vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have a vehicle loan with PNC Bank. I called them to get their automated recorded system telephone number so that I could start making extra payments per month, they told me that they had that system but they discontinued the system, no reason given for the deletion. No reason needed, it is about money. Charge XXXX people XXXX dollars to make a payment you end up with XXXX dollars extra in your account!!! I am in the wrong business!!! I spoke to a manger by the name of XXXX XXXX and she was very evasive about the reason why they discontinued the automated system. I realize that I can go online to make a payment, I have been hacked twice from on line banking and no longer use it. I could mail it but then you would have to depend on the XXXX XXXX XXXX, no thanks!! I could drive the payment down there, wait, the gas prices would make that method wasteful to me!! What is wrong with making these people set the automated system back up again? Isn't this still a country of " we the people?!, or is it " we the crooks '' and we don't go to jail!!! I digress, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
I HAVE A MEDICAL BILL ON MY CREDIT PROFILE THAT IS NOT MINE. I HAVE CONTACTED THE COMPANY ON SEVERAL OCCASIONS TO GET THEM TO REMOVE IT. THEY SAY THEY HAVE A COPY OF MY MOMS SIGNATURE ON FILE WHICH IS IMPOSSIBLE, BUT THEY DO NOT HAVE A COPY OF MINE. I FEEL THAT THE COMPANY IS ABUSING THEIR AUTHORITY IN KEEPING THIS ITEM ON MY REPORT WITHOUT PROPER VERIFICATION. MY MOM IS DECEASED AND COULD NOT HAVE SIGNED THESE OR ANY DOCUMENTS FOR ME AS SHE NEVER HAD POWER OF ATTORNEY. I WOULD LIKE THIS ITEM DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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:
I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if they processed my disputes because the two old  accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account beginning in XXXX that I am currently 180 days or more late and that is not valid because it is past the statue of limitation by law for last activity and it can not be help against me. This account is an FHA government account and has not been in XXXX XXXX XXXX  possession in over 7 years. This information should be deleted, as should the whole account. 

Secondly, I would like to bring to Experian 's attention that account XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well in over 7 years and I am concerned here as well why it shows up on my Experian.com monitoring as a late account in my summary section. and FHA loan was taken over for both accounts in 2011 and they can not legally report this as their own. 

WHO DID THE CONFORMING ON THIS ACCOUNT? WHAT INFORMATION WAS CONFIRMED? 
These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me. 

These items were not updated or processed with accurate information after I disputed them and they do not report as being disputed by me. I have no proof that they corrected, investigated or confirmed anything an I am very very frustrated. 

No one here seems to be doing their job and falsely verify information to deter consumers from pursuing the truth and that is not fair and a very abusive and intimidating practice.

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 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I brought in my information and was approved for a payday loan at AMSCOT located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX The cashier had an attitude. I asked her for an EPP because I wanted to take my time paying it back and the manager entered the conversation and told me ok. She came back 10 minutes later with a letter that refused to give me the payday loan for XXXX. They then told me happy birthday as I walked out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
There is information of SANTANDER CONSUMER USA on my credit report. I do not have, nor have I requested a loan from this company. I would want proof any documents signed that state I am owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ceannate
State: FL

Complaint narrative:
The company is coming after me due to a debt owed from XXXX University. To my understanding XXXX University is a XXXX based college, I have lived in XXXX for the past 20 years and did not attend an out of state University. 

Therefore, someone used my information to obtain college education. Also was told it was for XXXX  education my career focus, since highschool, was XXXX. 

Also, the college states that I attended the University back inXX/XX/2016. I was a graduate of XXXX XXXX ( XXXX ) class of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent a paypal somehow to an invite from someone's old email, and the money was accepted, then I resent to the same email and it was not accepted, I updated to this person 's new email, and then I had to dispute past issues, and the person is having trouble receiving correct money, and my dispute has taken 3 weeks to handle with no solution. I've been charged interest fees and experienced XXXX   from the poor transactions, taking money out of my cards that I do not prefer. 

This old incorrect email is for a " XXXX '' account, and the current correct email is for a " XXXX '' account. Here are the exact emails in this situation 1. Old incorrect : XXXX 2. New correct : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my business checking account and charged me a {$75.00} legal fee. The irs mistakenly took money out of my account and now I have had to redeposit the funds. The banker informed me he would refund it but could not on Monday because the account is closed. He said if it was open he could. This is is unacceptable.

I am upset because I found this out online. When I have gone to the branch the employees were not informing me this happened. If I am communicating with chase employees about my account they should have told me this.

I had to go back to the branch and waited three hours on Monday to reopen the account.

I called yesterday to access my account and I was told I need my debit card to get access to my account.

Today I went to the branch and I was not given my debit card or checking account number after signing up in branch on Monday.

Chase also has a XXXX  bonus for opening the account. The banker was also unable to give that to me so I had to email it t. But its not credited yet.

I also had problems with my credit card application and am worried it will be not sent to my XXXX  address.

I also am interested in buying a condo and wanted to do business with chase. I have taken out thousands of dollars from chase because of poor service. I have put it in wellsfargo advisors. I dont have these problems with them. I need my XXXX  dollars back. I like chase but prefer not have these problems. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.

