vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I had been in repayment with Sallie Mae/Navient for over 15 years. i needed reduction of payments, but i also wanted to pay pff principle. Over the course of 7 years, my principle never went down until an associate finally understood what I wanted. I did not have help from my family or parents on finances, and was ill informed and given repayment options that did not meet my needs. I would have never taken out that much money if I knew I to use the option to repay, nor would I have chosed anything that gave me capitized intreest charges. How can a company get away with students not paying down the princiaple for over 10 years??? that shoudl be illiegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/XXXX. Student Loan servicer Navient. There are very limited ways to switch your payment due when you're trying to avoid being delinquent and switch to autopay. For three months, I have tried to switch the due data for cash flow to the XX/XX/XXXX of the month. Each time, Navient says this isn't possible without paying twice on the same loan for the month because of when the payment falls ( on the XX/XX/XXXX of the month ). That the only way is through an administrative forbearance.The whole point of me trying to switch a due date ( for the same month ) is to be on time with payments. This is infuriating. 

I was also told that I could adjust the payment due date if I signed up for autopayments online. Um, no. It doesn't have that functionality. 

Basically all Navient customer service seems to know how to do is put you in forbearance -- hence there are numerous lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion File Number : XXXX. TransUnion has reinserted previously deleted information ( i.e., addresses ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). TransUnion is well aware that a security freeze is in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. TransUnion is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My TransUnion file should only reflect such information. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following addresses do not belong to me, I have never lived there and they should be deleted from my file immediately : ( address 1 : XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( address 2 : XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ) ; ( address 3 : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ). Please provide me with the source verifying these incorrect addresses. Please provide me with the method of verification for obtaining these addresses. I have attached a copy of Investigation Results from the credit reporting agencies XXXX and XXXX showing the addresses listed above have been deleted because they were mixed and do not belong to me. Attachments : Driver license, social security card, XXXX  reinvestigation results, XXXX reinvestigation results.

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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC

Complaint narrative:
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX   XXXX, XXXX  ( XXXX XXXX XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I signed up this account following a promotional link for {$400.00} bonus on XX/XX/18. After meeting the requirements, they didn't issue the bonus on the date as promised in XXXX. I waited 4 more weeks then I contacted the bank on XX/XX/18 through Online chat. I was confirmed I'm qualified to get the bonus. A case has been opened by the representative to request the bonus to be issued to me. 

Here is the confirmation - " Your request has been submitted. Responses will be sent via your preferred method of communication. You will receive Citibank Online, email and fax responses within 2 business days and US Mail responses within 5-7 business days. If you have questions on this case please call Customer Service and refer to reference number XXXX. '' But I've never heard back from them. They didn't issue me the bonus at the first place as they've promised. I'm tired of reaching out and waiting. Here I am.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.

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 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
End of XX/XX/2018, my mortgage with XXXX was bought by Ditech. 

XXXX sent a wire transfer on XX/XX/2018 - this Bulk Payment was check # XXXX in the amount of {$94000.00} of which {$1700.00} was to be applied to my Ditech Mortage account. Ditech did cash the {$94000.00} but didn't apply the funds to my mortgage account. 

On XXXX I established with Ditech a 'missing payment and verbal dispute '. I was told by Ditech to call in 7 days. 

On XXXX I called and Ditech said they didn't get the {$1700.00}. 

On XXXX I called and the representative at Ditech said I need to send in by US Mail the proof of the wire transfer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MN

Complaint narrative:
Several years ago, XXXX decided that I did not return equipment to them which I did quite a long time ago. Recently they turned this issue over to XXXX XXXX XXXX. I will not pay for equipment that I returned to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Throughoutthelastfewmonthswehavehadawebsite(XXXX)withdrawanddepositlargeamountsofmoneyintoourbusinessChaseBankingaccount.Wehaveattemptedtoresolvethisissuewiththebank,withlittleluckorinformationgiventous.Thechargesbeganwitha"test"onXX/XX/2018XXXXdepositedXXXXintoouraccountandthenanotherdepositofXXXX.Twodayslater,XX/XX/2018,XXXXwithdrew$XXXXand$XXXXintwoseparatetransactions,thenXX/XX/2018theywithdrew$XXXX.AgainonXX/XX/2018theywithdrew$XXXX.AtthistimeweapproachedthebankandwerecreditedonXX/XX/2018,theamountsof$XXXX&$XXXXintoouraccount,onXX/XX/2018thedeposited$XXXX.(WeareunclearifthisCREDITwasmadebyChasebankorthewebsite)XX/XX/2018theChaseBankreturnedthefundstoouraccountonlytohave$XXXXbeattemptedtowithdrawonXX/XX/2018,thankfullywemovedourmoneytoadifferentaccountonXX/XX/2018.LastMondayXX/XX/2018thebankwithdrewallofthefraudchargesain.ThemostrecentwithdrawwasmadeXX/XX/2018wheretheytookout$XXXXand$XXXX.AfterthesetransitionsChaseBankclosedouraccountwithoutanykindofnotification,andwhenaskedareoutwardlyrudeandtolduswewerenolongercustomers.Thetotalnumberoffraudchargesequalsto$XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: AL

Complaint narrative:
m writing this complaint as my second complaint against both XXXX and Experian credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in 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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC

Complaint narrative:
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: CA

Complaint narrative:
My student loan used to be serviced by ACS which became or was transferred to Conduent. When I try to log in their site to check my loan balance & related information, I get a response saying Conduent is not the servicer for my loan. I don't know who services my loan now ; the monthly payment is being automatically drawn from my account because this is how I had it set up with ACS, where are the payments going?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/18 I spoke with Fifth Third bank regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the Fifth Third Process. All payments were made on time during the 3 month trial period and Fifth Third agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling Fifth Third bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by Fifth Third. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by Fifth Third, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that Fifth Third did not foresee that this could impact a persons finances. I have tried everything that I could think of to get Fifth Third to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We have used a Capital One credit card for years and taken advantage of the cash back rewards for years as well. When we have some awards accrued, we always have the rewards amount ( in dollars ) applied to account, always with the understanding that the cash back amount did not serve as a payment. Therefore, without exception I would always deduct the rewards amount from the month 's balance and pay the remaining amount well before the due date resulting in the entire month 's amount due being paid well before the date due and avoiding any interest. 

Suddenly I am being charged interest despite the fact that the entire amount due on that month 's bill has been paid in full before the due date. How can you charge interest on a XXXX balance just because a part of the amount due was paid with the company 's own rewards and all before the due date? This is their excuse for tacking on interest. 

Should you need to see last month 's statement, we will be happy to provide it ; however, we hope it will not be published. I have asked to use my remaining rewards towards the next bill as part of my effort to get rid of this card. This company has certainly changed and is now exhibiting blatantly greedy behaviors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: IL

Complaint narrative:
I never got or requested a loan from Great Lakes or no other loan company. I never signed for a loan.

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