vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 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: MI

Complaint narrative:
I disputed information on my credit report. The results of the investigation came back verified. I then requested verification of whatever documentation was used to verify the accounts and public records that do not belong to me. I was told by a rep and that rep 's supervisor that the accounts and public records were verified electronically and there was n't any documentation to send me. The FRCA tells me that they are required to provide proof of those documentation upon request or delete the accounts and/or records from my file. They have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or they can not verify any of those accounts and/or records and under Section  611  (  5  ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the  Civil  liability and the remedy available to me for? negligent noncompliance?  ( Section 617 )  if they fail to comply with this  Federal Law.  I need more than just the creditor electronically verifying the accounts. I need to know how they verified them, and that means more than just taking the creditor 's word or reliance on some " signed agreement '' with the creditors to report accurate information. I need tangible proof that these accounts were verified.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On  XXXX   XXXX ,  2017 ,  Citi  imposed a {$35.00} late fee and {$170.00} in interest on my credit card account. I had made payment through my bank 's bill-pay feature, and had proof of on-time payment. So I called Citi about  XXXX  EST on  XXXX   XXXX ,    2017  to look into the erroneous late fee and interest. Customer service representative "  XXXX  '' said payment was due on  XXXX   XXXX , but not received till  XXXX   XXXX . I looked at a calendar, and saw  XXXX   XXXX  was a Sunday. I explained to  XXXX  that federal law prohibits penalties for payments received the next business day when payment is due on a Sunday or holi day. Citi refused to acknowledge its mistake, or reverse the late fee or interest. Hence this request for CFPB 's help. Thank you for your assistance.

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 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was harassed into setting up a payment arrangement at the end of my statue of limitations.  Myself  as well as my co-signer s ( m y  XXXX   XXXX   XXXX  grandparents ) received multiple calls daily threatening to have us arrested and that their home was going to be taken away. The callers were verbally aggressive and very unprofessional. I received calls at my place of employment even after I asked them not to. My co-signers also asked to not receive calls but they were called anyway. I was also told that if I paid   XXXX   dollars and {$350.00} a month for a year that my cosigners would be released. I called after that year was up and was told that No one told me that and that it could not happen.I was forced into default because my payment was a day late. The next caller asked me why did n't I make a post dated payment, to which I responded that I asked but I was told that I could not.Not to mention the more I paid, the bigger my balance got.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I called  Navient to obtain 12  months of my payment history in order to obtain a mortgage. There is a new rule that states if there is a co-signer on a loan who made payments for 12 months and you can show that proof then this amount is not factored into your debt to income ratio. It is a very important step in the mortgage process especially for a first time home buyer with student loan debt. When I called  Navient the first time for thi s payment history ( since there is no way to obtain this information in my online account ) they were wrong  about my payment history and in fact could not tell me who paid my loans. The next time I called Navient th ey told me that they could write me a letter because they could not provide copies of the checks that were sent to them each month that they processed as payments on my loans. However, after speaking to  3 levels of customer service, Navient informed me that the letter could only be sent by US mail in 7-14 business days. This  is an ABSURD amount of time for someone involved in the mortgage/underwriting process and attempting to close on a home within 30 days.  Navient told me that they could not email me the letter. Compare this to other government lenders who have mortgage letters readily available on the online portal accessible immediately. THEN, a week later I needed to contact Navient for a copy of my original promissory notes. AND THEY SENT THE WRONG PROMISSORY NO TES. I only have  XXXX  active loans in repayment w ith Navient. Ye t, they did not even send me the correct information. THEN, after they " found '' my original promissory notes for the  XXXX  loans the estimated time to send me the documents was by   XXXX   XXXX   XXXX     when I called on   XXXX   XXXX   XXXX    . Why is n't the original master promissory note attached to my account and on file and readily accessible? More than 2 months for a routine document necessary to provide to an underwriter to obtain a mortgage is  UNREASONABLE. Navient has the ability to prevent me from obtaining a mortgage that I am otherwise qualified to obtain SOLELY because of their inability to provide me with documentation associated with my account, which is current and historically paid on time. If Navient can not provide adeq uate and accurate information within a reasonable time period to its customers then they should not be in business and should be shut down for unfair and deceptive business practices, misleading customers and unduly withholding customer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX <P/>The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
<P/><P/>Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. <P/><P/>We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. <P/><P/>Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. <P/>I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. <P/>I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. <P/>Pay my family for the locks caused by your negligence. Make us whole. <P/>Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. 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 2017-06-07 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: FL

