vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: SC

Complaint narrative:
I contacted FedLoans on XX/XX/XXXX. I told them I was making extra payments of {$100.00} each month and I wanted those payments to be applied to principal only. They told me on XX/XX/XXXX. that the payments were being received but would not go towards principal only. I have made all my regular payments on time and have never missed a payment. I have also requested to see the contract that was signed for the loan and they told me to contact the school. I shouldn't have to contact the school for a loan being serviced by them. I contacted them again on XX/XX/XXXX and asked to see the prepayment clause. I got an email saying thank you for contacting us. On XX/XX/XXXX I received an email saying they didn't understand my request to see the prepayment clause in the contract, so I emailed them again to explain what I was looking for and why. I haven't gotten a response back from them yet. I've also noticed that it seems like my balance keeps rising instead of decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue : I have switched my Mortgage Provider from Fifth Third Bank to different Lender. My Property Taxes were paid both by New Mortgage Company and Fifth Third Bank. I specifically called 53 Bank and asked them not to pay taxes. Since it was already paid by other Bank. This happened on XX/XX/XXXX. Still I did not receive the check from Fifth Third Bank yet. They were not able to find the check issued by county. I have been reaching them every week for the past 2 months but get different update every time. Finally They have assigned a supervisor for my case and even she is not responding to me. Her work number goes to Voice mail every time i call her. She haven't returned my call yet. 

Resolution Steps Taken : Follow up every week Conclusion : I'm very disappointed on waiting on check ( XXXX XXXX ) for past 2 months despite of constantly following up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian and XXXX are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And XXXX XXXX is showing the account was closed negatively and sold to a new creditor. Which is false.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The national credit bureaus have said : XXXX XXXX 's credit rating is poor. She is mother to 3 applying for a reduction in her mortgage by way of a loan modification. It's likely that her finance company will draw on her credit reports to determine her worthiness for a modification of the home loan. XXXX XXXX feels that she could lose her and her kids home if she does not qualify because for example of TRANSUNION, XXXX, and XXXX  reporting out-dated information as a paid in full XXXX XXXX XXXX account back in 2011.

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 2020-02-19 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: LA

Complaint narrative:
My information has been compromised and used without my knowledge. It is the direct result of the numerous XXXX  breaches and them leaking information to sell identity theft products. As a result of XXXX  willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: PA

Complaint narrative:
When I paid this debt, I was promised by an agent, that the account would be removed from my credit in full. they have since reported a {$0.00} balance on the account for many months, I was under the impression that after I paid the debt, they would report the {$0.00} balance for 1 month, then remove the account entirely! I have asked the company to investigate this matter many times, and each time they have refused because I paid them! I paid them because they promised to delete the account, I would have had to consider my actions more carefully had they not misrepresented the situation! I know paying an older debt can hurt my credit scores, so I would have taken more time to consider my actions, but since they promised FULL ACCOUNT DELETION, I paid that day, thinking it would benefit me the most! Why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Personal Savings doesn't provide pdf  statements and/or downloadable account activity in XXXX  or XXXX. 

They only provide downloadable activity for consumers with XXXX  or XXXX XXXX software. 

These to formats limit certain users to access their account activity and/or records. 

As an example, apple platform devices no longer have the ability to open these type of files ; unless you have an accounting software license / subscription. 

All banks offer the option to download in XXXX, XXXX and pdf statements for consumers to monitor their accounts activity and records. American Express Personal Savings should offer it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
We applied for a car loan and were turned down because the auto dealer requested information from SageStream. We were told that we had a very high score XXXX XXXX XXXX from SageStream which was unusual, but that there was questionable information on our account : From the 3 major Credit Reporting agencies we have scores in the 800s! 

