vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: GREAT LAKES
State: TX

Complaint narrative:
I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: NJ

Complaint narrative:
I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXX contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.

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 2017-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I cosigned a loan 10 years ago for my cousin XXXX XXXX, I believe it was a private loan. I called XXXX XXXX, they sent me to their collection agency XXXX XXXX XXXX. I spoke to a rep named XXXX and explained the situation and told me he was authorized to settle the account in full. The amount owed was {$8400.00} full settlement amount was {$4300.00}. 
I told him I could pay with a credit card but I needed receipts and a letter showing that the amount was paid in full. I received letters stating exactly that. 
I reviewed my credit report and XXXX had not updated my settlement. They reported to the credit agency that I was not paid in full. It shows a balance of over {$5000.00}. 
I have the letters sent ny XXXX XXXX XXXX stating I am paid in full but XXXX is not honoring the settlement and has reported to the credit bureau 's that I still owe money on the account. 
My cousin has disappeared no one in the family know his whereabouts, I 'm trying to settle this in good faith I called XXXX XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX when I questioned why is there a balance still showing on my credit report she tried to extract the rest of the balance from me and I told her I already settled. She continued to say that I owed the difference. I then told her that I 'm calling the dept of Education and the dept of Consumer Affairs, she changed the whole script, she then told me that my account was closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a victim of fraud as defined by the XXXX. The XXXX has an open investigation into the fraud and I have provided the creditors AND the bureaus with this document. STILL, the items remain on my report and the bureaus, all 3, do nothing except request MORE documentation and send me emails with dead links.

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 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
My letter to Chase below outlines the issue : RE : 1 ) Account Number XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ) and 2 ) Account Number XXXX ( XXXX New Jersey XXXX, XXXX, PA XXXX XXXX Dear Chase Research Department Representative : We have been a Chase customer for many years, and have had approx. 20 mortgages with Chase, and never once were we past due on a mortgage payment. Two mortgages were recently paid off, and this letter is regarding those two mortgages, which are referenced above. We currently have 15 open mortgages with Chase. 

Recently, you removed the two above referenced loans from auto-pay, the loans became past due, and you reported us 30-days past due. Please see the sequence of events below, and consider adjusting the derogatory credit reporting from both accounts. 

You supposedly sent us letters on XXXX XXXX, which I verified were sent by your call center Rep, but we did not receive the letters. In the letters, you informed us that you would send us the payoff amounts by XXXX XXXX. 

You did not send the payoff amount letters, which I confirmed yesterday ( XXXX ) with a Chase Rep. during a phone conversation. 

Instead, on XXXX XXXX, you sent us past due payment notices, which we received on XXXX XXXX. 

We contacted your office the morning of XXXX XXXX. The Chase RepXXXX calculated a XXXX day per diem, and asked that we overnight the payoffs so they will match the balance he calculated. However, not once did he mention that our credit may be affected. 

On XXXX XXXX, we overnighted the payoffs to you. 
You credited our accounts on XXXX XXXX, and reported to the credit bureau agencies that we were 30-days late for the XXXX XXXX payments. 

We are applying for a refinance on our primary residence, and your derogatory reporting was brought to our attention because it affected our scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TX

Complaint narrative:
I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over XXXX XXXX XXXX. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for XXXX 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 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TX

Complaint narrative:
I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 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 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me an viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to 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 explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, Experian and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

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 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.

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