Complaint narrative:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CONDOR CAPITAL CORP
State: NC

Complaint narrative:
In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid my Chase credit card bill that was due XXXX/XXXX/17 on XXXX/XXXX/17 at XXXX and was subsequently charged a {$25.00} late fee, because Chase has a XXXX payment cutoff for online payments. The company also charged me a {$23.00} financing charge for interest. This is not the first time I 've been charged this fee as I 've had two fees waived before where I made a payment on the due date but after the cut off time. The most recent time the Chase employee I spoke with told me if I paid over the phone after XXXX I would not be charged a late fee. I attempted to pay by phone on XXXX/XXXX/17 to avoid the fee, but needed my full 16 digit card number to get through to anyone. I did n't have my credit card on me and I spent probably ten minutes going through different options trying to find one that allowed me to speak to a real human, but every time it wanted my card number. Therefore I paid it online and figured they would refund me given my attempt at phone payment. They did not. While {$25.00} is not a huge amount, this is a predatory practice these lenders use to pad their returns ( I know, I am a XXXX XXXX and speak with their management teams frequently ). Chase claims it says on my statement there is a XXXX EST deadline, which it does, but it 's in the fine print in the middle of the bill and no where near the portion where it tells you the amount and the due date. Given the small fee I wonder how many people this happens to that either overlook it, are too lazy to call them, or have the same experience as me. Point blank, if they have a cut off time of XXXX EST then that 's my due date and that 's what should be displayed as my due date, not just a generic date ( i.e. XXXX XXXX, 2017 ). Interestingly, Chase does n't even have the capability to issue a refund for this beyond the second instance, which I know because I spoke with a supervisor to attempt to get my fee waived who said there is " no way to override the system. '' This says to me senior management purposely programmed their system to take advantage of people who pay on their due date but past some arbitrary time deadline and are banking on the fact its a small fee that probably wo n't drive the customer away. Please change this practice. Chase is the only company I 've had experience with that has a time deadline rather than a day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
I have  XXXX  derogatory account claims on my Transunion,  XXXX , and   XXXX   credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based  on Federal and State of Florida Statute Of Limitations. I have reached out to all 3 credit bureaus  and filed disputes and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and  XXXX   XXXX  Bank has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  USPS ce rtified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

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 2017-06-07 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: FL

Complaint narrative:
I have   XXXX   derogatory account claims on my  XXXX ,  XXXX , and Equifax credit report accounts from   XXXX   XXXX   XXXX  . After carefully reviewing this information I realized that these  XXXX    XXXX   XXXX   XXXX   credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on Federal and State of Florida Statute Of Limitations. I have reached out to all   XXXX   credit bureaus and filed disputes and have asked   XXXX   XXXX   XXXX   as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX   has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All   XXXX   reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to   XXXX   XXXX   XXXX   via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from   XXXX   XXXX   XXXX   for each letter. The document labeled as  XXXX -Letter1-Info.pdf is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX -Letter2-Info.pdf is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank has refused to refund my overpaid balance on my credit card. The reason provided is my account is under 'security investigation '. When asked to speak with someone about the matter, Citi customer service said to write a letter.. It 's 2017! why am I being forced to correspond with letters? I have since written the letter, but received no response. <P/>Truth in lending act regulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer

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