. If paid the XXXX thru the XXXX, the fee is {$10.00}. If paid the XXXX thru the XXXX, it is {$15.00}. I reached out to the company as this was not in my original loan terms. Per the company, this is a late fee. I feel that this a disguised late fee. If it were a processing fee it should be the same amount no matter when it is paid. There is a late fee if paid after the XXXX, which is understandable. I would appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS	XXXX  XXXX  XXXX****XXXXinaccurate		XXXX XXXX	****XXXXinaccurate	XXXX  XXXX	****XXXXinaccurate	XXXX****XXXXinaccurate	XXXX-XXXX  	****XXXXinaccurate	XXXX	****XXXXinaccurateXXXX  XXXX 	****XXXX   	inaccurate

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 2019-12-10 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: MN

Complaint narrative:
XXXX  XXXX  has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved

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 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

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