vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
Attempted to acquire written proof of debt as allowed by law. Company refused. Company refusing to take any payment less than the full amount or likewise. Company acting unprofessionally making threats to damage my credit. Company does not appear to be licensed in the state of California under assumed name and company refused to provide licensing information. Company tactics are meant to scare and demean person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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:
I have written Equifax numerous times about the reporting of 2 Public Record being reported on my credit report. I have sent the a letter from the Bankruptcy courts stating that they do not report to the credit bureaus and a letter stating this information should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues. 

The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly. 

1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.

3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.

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 2019-02-11 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XXXX, I made a payment of {$2800.00}, and selected the option to apply overpayment to the largest interest rate account, which was account XXXX. This should have paid of account XXXX, but I still saw that the account had a remain balance of {$0.00}. I called Navient to ask them to fix the issue. After fixing the issue, I saw that they changed amount of payment on XXXX from {$2800.00} to {$2700.00}. This is not correctly and I am afraid Navient will only continue to make a mistake to my account. My goal is to pay my student loan off this year, and these errors are causing me to worry about me potentially overpaying for what I actually owe. Could you please help me fix this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX prematurely reported a collection account to Experian, disregarding my request for validation, and prior to the initial collection letter sent to me.

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 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Do not owe this company anything, requested validation and nothing received. Please help AD Astra Recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
my mortgage payments are {$78000.00} a month we had a bad few months, so i was paying {$700.00} a month and 4 months, later Huntington bank was trying to foreclose on our home with letters, i could not figure out what was happening, so i called them they had told me i had not been paying my payments, the 3 {$700.00} payments, just sat there, the XXXX, mi branch took my money, and all was good, then when i talked to them oh they had to tall XXXX oh, because they did not take care of that any more, i talked to a XXXX in the XXXX mi branch, he has yet to even call me back and get this straightened out, so i dealt with XXXX oh and finally got back on track, they said because i was not paying my payment in full they could not apply it to our acct,????? really, they actually mailed 2 check from Huntington bank in XXXX and XXXX back to us, instead of applying the, so they finally after my calls canceled them and once i pd {$86.00} on XX/XX/XXXX they applied one payment, then on XX/XX/XXXX i pd another {$170.00} they applied 2 more and then i pd {$780.00} plus {$100.00} late charge and they applied that one, the XX/XX/XXXX payment of {$700.00} they pulley out and reapplied that one, so finally on XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX payments got applied .I still owe for XX/XX/XXXX payment, every month because they wrote us up in the credit bureau and have ruined our credit, over not applying that money to our acct.i think they need to be fired for screwing peoples lives up, i will never recommend this bank to anyone, and i feel they need to correct this,. computers are only as good as the person putting in the info., i have never heard of a bank refusing money, because they can not apply to the balance, crazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
Our Social Security checks come in on the second and third Wednesday of each month.Our bills come in various times of the month. The bank pays them and charges an " overage fee '' of {$36.00} for each even for a {$10.00} church donation. When SS checks come in, they take their money first instead of first paying current bills. This leaves us in a spiraling downward hole. Our SS checks are enough to pay our bills for the month if they would let us and then pay the overages. There is always that occasional bill that we did not expect that they pay and then charge us which starts the spiral downward and we can never catch up. We have no other income and pay our bills on time but the bank won't let us because they want their money first. Although the money is in the bank when our mortgage is due, they did not pay for two months for the same reason which put us in jeopardy with our mortgage lender. 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 2019-02-11 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: TN

Complaint narrative:
FOR YEARS Chase has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to Chase during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM!

Apparently, I had an account with Washington Mutual ( WAMU ) and it contains minute residual funds. Chase apparently acquired WAMU in a  merger/hostile take over which gave them access to my identifying information. Instead of Chase sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and XXXX. The reason is that the name used ( XXXX which as a woman and a SR I've never actually used ) is only shown on my XXXX   report and XXXX was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did have a fraud on my account on XX/XX/XXXX. I contact the bank to info they asked me to open a new account to transfer the funds between the investigation. They explain to me the credits received in that account will be transfer to the new account during the investigation, they lie. I received over {$2000.00} on XX/XX/XXXX and XX/XX/XXXX, I have that credit frozen on my old account with a hold over {>= $1,000,000} between my saving and checking account. Bank of America just closed the claim with out asking me any proof of the fraud I did have on my cell phone.

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
Someone know my last digit social society number I got a mail in where someone try to put something in my name I have call these company and let them know I have not place no order. I don't know if this person got a credit card in my name the ending of the card is XXXX I don't know who the credit card that is. I have seen on my credit report look like someone try to get a loan I have not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: NY

Complaint narrative:
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX card ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively. 

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX XXXX  ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it 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 non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made several attempts for XXXX XXXX XXXX XXXX to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. Homedepot lost/never cashed check. I tried to request that they waive penalty fees and they refused. Citi Bank/Home Depot sent a settlement letter which was again paid by escrow company. Check was cashed by Home Depot and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.

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 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am unaware of this account being opened on XX/XX/, 2013. It is showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
The company involved is Zions Bancorporation, N. A. The issue is the fraudulent way they go about requesting proof of insurance. I would say at this time, the problem is systemic within the industry. The scam goes like this. Your mortgage company request proof of homeowners insurance for a mortgage. However, they require that it be sent by facsimile only. WHO USES FAX IN THIS DAY AND TIME? I am surprised they don't request a stone tablet. Anyway, it makes it too convenient for the mortgage company to say that they never received the fax. THEN, they charge your mortgage balance for insurance. They don't tell you exactly, and you would never know because your payment never changes but the banks and mortgage companies are pocketing millions in fees. I know because I check my account. ALSO, this is the second time that this has happened with this particular organization. And the last time, they vowed that they would take emails. THEY LIED. All companies I have ever done business with employ these tactics to take advantage of poor and unsophisticated mortgagors. There should be a law against this 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