vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
We contacted our bank which our home loan is through to let them know about our situation change- going from 2 sources of income, to only one. ( I had gotten laid off from my job, then I got very sick and was in out of hospitals ). After HOURS of going to different branches trying to make a mortgage payment, only to be told we dont know why we cant process your payment only to get returned check fees and no one returning our calls, I made myself sick from all of the stress, XXXX, and helplessness I felt! I literally left 5 vms yelling and begging someone to PLEASE call me back so we can pay them!!! Guess what? NO CALL, and now a foreclosure letter demanding an insane amount of money within 30 days, or our house could be sold!! I called that COLLECTION company over 5 times only to get the run around and some young girls sounding like they are reading a script and tell me sorry we cant help you. I am so lost for words and just want to be treated like a human, is that too much to ask???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TX

Complaint narrative:
XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the Equifax Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called Equifax, and XXXX   repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, Equifax, and XXXX. Neither Equifax, nor XXXX have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX refuses to take my identity theft report which indicates that the Chase account is a result of Identity theft. XXXX keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told XXXX and Chase that I refused to pay for something that is not my fault nor is it something I caused. I believe XXXX and Chase have a secret agreement because XXXX is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. XXXX needs to Remove the Chase account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX XXXX Ref # XXXX XXXX. XXXX XXXX XXXX XXXX Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # 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 2018-05-11 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: AES/PHEAA
State: WI

Complaint narrative:
I am on income driven repayment and received inadequate notice from my servicing company regarding the critical deadline that was approaching for my annual recertification. I received absolutely no US Postal mail from the company, no phone calls, or text messages. The only notification I received  was an email on XX/XX/XXXX with the unspecific subject " Action Required : View the message in your Paperless Inbox and take action! '' Unfortunately this email was received after my loan servicer had already capitalized all my outstanding interest ( interest capitalization occurred on XX/XX/XXXX ), and had also increased my monthly payment from {$320.00} to {$2300.00}. I received no notification from the company that either of these two major changes to my account had taken place. I had to discover these changes for myself by logging into my account. Upon calling my servicer on XX/XX/XXXX, I was told my only option was to go into forbearance while they reviewed my now submitted ( submitted XX/XX/XXXX ) annual recertification I was also told to call my bank and do a stop payment for the payment that was due the next day. I did inform my servicer that I could still make a payment, just not the full {$2300.00}. My servicer told me that there were absolutely no negative ramifications from going into forbearance. After my initial call is when I discovered that the interest had already been capitalized. I called my servicer back ( still XX/XX/XXXX ) and they said there was nothing they could do to undo the capitalization of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
It all started when i attended XXXX XXXX in XXXX. Then the school shut down a week before i got my money but i was still charged XXXX dollars that was paid. I moved back to XXXX staterd attending XXXX XXXX College XXXX XXXX campus they kicked me out of school due to nonpayment on the XXXX loans the tax form i have says i paid XXXX dollars back in loans and XXXX dollars back in grants. I finally after a month got to go back to XXXX and recieved a small portion of my loans and grants XXXX dollars out of XXXX dollars worth. They never did give me the rest i was top of my classes they kept giving me the run around so i am currently struggling to transfer to XXXX XXXX College XXXX XXXX. School for summer classes starts in a few days they have been acting like they arent getting my transcripts finally got those then it was a problem with my test scores got those then they email me about my trabscript being incomplete so i went to XXXX and they maticously had everything now im still trying to set my classes up with them. It has just been very difficult ever since XXXX XXXX and all im trying to do is get a degree in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # 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 2018-05-11 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: NJ

Complaint narrative:
Experian refuses to take my identity theft report which indicates that the XXXX account is a result of Identity theft. Experian keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told Experian and XXXX that I refused to pay for something that is not my fault nor is it something I caused. I believe Experian and XXXX have a secret agreement because Experian is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. Experian needs to Remove the XXXX account 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 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I had a XXXX  credit card with XXXX XXXX. A few years back I upgraded my credit card to the XXXX XXXX with XXXX XXXX and closed the regular XXXX account. Back in XX/XX/XXXX I was in a XXXX store and did not have my credit card with me so I asked if they could look up my card and pay for it that way. They did, but did not tell me that they were looking at my old account and that they could not look up the XXXX. So, I made a purchase of {$65.00} on XX/XX/XXXX with them having looked up my account. Then, on XX/XX/XXXX I made a return of {$56.00}. On XX/XX/XXXX I was in the store again and did not have my card. Because they were able to do so the first time and did not tell me it was the regular card, I made a purchase for {$34.00} and then again another purchase for {$81.00} on XX/XX/XXXX in the same way. Up to this point, I had not received a bill or email saying I needed to pay a bill because the account was supposed to be closed. I never thought to login online because I had been using XXXX   XXXX online, which I consistently pay every single month and have not missed one payment. I received a late fee of {$9.00} on XX/XX/XXXX, still not knowing a payment was due. On XX/XX/XXXX I received another late fee of {$14.00}. This time I started receiving phone calls from a number I didn't know and eventually they called my parents house and my mother answered, it was XXXX. That is when I finally found out that now I was 30 days late with a payment on a card that I didn't know payment was due. About that time I called XXXX customer service to try and resolve this issue and get some of the late payments taken away - not realizing that I now would have a delinquent account on my credit report. The man I spoke to, was able to remove the last late fee of {$14.00} but did nothing else and did not warn me about the delinquent account. I recently tried to apply for a loan and got denied. I couldn't understand why. After checking my credit report, about 2 weeks ago, my score had dropped more than 100 points and i now had a delinquency on my account. I immediately called XXXX XXXX. The woman I spoke to was amazing. She spoke to a higher up person and they said they would remove the delinquency from my account. I am not sure how long this will take or if they actually will do this, but I feel as though this needs to be handled. I pay everything on time and one mess up, that I really had no control over and did not know about, has now effected my credit score and report dramatically. I want to make sure this is taken care of. I do not have the account number because I don't have access online and the automated system would not give it to me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I recently had my PNC debit card stolen and misused. PNC took care of the problem and returned my stolen funds. I then transferred money out of the account. The bank made an error and supposedly returned more than they should have. Okay, so now theyre telling me I have an overdraft in the amount of {$4900.00}. I didnt write any bad checks or anything like that to get this overdraft. I simply transferred money from my account that they said was available. If it wasnt available to me, then thats PNCs mistake, not mine! I only went by what the bank told me was mine. I didnt think Id have to check their math! The money is out of my hands at this point. They need to own up to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
1. IC System Inc XXXX XXXX XXXX XXXX, MN XXXX Reports to XXXX, XXXX XXXX, and XXXX that I am delinquent on a debt they purchased from XXXX XXXX. They have reported the debst as collection account for {$400.00} past due as of XX/XX/XXXX, to remain on until XX/XX/XXXX I have tried several times via certified mail to to the credit bureaus and to IC System to request proof of the debt under FCRA, and they have not sent me proof of debt. 

