vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: DC

Complaint narrative:
NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.

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 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I opened an account with XXXX for a Walmart credit card and made one large purchase in XXXX 2015. I called around the end of XXXX/ beginning of XXXX to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.

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 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the 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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i disputed information on my credit report i sent a letter to experian requesting that the debt on my report from XXXX acct # XXXX be valadated, XXXX acct # XXXX, XXXX acct # XXXX, and XXXX acct # XXXX, according toFCRA the credit breau must provide phyisical proof that these accounts are mine and they have not but refuse to delete these items from my file, I also disputed inquiries on my report that were not mine and they could not verify and thet refuse to do there job under FCRA and delete

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 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have had XXXX list a debt on my credit report. XXXX and XXXX have both removed it off my credit report, however it has appeared back on my Experian report. This was a fraudulent account opened and I would like for it to be removed as it is harming me negatively. Experian also has these inquiries listed on my account that i never run and I would also like that removed as this is also harming me : XXXX, WA, XXXX ( XXXX ) XXXX XXXX, GA, XXXX ( XXXX ) XXXX, MA, XXXX ( XXXX ) XXXX XXXX, MN, XXXX ( XXXX ) XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX, WI, XXXX ( XXXX ) XXXX XXXX, MD, XXXX ( XXXX ) XXXX, CA, XXXX ( XXXX ) XXXX, OH, XXXX ( XXXX ) XXXX XXXXThese inquiries and false reporting on my experian report is harming me greatly because it has been proven by the rest of the credit bureaus and IRS that i have been a victim of Identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update and investigate my file.

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 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, a collection agency, reported today that I have a balance to XXXX XXXX of {$160.00} and {$80.00} through Transunion and XXXX, respectively. They reported identical information XXXX to Transunion, resulting to a total balance of {$160.00}. I do n't know how they made the report to XXXX. I do n't have access to XXXX considering they are not included in XXXX XXXX reports. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment, in which my husband faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Let me start by stating my wife and I have been exceptional Wells Fargo customers for XXXX years and have had this credit card right at XXXX years. Following my recent complaint I filed on XX/XX/2017 case number XXXX, which a response is now several days past due, I chose not to close this account due to the negative impact it could have on my credit score. In the past 30 days, I have paid {$10000.00} to Wells Fargo to pay the previous balance in-full. Today, my wife called Wells Fargo to pay the current balance in-full and was told by a representative that there are notes on our account that I gave the representative on XX/XX/2017 the wrong account number and that is was my fault. She was then advised that our account was flagged that they could not accept payments by phone from us any longer. She demanded to speak with a manager, because of how ludicrous this seemed and was told the same thing. The manager told my wife that they have notes that prove I left off a number when paying by phone on XX/XX/2017 and that we would have to mail our payment to them. My wife expressed her absolute dissatisfaction and displeasure with this obvious discrimination towards us. She said she does not have time to mail the payment and if they looked at our history, we have never mailed in a payment and have always either paid by phone or online. My wife told the manager that we might just payoff the balance and close the account, based on the terrible experience we have had lately with Wells Fargo. My wife told the manager she was speaking with that we have a linked account on file we use for payments and advised it was an error on Wells Fargo, which caused the payment to return due to no account found, not NSF. She could never get a legitimate or justified reason we were no longer allowed to pay by phone. This is complete discrimination and retaliatory, because of the first CFPB complaint filed. This is also considered a fair banking violation, because we are being treated differently than other customers. Is it a normal practice to not allow customers the option to pay by phone if a previous payment returned " no account found? '' Is it a normal practice to not allow a customer to pay by phone, following a CFPB complaint being filed about the lack of service received and a UDAAP violation? Wells Fargo is really doing a great job of ensuring we will never be customers again. It 's sad that even with the recent bad publicity Wells Fargo has received, that they are still lacking at providing excellent customer service, especially to long-standing customers.

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