vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
" " '' I have disputed this Charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have had a checking account, with a check card/debit card, and credit card with Bank of America for 18 months. I have always maintained my account ( s ) in the utmost financial responsibility. I have never had a late charge, over draft, missed payment, retruned deposit, or any other problem. My average deposits have never dropped below those required to maintain my account.

To the contrary, within the past 30 days, Bank of America has increased my credit limit from {$1000.00} to {$3000.00} without having requested it. The bankpersonell at the branch on XXXX in XXXX have praised my account and have been trying to get me toengage in other bank services. 

Social Security deposits my m, onthly benefit every month into this account. 

Out of the blue, with no explanation and with no reason, I received a letter from the Bank stating that my account ws being closed, incldiung my credit card for which I was just 3 weeks ago charged a yearly renewal fee, in 3 weeks. 

The Branch Manager and officer told me that they could find no reason for such action, and felt it was wrong, but could do nothing about it. No one can give me a reason for this action which will severly and adversely impact me and my SSA payments. 

This is egregious and wrong. By the way, I do not have a copy of the letter because the Bank Branch Manager has it.

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 monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Paypal Credit. 
Purchase date XX/XX/2018 Purchase amount {$340.00} Special Financing. No Interest if paid in full by XX/XX/2018. 

Payments made : XX/XX/XXXX : {$56.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$200.00} None of these payments were applied to this purchase. Called and talked to Paypal Credit both the initial responder and the supervisor said I must call in within the billing cycle of a payment and request it to be allocated towards the specific purchase. Otherwise, it goes towards the rest of the account 's balance by default. I feel this is a very deceptive way to keep promotional purchases from being paid off in order to charge interest. Plus, this line of credit can only be used online, yet I can not allocate my payment online? 

I can not find any documentation referring to any of this on my statements or online.

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 2018-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: PA

Complaint narrative:
My auto loan started in XXXX ... ..Key Bank has sent me forms to set-up auto-pay ... .I have filled out the forms and the first time they said they did not receive the void check to verify my numbers ... .yet I provided all routing and account # 's ... .So they charged me a late fee ... ..waiting for auto-pay to come out of my account which I provided ... ..did not happen again .... charged me a late fee ... .said it takes 2 months for it to process ... .paid 2nd payment with late fee ... ... sent paperwork out again, said my wife needs to sign letter because her name is also on the check ... .not for signature just on the address part ... .They want me to do paperwork ... again ... ..This is nothing but a scam to charge late fees!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I mailed a request for my credit report with id info to Equifax. I have not received a report as of today ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. XXXX. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then XXXX since I have had credit and I am in my XXXX 's

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 2018-10-12 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: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a  convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXXXXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/18 Barclays Bank XXXX XXXX XXXX C/O Office of the President XXXX, DE XXXX Att : XXXX XXXX Executive Re : XXXX XXXX DOB :  XX/XX/XXXX SS # XXXX XXXX XXXX Dear Mr. XXXX, I am writing in reference to a problem that I have been having with Barclays since XX/XX/2018 and still has not been resolved. 
I had a XXXX Credit Card account with was serviced by Barclays. The servicing was sold to XXXX XXXXXXXX XXXX which I was unaware of. I made an on-line payment on XX/XX/18 for {$100.00} to Barclays from my XXXX XXXX account which should have been sent to XXXX XXXX XXXX. 
I have been trying since XXXX to have Barclays reimburse me for the {$100.00} or at least forward the payment to the correct bank. A XXXX XXXX agent and I have called Barclays Bank many, many times to get this resolved. XXXX XXXX sent proof of payment numerous times. We have spoken to staff and Managers at Barclays Bank named : XXXX, XXXX, XXXX, XXXX, XXXX and countless others who have acknowledged receipt of the payment. 
I was promised by them that I would have a credit within 2 days ( that was back in XXXX ). I called again on XX/XX/XXXX and then I was told that it takes 90 days to process the refund. The 90 days was up on XX/XX/18. I called on XX/XX/XXXX and spoke to XXXX who advised me that we need to send proof of payment AGAIN to the Research Department. As previously mentioned, this was sent by XXXX XXXX numerous times and receipt has already been acknowledged by Barclays. 
This is the most frustrating experience I have ever had with any bank. I keep getting the run around from all the staff members. XXXX has attempted to be helpful, but could not explain why we have to sending proof of payment again and again with no results. I just keep receiving empty promises for a refund. 
I also sent a letter to Barclays on XX/XX/18 and to date have not even hard the courtesy of a response. 
I am pleading with you to please have someone in Management look into this situation and have it resolved once and for all. 
I look forward to hearing from you and appreciate your assistance, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.Y. XXXX XXXX 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 2018-10-12 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: CA

Complaint narrative:
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I  have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's

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 2018-10-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.

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 monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In XX/XX/XXXX, I pre-qualified for a VA Loan for {$140000.00}. I found a house in XX/XX/XXXX, was under contract. I made an earnest deposit for {$1000.00}, and paid {$450.00}, for an inspection, and then another {$450.00} for the VA appraisal, passed inspection with a minor issue, which the seller resolved immediately. I received a list from the loan processor, about what needed to be done, in order to close on the home. The issue that came up was that I needed {$4500.00} in closing cost. The loan processor told me that it would okay to apply for a personal loan to cover the cost. I was approved at a different bank, and I forwarded him the loan papers, and the bank statement showing that the funds are in a bank account. He called me the next day and told me that the credit review team wasn't going to grant me the VA loan, because of the personal loan, in which he advised me that it wouldn't be a problem. He offered me, a different loan called military choice, I agreed to avoid losing the home. Then he called me on XXXX XXXX, and advised that I was not getting a mortgage at all. I have been with my employer for 2 and 1/2 years. I work year round and showed proof that I will be receiving a raise in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a Home equity line of credit with PNC Bank. The minimum payment increased 30 % from XXXX to XXXX. The current balance is {$22000.00}. The new minimum payment is {$450.00}. There are 86 months left on the repayment. If I would make the required minimum payment, the loan would pay off in 55 months. I typically pay more than the minimum but i should have the payment flexibility agreed to in the original note. 

PNC could not give me an adequate reason why I am not afforded the entire repayment term

Company response to consumer: Closed with explanation