vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: MA

Complaint narrative:
XXXX XXXX XXXX Information - Preauthorized Checks - XXXX XXXX, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an Overdraft fee on my account. I was told even though two checkcard transactions were not posted to the account and were still pending, I got an OD for a XXXX transaction that occurred on the XX/XX/XXXX which left my account negative - {$1.00}. The fee was {$35.00} I called to see about getting the fee reversed Spoke to XXXX at approximately XXXX XX/XX/XXXX. Bank of America. representative refused to assist stating that BOFA does not do courtesy refunds, and this is not a bank error. However I believe it is a bank error. A deposit was scheduled to go into the account on XX/XX/XXXX however it did not show up until the morning of XX/XX/XXXX ( Convenient for the bank ). There was also two other deposits done through the mobile app, that were showing a posting date of XX/XX/XXXX. Because of the delay of the deposits, and also the bank allowing checkcard transactions to go through ( when I specifically did not ask for Overdraft Coverage ) I was charged an Overdraft. I told the representative this was a violation of the Dodd-Frank act which is supposed to protect consumers in situations like these and not allow checkcard transactions to go through, so that banks could charge fees. She disagreed, stating that it was the paypal transaction that was done on the XX/XX/XXXXthat I was charged a fee for, even though the amount was only {$1.00} in the negative and there was 3 deposits pending. If this is not abusive and predatory, I don't know what is! She told me if it was XXXX XXXX, then I would have still gotten a fee. After waiting a very long hold time, I finally spoke to a supervisor, named XXXX. He expressed he did not think the fee was predatory but just an oversight on my part and recommended that I keep a ledger to keep track of my transactions better. 

It may not seem like a lot of money, but the reason for my complaint is, if this could happen to me for one small fee and overdrafting my account for only {$1.00}, I can only imagine how many other people are being treated unfairly. This is the first time I have ever asked for a courtesy reversal, and also the first time I can recall ever having an overdraft. 

The representative was rude and cut me off several times mid sentence not allowing me to finish my sentence, and i was put on hold so I could register a complaint, and then put on hold again after asking to speak to a supervisor. The call in total lasted 1 hour and 18 mins, most of that time on hold waiting to speak to someone. Besides the poor customer service, this is completely unacceptable and in my perspective a violation of the Dodd-Frank Act.

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 2018-04-04 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: ME

Complaint narrative:
I am ready to repay my student loan and have access to an online portal to repay the loan but it does not allow me to repay online. The company charges high percentage fees for any payment method other than paying directly from my checking account but when I attempt to use this payment method, I am unable to pay the loan because the balance incorrectly displays as {$0.00}. I have tried to use the live chat that is available and it does not load before the system times out my log in. This is very frustrating because I feel they are able to collect more interest on my loan when I am ready to pay it off. I have attempted to pay off this loan 4 times in the last 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX onXX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX/XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. ALL INQUIRY NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: SC

Complaint narrative:
Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: MO

Complaint narrative:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and Transunion.

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 2018-04-04 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: MO

Complaint narrative:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX  to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, Equifax, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: MO

Complaint narrative:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus Experian, XXXX, and 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 non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!

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 2018-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I initiated a dispute with Transunion regarding the reporting of a bankruptcy on my credit file. The dispute was submitted on XX/XX/2018 and I was notified that it had to be processed manually. I have yet to receive any follow up within the 30 day window for this dispute. I understand that it may take additonal time and waited until the 45 day mark. It is a few days away from the 60 day mark which is unacceptable. Transunion should be very well aware how costly inaccurate items on consumer credit reports can be. I have attached the confirmation page I received from submitting the dispute on XX/XX/2018.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to close out my account on XX/XX/2018, when the bank advised me that everything had to be paid out before closure. I said okay, but I need all the NSF fees and any related fees removed as I had added a STOP payment and STOP ACH which means nobody should be allowed to take money out, therefore not causing me to have any type of fees. The bank failed to fulfill that and I have been charged fees ever since and I have not used the account in over three months. I advised them I refuse to pay unless all the fees are taken care of. I spoke to XXXX over the phone and she stated she submitted a ticket and all fees should be reversed as soon as possible, this never happened. I went to a branch and they state to just keep calling, I don't have time for that. I was told all fees should be reversed and that my account could be closed once I pay off the balance. I want to close my account once the fees get taken care of.

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 2018-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage Has a Correction Agreement Limited Power Of Attorney that is not legally stamp nor sign by a Notary which is left blank. There is on the page sent to me by Wells Fargo Home Mortgage limited certificate attach to what page or what document there is no such page or no reference to what page or what document it is attach to. Wells Fargo Home Mortgage just sent this document after years and 7 months of filing with CFPB requesting documents. The Correction Agreement Limited Power Of attorney is not legally binding due to errors no Notary stamp nor sign by the Notary. As to the California All Purpose Certificate of Acknowledgement document is not my signature and is forged as if it is these to documents that Wells Fargo Mortgage is stating there both in error as well as forged any one can see that the California All Purpose Certificate of Acknowledgement is filled in and sign by the same person. The Correction Agreement Limited Power of Attorney has a total different signature that is the CAPC to make the loan legally binding. That document is not my signature nor sign by me to make the loan legal and as to the Correction Agreement Limited Power of Attorney is not notarized by no notary nor stamp by no notary which both documents are not legally binding there was forgery by the notary in which I have had file with the Secretary of state to the notary that filed and sign my name and said I personal appeared if I was there why is the Correction Agreement Limited Power of Attorney not sign by the notary and stamp and why did some one forge my name and said I personally appeared and sign any one can see that the documents I sign is all the same and this document has been forged as well this is not no legal binding contract. 
Wells Fargo Home Mortgage has yet to provide from a document place that the CAPC of Acknowledgement is my signature and has not yet provided no such proof to make this loan legal and the instrument a legally binding contract. There has been forged documents by the Notary/ Wells Fargo Home Mortgage XXXX Now that this last document was sent I can pursue legal matters and legal action on Wells Fargo Home Mortgage

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: WA

Complaint narrative:
I received a collection notice from XXXX. XXXX XXXX, XXXX. I wrote to XXXX. XXXX  on XX/XX/2016 and requested via certified letter that I '' m disputing the debt and that they please verify the debt as required by the Fair Debt Collection Practices Act. 

I never received a response back from XXXX. XXXX XXXX, XXXX and proceeded to send dispute this collection directly with the 3 major credit reporting agencies ( XXXX, XXXX, Transunion ). 

I provided the same materials that i'm including in my complaint to the credit reporting agencies and XXXX  as well as XXXX both removed the collection from my credit report. 

Transunion is refusing to remove the collection from my credit report which violates the Fair Credit Reporting Act. 

Please help me bring this issue to a close.

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