vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
CFPB complaint # XXXX about M & T BANK The following is a continuation on this account with CFPB. 
I, XXXX XXXX received the re-issued check for {$460.00} yesterday, XX/XX/XXXX. 
The M & T check # XXXX was a re-issue of check # XXXX from XX/XX/XXXX. 

What I didn't receive was the escrow from M & T using my money for almost 4 years.

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 2018-08-07 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Filed a dispute with the credit bureau all 3, XXXX, XXXX and XXXX and the collection agency ( Waypoint Resource Group ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been not been employed full-time since XX/XX/XXXX and have been struggling with my auto loan payments and fell behind. I was fortunate enough to find full-time employment in XXXX and have been able to catch-up payments, and am now current in the month of XXXX. I have been reviewing my past statements, and saw several instances where when I am able to make payments, I was still assessed a late fee. The payment due date is the XXXX of each month, with a grace period up until the XXXX of the same month. I was in arrears by at least a month each month I made a payment, until XX/XX/XXXX. 
The details of the months where I was assessed a late fee, despite my paying on time for that month are as follows : 1 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 2 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 3 ) In XX/XX/XXXX, I made two payments ( XXXX and the XXXX ), yet was assessed a late fee on the XXXX 4 ) In XX/XX/XXXX, I made a payment on the XXXX, yet was assessed a late fee on the XXXX 5 ) In XX/XX/XXXX, I made a payment on the XXXX and made another payment on the XXXX ( to finally get caught up ), and yet was assessed a late fee on the XXXX. 
I called Bank of America and asked why I was being assessed a late fee in the above months, despite making my payments within the grace period. I was told that because I was in arrears, my payment were applied to the month ( s ) I was in arrears, which still makes my current month payment late and was assessed a late fee. This in effect charges me a late fee on top of a late fee, since despite the month 's payment was made on time, the application of the payment received to my past due from prior month ( s ) makes my current month payment negligible.

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 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to you regarding investigation results based on information provided to Transunion. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with XXXX XXXXXXXX XXXX that it is an error within their processes and yet Transunion is unable to correct this reporting. I find this unacceptable and ask that Transunion provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from XXXX XXXXXXXX XXXX to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of Mortgage recorded paid in full 4. Item on credit report Partial acct # 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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have had a new mortgage with PNC bank for 18 months. I do not have a payment book. I was told to make my payment by telephone. In XX/XX/2018, the bank added a {$7.00} fee for paying by telephone. They started sending a payment letter monthly. In XX/XX/2018, I was told they cancelled the extra fee because their customers where unhappy. In XXXX, they started the {$7.00} fee again. I was traveling. The payment letter arrives about one week before payment is due. I was not here. When I returned, there was not time to mail a payment before the due date. THIS practice is unfair to the customers but would make PLENTY of money for the bank. I travel frequently. I expect a financial institution to furnish me with a complete payment book and to allow me to pay by telephone if needed. Another abuse to consumers by the banking industry. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: GA

Complaint narrative:
I have filed disputes with Equifax since XX/XX/2017 and I have spoken to several people at the Consumer Affairs Office who state that they were going to delete and remove these fraudulent accounts from my credit report. I have talked to XXXX as well Mrs. XXXX at Equifax office who promised to remove to remove these accounts immediately. 

The following accounts are fraudulent and need to be removed immediately : 1. XXXX XXXX XXXX   2. XXXX 3. XXXX XXXX XXXX  XXXX  4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I opened a CD with USAA bank for a secured credit card unfortunately and for personal reasons, I had to file for bankruptcy ; at the same time I called the credit card department and paid off any balance I then asked to close my CD account on XX/XX/2018 and deposit the proceeds to another checking account I have with USAA and was told that it will take a couple of days ; after XXXXwo weeks not seeing the deposit I called again trying to find out where is my money and was told that it takes two weeks to close the account after two weeks not getting the money I called again and was told that they can not deposit the money in my account and it will take another two weeks for them to issue a check and mail it to my home address after two weeks today XX/XX/2018 I called again and was told that the check was issued on XX/XX/2018 and mailed to the bankruptcy trustee and had to do so because it is the law. I spoke to my attorney and was told that there is no such law. It's unheard of to send someone's money to a third party without my authorization. As you can see in my complaint throughout the month of XX/XX/2018 from the XXXX of the month until the end of the month, I was given the runaround. I filed a complaint with the Federal Reserve which resulted in a phone call from the bank representative all she told me was 1. She basically blamed me that I called the wrong place/department however no one I spoke to told me that I am calling the wrong place/department. 2. The representative also told me that it is USAA policy that in case of bankruptcy they mail the funds to a trustee, I asked her to show me where does it say in our CD agreement that in case of bankruptcy my money will be mailed to a third person, she basically refused to either direct me to where to find the agreement or offer language in the agreement. In the meantime, after finding a solution for my financial troubles I voluntarily had my bankruptcy dismissed and still looking to collect what is due to me which amounts to {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/18 was unable to find XXXX $ via ach transfer. 
On XX/XX/18 balance of XXXX $ was debuted from my existing PayPal balance. 
XX/XX/18 in addition to the XXXX $ taken on XX/XX/18 my bank account was compromised and XXXX $ stolen. 