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 2018-06-22 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: SLM CORPORATION
State: CT

Complaint narrative:
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XX/XX/XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XX/XX/XXXX ) and continued over the next months as per the agreement. However, in XX/XX/XXXX I was told by XXXX XXXX that they rescinded the offer made in XX/XX/XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XX/XX/XXXX and XX/XX/XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Mr cooper neglected to forward my mortgage payment information to the credit report companies and my credit score went down exactly 100 points. I have never paid my mortgage late, in fact it is paid up all the way through to XX/XX/XXXX ( today is XX/XX/XXXX ) .I have also paid substantial amounts each month to the principal. My co-signor and I both live in Michigan and our car insurance uses our credit score to set our rates. This credit information needs to updated immediately to prevent this from  happening. Also my credit is completely tied up because it shows it as being poor. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am complaining about XXXX XXXX for HARASSMENT! 

My husband and I are both cosigners for our sons Smart Option Student Loans to XXXX XXXX. 

In XX/XX/XXXX through XX/XX/XXXX, we cosigned for our son for the Smart Option Student Loan, which consists of six loans. My son has been paying these loans holistically since he first received his pay check in XX/XX/XXXX from his job at the hospital as a nurse and up-to this-time. As a matter of fact, all of these loans have been applied for auto-pay. 

Since XX/XX/XXXX, weve been receiving non-stop emails, letters from the mail and phone calls. We received phone calls constantly almost every day, some of these calls are not showing the phone numbers on our phone screen. Sometimes, it shows restricted or unavailable or private. We can only recognize who called us when we listen to the voice mail. When we called the number that was provided on the voicemail, we often waited to get a human being to answer our calls, sometimes we got lucky if we were answered within 45-minute wait, after we discussed what we were calling for the person said, " your payments are up-to-date. '' Another occasion that I would think it was an harassment was : XXXX XXXX Representative, XXXX is the name he gave me called my work phone at around XXXX. ( On one occasion, they collected three times from my sons bank account and they were apologetic because of their mistake and they returned the access amount to his bank. ) Another that I believe that it is an Harassment was their electronic mail. The email says, Your XXXX XXXX student loan ( s ) requires your attention. Log in to XXXX to review your account information. Signed by XXXX XXXX - XXXX XXXX Soon as I clicked on the link, it's an offer for another loan ( This is misleading people like us to open the email. ) Another instances was The letter from the mail. The letter says, Late payments may result in your XXXX XXXX loan/s being reported to the consumer reporting agencies as delinquent. Negative information on a credit report may adversely affect your credit rating. Its important to know that delinquency can stay on your credit report for up to seven years.

This is too much! Not only are they harassing us but also threatening us. Those statements really are very stressful!

I am hoping that you would help us to STOP them harassing/threatening/stressing us. We want them to STOP calling/ emailing/ sending letters in the mails with deceiving/threatening statements. We do not need them to bother us. My son 's payments have been enrolled for auto-pay.

Thank you in advance for your time and assistance. I highly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I work for the XXXX XXXX and have for a total of 20 years, I have been filling out paperwork for years trying to get these loans on an income based plan, which interestingly enough calculates out to zero payments every month, this is why I am ignored and it keeps showing up on my report. These student loans through navient should have been forgiven years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of trans union credit inquirie issue

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 2018-06-22 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: VA

Complaint narrative:
I have disputed this many times and Experian will not remove this account that is incorrect. I have finally cleaned out my storage unit and was able to locate the letter from XXXX XXXX  regarding my items that show on my credit report as being returned. I have sent that and the envelope showing the stamp date and asked that they fix this account that was reported as a collection and with a XXXX balance as well. They just sent back the dispute investigation and have refused to remove this from my credit report

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 2018-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and my mother XXXX XXXX has passed but left me her house and it is now in my name but the loan she had was still in her name I have paid into that loan up to XXXX then out of blue there was a XXXX dollar balance that was owed like a balloon payment so I seemed legal advice which they said XXXX has passed so therefore I was not responsible well that info apparently was incorrect so I have been trying to reach Faye servicing for weeks they say fax over papers so they could identify me then they want me to send again they giving me the run around and my balance total pay off was XXXX now from the attorney fees from looking over paperwork I submitted 2 times that was almost 3000 and all there interest when I have trying to pay off the remaining Ballance my home has XXXX equity so there just not giving me a chance nobody calls back I call at least once a day voicemail no return call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young college student and dont have money to be giving that i never spent.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted EQuifax trying to remove hard inquiries off my credit report from XX/XX/XXXX to XX/XX/XXXX and they said they could not help me with it .I contacted the companies by letter because they have no numbers and they said they could not find my information in the system and for me to contact XXXX  to remove the inquiries and they said they is no way they could they just will have to stay on my report so I didn't get help on either end ... 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Within the last 2 weeks I have been receiving declination letters from various banks for auto financing that I did NOT apply for, using my name and home address of 10 years by persons I do NOT know. The names that are fraudulently using my name and address are XXXX XXXX XXXX XXXX and XXXX XXXX. According to these letters I have received, these persons unknown to me, went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for a car loan. I myself went to this dealership and did NOT apply or accept a loan. A week or so later, I have been receiving declination letters from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and TD Bank. Some of these letters have my name on them along with this XXXX XXXX XXXX XXXX ( of whom I do NOT know ). The dates are XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have called and visited XXXX however XXXX 's finance person was of no help. XXXX filed a report with their finance department and I have heard nothing. 
This issue started with XXXX XXXX of XXXX. This company is to blame for their lack of security measures concerning consumer information.

Company response to consumer: Closed with explanation