Please investigate IC System and have them remove debt.

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 2018-05-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX I made a payment. I expected the payment to be applied to my balance with a 0 % APR that expires on XX/XX/XXXX. At the time, I had three promotional balances. One at 0 % APR expiring on XX/XX/XXXX, one at 0 % APR expiring on XX/XX/XXXX, and one at 3.99 % expiring on XX/XX/XXXX. 

I expected my payment on XX/XX/XXXX of {$3300.00} to go towards the promotional rate expiring on XXXX XXXX, XXXX. But it was instead applied towards the balance with a 3.99 % rate. I called Sears credit card customer service, and they informed me that the payment is always applied towards the highest interest rate. So I did research, and I found several articles stating that the CARD Act requires payments to be applied to the highest APR first, then towards the remaining balances. But I read that the last two payment before the expiration of the promotional rate would be applied to the expiring balance. 

So on XX/XX/XXXX I made a payment {$3300.00} expecting the payment applied towards the promotional rate expiring on XX/XX/XXXX. But when the payment was applied, it went towards the promotional rate expiring on XX/XX/XXXX. 

I again called Sears Customer service, credit card is issued by Citi Bank, and again the representative told me the payment is applied towards the highest interest rate first. I was unhappy, and I requested to speak with a manager. The manager came on the line and I explained that I wanted to apply my last payment towards the expiring promotional balance. The manager, told me the same thing that the payment is applied to the highest rate due to the law. He said my balance was not a promotional balance, but a balance transfer, so the payment would apply to the highest APR balance. He kept emphasizing that I had balance transfers and not a promotional balance. But when I check my account online, it is clearly described as a promotional balance. 

By not applying it towards the expiring APR balance, the interest rate will jump to the standard interest rate will be 26.74 %. The manager explained that I could have waiting for the expiration date to pass and then my payments would have been applied to the balances I wanted. But this is not right. I want to apply the payments to the expiring promotional balances. 

I've recorded the call, and I have screen captures of my account clearly stating that these are promotional balances. 

I have already informed the manager that I will pay off the balance and cancel the credit 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 2018-05-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm not happy with the resolution proposed by Chase. " We will extend your Anniversary Free Night through XX/XX/XXXX, to include any of the XXXX hotel properties worldwide. '' They need to grandfather the promotion and not change it the way they want. This is not right! To remind them this was the deal when me and my wife signed up for this card : This is not the right way to solve this issue, the deal was a free night for every anniversary not only for first year. When I opened the card the deal was : " Chase XXXX  Rewards Club Select Credit Card Earn XXXX bonus points after spending {$1000.00} on purchases within the first three months of account opening Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide Earn XXXX points per {$1.00} spent when you stay at an XXXX hotel Earn XXXX  points per {$1.00} spent on purchases at gas stations, grocery stores, and restaurants XXXX Rewards Club Bonus points are redeemable at hotels such as XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX Platinum Elite status as long as you're a Select credit cardmember Automatic 10 % points rebate on redemptions {$0.00} Introductory Annual Fee for the first year, then {$49.00} a year " not just for XX/XX/XXXX, or XX/XX/XXXX, so they need to respect the promotion and the people who are their customers. For whoever got this Credit Card including my wife they need to respect the deal we signed. I'm also a Chase customer, I do my banking with them, I have my checking and savings account with them. If they are not willing to respect the deal I might end all my accounts I have with them and I'll be banking with another bank. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TX

Complaint narrative:
I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.

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 2018-05-11 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 trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: NV

Complaint narrative:
Navient has failed to properly apply a lump sum payoff check to my account -- resulting in additional interest and other fees being applied to an account I intended to pay in full. This is fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 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: NV

Complaint narrative:
RE : Experian RE : XXXX XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is 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 explanation
Consumer complaint received 2018-05-11 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: NV

Complaint narrative:
RE : Experian RE : Experian RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX Account # XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine. Please help me because anyone could report anything on a credit report and the FCRA is not being enforced.

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