They were unable to give me back XXXX $ I spoke XXXX id # XXXX supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: NJ

Complaint narrative:
The Chase Mileage Plus Credit Card gives as part of its annual membership reward two lounge passes that can be used at XXXX XXXX XXXX to gain entry. These passes are valid for one year and each XXXX they expire. 

I have tried and failed to use them at XXXX XXXX in XXXX NJ on two separate occasions when they were not accepted by the agent at the gate. 

I called Chase in XX/XX/2018 to request that I be given two new passes as I would be unable to use these before their expiration in XXXX and that is a needless burden on me. 

I was refused my request, also refused request for compensation and refused request for any other adjustments including waiver of annual fee. 

They said they were not responsible for their passes being refused acceptance at XXXX XXXX. I had on prior occasion called XXXX XXXX and they said that the passes were issued by Chase and not by XXXX, I should discuss this matter with them, not XXXX. Chase said the same, I should discuss this with XXXX. 

Bottom line is, I lost use of two passes worth {$130.00} What is the point of a benefit it a ) it can not be used and b ) can not be compensated for upon failure to use. I have been a card member for many years, and this is what they give you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
For my York County Record, it says i have been confined for 90 days to 3 years than re sentenced to probation that is false i wasn't in prison at all i was on probation didnt pay my cost than re sentenced to probation. This is out of control this makes me look like a bad criminal. I wasn't ever in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: GREAT LAKES
State: TX

Complaint narrative:
I believe Great Lakes is over calculating interest amounts in their favor and therefore overcharging all their account holders for student loans. I friend of mine discovered that Great Lakes was charging a XXXX over every month on his student loan so I decided to check my loans as well. One of my loans with Great Lakes was overcharged a XXXX as well. Overcharging XXXX XXXX on millions of loans could be occurring and I'm asking the Bureau to investigate. Below are my figures to back up my claim. 

Principal Balance : {$720.00} Interest Rate : 3.150 % Last payment : XX/XX/2018 Today 's date : XX/XX/2018 Days difference : 20 days My formula used ( Principal Balance * Interest Rate ) XXXX # of days = interest amount My formula with amounts : ( $ XXXX % ) /XXXX*XXXX = XXXX However, Great Lakes states my interest is {$1.00} which is XXXX XXXX over. 

Please open an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Lending Club Corp
State: TX

Complaint narrative:
Upon checking my credit score i noticed a loan for XXXX from a company called lending club corporation i have disputed this account with all 3 credit bureas and XXXX and XXXX  removed the account but XXXX has not removed this account from my credit account XXXX provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my XXXX score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened may XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my XXXX  credit account or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Already talk to company and told they have information I paid off the account. They told me that company did not report as hard inquire and only stated account was closed. Company was aware I closed account myself. 

This problem had occurred with two other credit card accounts all the same situation and issue as well. This issue consist of closing all the same day as well ( XXXX, XXXX, and XXXX XXXX ) after paying off weeks before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had fallen behind with Wells Fargo home Mortgage and tried to do a loan modification, I was referred to a broker and basically took so long I lost my home.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
An hard inquiry was found on my credit report for a credit card from XXXX, XXXX credit card/XXXX which I didn't apply for. I called them to inform them to stop the transaction and remove it from my credit but they said they recognize what am talking about that i should called XXXX   which I did, XXXX referred back to XXXX. 
Please I need both of them to urgently stop the application, not to approved it and take it off my credit report as a hard inquiry

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 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I initially submitted a formal complaint against Navient in regards to a student loan my wife co-signed for. I made a 1 time payment to Navient to have my wifes name taken off the cosigning of the loan. Navient failed to send a XXXX form to me to submit to the IRS explaining that the loan is not in default or settled. My daughter is still paying on her loan. Because Navient failed to send me XXXX form to submit to the IRS my federal income tax returns have been with held from me for the past 3 years. I have been trying to explain this mistake Navient made to them and I am getting nowhere. On top of that issue, since Navient reported to the IRS that I earned {$24000.00} dollars extra in XX/XX/2016, the IRS is now coming after me for unclaimed income in which is not the case. Navient has not been helpful at all, in fact they are quite rude on the telephone if you can ever get off of being on hold. My first complaint number was XXXX, I just received a notice from CFPD that Navient can not address the issue because of a " unauthorized third party '', I am not sure what that means. I have attached the response I received this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation