vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: SC

Complaint narrative:
I have sent four letters to Experian credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time experian mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Experian have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Experian is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My credit account was covered by NFCU P3 payment protection plan. 

The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. 

All correspondence goes to the same address with no direct delivery to a particular dept. 

I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. 

At one point they claim I refused to mail in the plan forms. 

NFCU is so big they quite literally do not have to concern themselves with problems that arise. 

I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: DISCOVER BANK
State: TX

Complaint narrative:
I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact me.

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 2017-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Performance Settlement, LLC
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, I received a call from XXXX XXXX, a sales representative with Performance SLC. After a brief conversation about loan forgiveness and consolidation we began the initial paperwork. After completion, I was given three business days to cancel the contract. On Tuesday, XX/XX/XXXX I contacted XXXX and requested a cancellation form via email. I needed more time to review the process and contract. He connected me to his supervisor, XXXX XXXX XXXX who insisted he would send me the emails. He never did and the application was processed to my federal student loan provider, even though I 'd verbal canceled. To this day I was never sent any cancellation paperwork that theyd agreed to be send. I 've called and called since this had initially happened and over the last three days ive called countless times to still recieve no answers. On Monday, XX/XX/XXXX I called  customer service who eventually connected me with XXXX XXXX, a compliance manager, who said he would handle the problem and email cancellation paperwork and more information. I now have not received a thing from him as well. They processed my application and never sent me cancellation forms though I called and verified cancellation within the 3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.

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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I set up auto pay through my XXXX credit cards website. The only option I could find was " pay in full ''. After several minute of looking around the site I selected the only option available to me. Then several days later I noticed that my entire balance was taken out of my checking account, when I only wanted the minimum, which is what I thought I clicked. Pay in full amount of XXXX dollars that is due, and so forth. They were kind enough in reversing this and putting the money back into my checking account. However, when I went back into my online account to pay what would have been due, it said that no minimum payment was due. I then signed up for auto-pay on XXXX/XXXX/XXXX approximately, and this time the select minimum payment option was somehow very easy to find. Yesterday on XXXX/XXXX/XXXX I noticed a derogatory mark on my credit report that I no longer have a 100 % payment history. I then noticed auto pay was set up for next month, so I paid XXXX dollars to my card right away. I have XXXX late payment on my report for the month of XXXX XXXX. I called XXXX to complain and hopefully remedy the situation, but they said since it was n't a mistake on their end that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I checked my credit on credit karma and it said that I had a new inquiry. I havent tried to get an inquiry since I purchased my bed in XXXX. Credit karma says its syncb/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 2017-10-10 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: DISCOVER BANK
State: NC

Complaint narrative:
Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
After sending several emails and leaving even more voicemail ( s ), I have yet to get the hard inquiries from Compass Bank removed from my credit report. I have a total of ( 5 ) There 's no way I filled out the same application 5 times. This is not me, I 'm not sure if my credit is ran by default to check updates on my report, I 'm not sure but I would n't apply for Compass Bank, I 've been with XXXX XXXX XXXX for almost 2years, this cant be right. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: MI

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU

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 2017-10-10 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 AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU

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 2017-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I woke up in this nightmare today 's date is XXXX/2017 I had 2 checking accounts with Bank of America yes the funds were low in both accounts but that was n't the issue I woke up and there were 2 check deposits I did not do 1 for {$2000.00} and 1 for {$4900.00} and who ever did it also change the password to my account and they had access to mobile banking! I called the bank to report is the lady on the other line said, " hold on im checking your account ''. Then she put me on a hard hold for 40 min! Then this other guy came on and Bank of America decided  to close both of your accounts per the customer disclosure you revived when you open the account, he went on to say Bank of America does not have to give an explanation on why they closed your accounts and then he asked me is there anything else I can help you with I told him this was fraud and he said I understand but it was a business direction of what the bank wanted to do! 

Also my friend in XXXX XXXX NM put in {$200.00} in my checking account cash and the teller put in the wrong account number by 1 number and they refused to refund the {$200.00} since they closed my account today they never will give me back my {$200.00}!

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 2017-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID

Complaint narrative:
Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have not been communicated with properly or consistently. There have been no type of loss mitigation solutions offered. I am looking for resolution to move forward with a short sale as soon as possible. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation