vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
in XX/XX/XXXX XXXX XXXX XXXX service my loan to XXXX, I was behind with XXXX around {$5000.00}. I work with XXXX with a trail modification to pay {$1100.00} a month for a year from my regular payment of {$1400.00} paying XXXX. After the trial period with XXXX ( XX/XX/XXXX- ) it was agreed to put my arrears on the back end of my loan, reduce my interest rate for 6.5 to 3.5 and to keep my payment at {$1100.00} until my maturity date. I sign the paperwork and also signed my husband name because he was on the road. After I received copies of the document I signed it was different. my balance went from XXXX owe to XXXX owed with the interest rate staying the same and a balloon payment of $ XXXX after my loan maturity date. I got the paperwork from the new servicing company Select Portfolio Servicing company. I immediately called Select Portfolio and spoke with a loan specialist and I was told to rescind my modification agreement which I did by email and by fax. I separated from my husband and moved to Texas in XX/XX/XXXX. I recently inquired about my credit and it states that I still have a balloon payment mortgage. I believe I was a victim of predatory lending scam from XXXX and now with Select Portfolio Servicing company. I also kept some of my payment statement and it shows my unapplied funds instead of being subtracted from my balance owe it was added to the balance owe making my total amount due more and I do n't think my trial modification payment or my forbearance payments was not properly applied. My maturity date is XX/XX/XXXX with $ 36k+ owing. So with my credit history and my Husband credit history we will probably not be able to secure a loan for $ XXXX at the end of my mortgage agreement to pay for a balloon payment and will probably go into foreclosure and lose a house we owned since 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 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Issue # 1 : In XXXX, I physically walked into the Suntrust Bank branch located at XXXX XXXX XXXX XXXX, XXXX, NC. I deposited {$1900.00}, prior to the cut off time, with a bank teller. On the following day, I checked my account and the funds were not available. I had to physically go back to the location, only to be told that the teller made a mistake and my funds were accidentally looked over. I spoke with a manager and was given a temporary memo credit until the issue was resolved. The teller who conducted the transaction admitted that the mishap was her fault. Issue # 2 : On XX/XX/2017, I deposited {$800.00} ( 40 XXXX dollar bills ) into the ATM at the Suntrust Bank location on XXXX XXXX XXXX, XXXX, NC. The ATM gave back 10 of those XXXX dollar bill and read an error message that suggested that I contact my financial institution. A receipt was not given. Currently, there is a temporary credit of {$600.00} showing in my account and I am being told that the case will be resolved in 10 business days. Several customer service representatives with Suntrust Bank have relayed to me that there is a {$75.00} fee for changing payroll dates after it has been processed, even if it is a paper check. I would like documentation showing that this is the bank 's policy. As a XXXX XXXX XXXX, I am concerned about how this corporation operates when it comes to deposits and payroll transactions. As a customer, it is inconvenient for me to have to worry with whether or not my money is being handled in a manner that is ethical. Thank you.

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 2017-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. <P/>I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: MD

Complaint narrative:
My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have made several attempts to contact this company starting XXXX/XXXX/2017 then again on XXXX/XXXX/2017, XXXX/XXXX/2017 and on XXXX/XXXX/2017 because they are reporting negative information on my credit reports. I have asked them to provide me with proof that the account they claim is mine, which it is not and they have not provided me any viable evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 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 — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX has been notified six times of the error regarding XXXX XXXX/XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX/XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX XXXX. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX XXXX. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, XXXX CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I signed up for XXXX XXXX in 2006, and I was told that I needed more money than the {$4000.00} federal loan I was eligible for. XXXX told me that I needed to get a plus loan, but I was unable to do so due to being XXXX years old at the time and considered a dependent, and neither of my parents were able to sign on the loan. XXXX told me that they would cosign on the loan, and they then enrolled me in courses. I went to 2 classes and then was unable to continue going, so I withdrew from classes, and was told everything was taken care of. I found out a couple of years later that XXXX did not withdrawal me as they said, and took the full amount of loans for that semester. I received a call from XXXX XXXX, who was the servicer at the time, and they told me that my deferment was up and I had to start repaying my loans. I was very confused by this since I had been told I was withdrawn, and all funds were cancelled due to not being enrolled for even a full week. I attempted to explain this to XXXX XXXX, but they refused to listen and bullied me into making payments that I could not afford as I was a full time student at XXXX XXXX XXXX, XXXX XXXX by that time. I made a few payments until I decided I should not be being forced to pay back a loan that was disbursed under fraudulent means. Now, Navient is the servicer for this loan, and I am being consistently charged interest and is showing up as a {$13000.00} debt, when the original amount was for {$3800.00}. I have been attempting to fight this with both Navient and the credit bureaus without success. Another interesting fact is that this loan is not showing up on my FSA loan list, even though on my credit it is showing as a student loan. Frustratingly, I was young and stupid and did not properly hold on to all of my documentation, and everything that I had has been lost in the multiple moves I have made over the last 11 years. Now I have seen that there is a Class Action lawsuit against Navient and I found information on how to report a dispute to you. <P/>Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017.  They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both Midland Funding LLC and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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