" Length of residence too short '' ( We have lived in our house for 28 years! ) " Not enough bankcard dept experience '' ( We have the highest rating on all our credit cards ) " Limited history for consumer at this phone '' ( We have had the same phone # since 1992, what # do they mean? '' " Time since most recent revolving account established '' ( What ... credit cards with zero late payments over years and years don't matter? ) I have read numerous complaints about this company and I would like to know why they can not be shut down!! Just go on line and read the angry comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
My mortgage was in good standing until it was sold in XXXX last year to Freedom Mortgage. I was not notified of the sale, and had to spend most of the month trying to arrange a payment..so I started off behind. There was no grace period. 
As I began making payments, Freedom started reporting payment " reversals '' on my account. They charged a fee each time, and said the payments were reversed by XXXX   XXXX XXXX. However, my XXXX  XXXX XXXX account shows no reversals, and I was not charged a fee by them. Nor were the funds returned to my account. In XXXX, I made two payments to catch up for the missed XXXX payment. But Freedom only gave me credit for one of those payments, they list the other as a reversal.Between late charges and reversal fees, they now show my account as delinquent, and even though they do not report my on-time payments or my even having a mortgage to the credit agencies for my benefit, they reported the delinquency and my score dropped over 100 points.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am in the process of selling some cemetery lots I have and advertised them on XXXX and XXXX XXXX. On the XXXX of XXXX I received a text message from XXXX XXXX XXXX asking about them. He stated that he was interested for his XXXX. XXXX XXXX XXXX XXXX, XXXX, texed on Friday XXXX to see if I had received the check sent overnight by XXXX? Deposited the check at my Santander Bank branch and texted deposit as instructed to do so. The check was for {$19000.00}, a {$5000.00} overage explaned as a mix up ment for the undertaker. The check was examined by several tellers before being deposited. On Saturday the XXXX received a text from XXXX XXXX ( yet another phone ). He wanted to know if any of the funds were available from my bank yet. I explained that my bank had placed a hold on the check for one week. On the XXXX of XXXX another text from XXXX. XXXX asking me to check my account again to see if any funds available. Wednesday the XXXX after checking my account I found a {$15.00} return fee for a altered/fictitious check. I explained to XXXX XXXX that the check was a fraud and would contact the police with the evidence I had collected. On the XXXX I also found out that there was a freeze on my accounts sent to the fraud department of the bank. I called and spoke with several agents each telling me that my accounts were still on hold. XXXX prompt # 3. Today is the XXXX of XXXX and I am told that the bank has the right to freeze my accounts for examination for up to 10 + business days to complete investigation and unblock my assets. I explained to the agent that I do my banking online and had several large payments to make. She told me to go down to the branch and make arrangements. This is causing me some headaches because as all consumers I need access to my money to live. The bank can not gi9ve me a date or time frame when I can have my money back. My question, is this practice within the federal laws or guidelines? Am I being taken advantage 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 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My small business made a payroll and our controller received a fraud email from a Chase Bank account holder and our employees payroll in the amount of {$6000.00} was sent to the fraud account at Chase. We alerted our bank XXXX XXXX XXXX XXXX XXXX XXXX and we also went to Chase and had Chase pull up the account information for the Fraud account and Chase acknowledged our deposit. They said they will return the deposit and asked us to go back to our bank XXXX XXXX XXXX XXXX XXXX XXXX and file a dispute which we did. The dispute was accepted but because our payroll goes through the XXXX system it was held up and has not been returned to us. XXXX from XXXX is frustrated as we are because no one at Chase will help her or us. The contacts at the Chase branch we visited have tried to help but we are at a dead end They referred us to a branch problem resolution center to try and get our funds returned but they tell us they can do nothing. We are getting the complete run around and so frustrated so hope you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Mastercard # XXXX XXXX XXXX XXXX capital one credit dispute case # XXXX I tried my stripe and considered to get gas, I saw a guy was smoking near me, I am non smoking person, I pushed " cancel '' to leave without pumping the gas, I got the charge for {$36.00} on XX/XX/2019. 
I asked my credit card to dispute the charge, the XXXX sent some computer info for the charge, however It did not show any receipt. 
My card charged me back, asked me to show a paperwork for cancellation. 
As you know, gas station did not print any receipt for cancellation at all. 
However if I used, I would keep my receipt. 

I went back the store a few times and asked for refund. The man in the store asked me to come back for his manager, who did not show up as any appointment. 
The man also told " someone might use it after I left since I might not push cancellation well. '' I reported this as a stolen use. My stupid card dispute dept asked me to show a cancel voucher, which the store did not give anyone at all. 
The stupid card said " The computer info did not show cancel. '' Yes, if I pushed not well, it would not show any cancellation. 

However, the fact is that I was not pumping any gas, since I could not take smoking. 

I need refund from the card. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX  XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

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 2020-02-19 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: Synovus Bank
State: TX

Complaint narrative:
I submitted a dispute to XXXX  on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX,  XXXX. 
Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX  and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. 
XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX,  which I requested by phone on XX/XX/XXXX. XXXX   states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in XXXX, my credit score drops again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

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 2020-02-19 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: CA

Complaint narrative:
This company is showing a collection account on my credit report for the amount of {$2000.00}. I contacted them and disputed with the credit bureaus and nothing has been done. I don '' t have an account with this company. I don '' t have a sign contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
It's been over 10 years since this problem began. My oldest son attended a private school in Texas in the city of XXXX XXXX to play XXXX  for them. The administration, coaches, and financial aid office stated to us that they would help our son get his education. We were told that he would have XXXX XXXX and would not cost us for him to attend the school and play XXXX  for them. 

Fast forward to this present time. In XXXX my tax refund was taken by the government. In XXXX I was able to hire an attorney to represent me to dispute these erroneous charges and the opposing attorney dismissed the case. But then another one arose and that's why the garnishment was done. 

Also there's a private student loan discharged from a bank called XXXX that they wrote off and had discharged the amount but still shows it active on my credit report. In XXXX we filed a chpt XXXX due to medical problems and loss of wages and included any private student loans that the law allowed us to discharge. 

I just need advice on what to do in this matter. In 35+ years of credit history I was never late not 1 payment at all. But since I was medically not able to work the hours I was used to, I lost my wages, which forced me to file a chpt XXXX. The judge understood my plight and had accepted my financial bankruptcy. She even stated in her decision that's why the law was put in place to help individuals like my wife and myself when things that can go wrong financially in life that we need such help to restore back what is lost.

Company response to consumer: Closed with explanation