vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third continues to deny me access to my credit card account. They claim I have logged on online even though they have my account locked. This is the opposite of customer service. I need to pay my bills and they are not allowing me to do so. This is clearly an attempt to charge me late fees. I have been unable to login since XX/XX/2019 yet they claimed I logged in on the 5th. This is patently and demonstrably false ; I am still locked out of their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Last year I paid over 4400 dollars in escrow shortages and issues when my mortgage co SPS serving misapplied funds reduce principal payment and not to escrows or actual payments. I paid in XX/XX/XXXX ( XXXX ) and again in XX/XX/XXXX XXXX   ) over after they said I still had an escrow shortage. After 3 months and multiple calls, I finally got an outside corporate rep to escalate the issue after my manual calculation showed where the error was in XX/XX/XXXX/ XX/XX/XXXX of last year, I was told my account had been corrected. 

Today I receive a shortage of escrow/escrow analysis document showing not only was the last analysis used ( they had to manually correct it since it was incorrect ) but they show I now have additional escrow shortage. After speaking with an account rep she verified to me that they AGAIN have been misapplying funds and have not taken out escrow out of my payment since XX/XX/2017. I have payment statements showing I have a ZERO escrow shortage and that my payment reflects escrow YET they are still misapplying funds. 

I am very upset and feel these applications issues from last year and now again has put undue strain on me mentally and my marriage. I have ZERO confidence this will be handled. I want to complain about their bookkeeping and their practices of amounts due and owing. If I did not catch this error I feel they would have again asked per the letter for me to pay {$4900.00} and additional charges for shortages. This issue If I have to pay any additional amount would put me at risk of foreclosure because I can not pay additional escrow or payments as it is difficult to make payments. Maybe this is a calculated way to default consumers? 

This company should be fined for the application of funds, improper charges, misleading information, and unprofessional practices. My next recourse if they do not fix this is to hire an attorney and sue for unfair accounting practices and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I switched cell phone companies turned the phones into the new company who had a promotion to pay the cell phones off to the old merchant. XXXX which was the old merchant charged my bank account XXXX which caused a negative of that amount on my account. I never authorized them to charge my account for that payment. I call SunTrust in which disputed the claim it was approved and I was issued a new debit card. The transaction was attempted again at that time 4 attempts  were tried and SunTrust allowed the purchase I again disputed that claim and SunTrust closed the new card that was issued and resent me another card. The dispute came back onto my account this time causing me to be negative XXXX. No one in SunTrust claims could advise me why they allowed my account to over draft almost 2 thousand dollars, and neither was she cooperative in helping me she stated that the merchant had a contract. I advised to her I never signed a contract because no longer did contractual plans. SunTrust was not on my side and failed to protect my account. I explained to her that the issue has happened three times now with this merchant. I have cleared my rent check and many other authorized expenses and this will cause me to be placed in a horrible situation.

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 2019-03-14 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 Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
We are located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX  on XX/XX/2016. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. There conversations where very threatful with the intent to harass. All the evidence you need is in the recordings they make of all the phone calls if you can get it out of them. 

CFPB : for any follow up just email me with the email you have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: HI

Complaint narrative:
Contacted XXXX XXXX XXXX via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a third request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: CORELOGIC INC
State: OH

Complaint narrative:
I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # 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 2019-03-14 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: OH

Complaint narrative:
I Just needed to update my credit file for removing unverified accounts that I do no recognize.I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2019-03-14 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: SC

Complaint narrative:
I am a cosigner on a private student loan with Navient. I have reached out to them on multiple occasions about how My payments are being allocated because I have been the primary payer on the loan since XXXX. The initial loan value was approximately XXXX and 6 years later I still owe a little over XXXX. The payment was initially XXXX per month so if you do the math that is over XXXX. I feel like the private student loan companies are stealing from borrowers. The interest rate is variable and when I called to ask how that is calculated they could not tell me. My interest rate is currently over 11 %. Since XXXX of XXXX when my loan was bought from sallie mae by Navient, my balance has actually gone up by {$200.00} although Ive been making monthly payments. My brother, who is the initial borrower, is back in school full time but his loan doesnt qualify for any type of deferment due to the type of loan it is per Navient. Feels like there should be some sort of law against the gross negligence and mismanagement of funds that is obviously taking place at Navient. When I called in on XX/XX/XXXX and asked how we could get my balance down, the man replied I could pay more each month. No other assistance was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I over paid my chase card in XX/XX/XXXX by mistake. I called chase a week later to ask for a refund. I was told at that time the fund would be returned to my checking account electronically.

After waiting several weeks I called Chase again to find out where my money was. I was informed at that time that electronic returns were not allowed, but no one bothered to tell me that or the brain power to just send a check. I was told at that time in XX/XX/XXXX that a check was being sent. 

I called again today and the check still isn't sent out. They assure me it will be, be we will see. 

If I don't pay them on time I get charged a late free. What happens to companies that just decide to keep our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Here is the letter I have mailed to Equifax. Over last 3 weeks I have followed their instructions to release security freeze, fraud alert etc from my record. This has not been successful. Everytime I call they claim its fine. My lender, XXXX XXXX can not pull my credit report and neither can I. Multiple conversations with management, supervisors etc have come to no resolution. I am going to lose a home due to this. 

Equifax XXXX XXXX XXXX XXXX GA XXXX Dispute Resolution I have 2 addresses. Mailing and Billing XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Physical address where I live is XXXX XXXX  XXXX XXXX XXXX XXXX Ca XXXX. My credit file shows a fraudulent address block. I did not request this. I want this removed immediately. I have filed a complaint with the FTC in regards to the complete disregard for my multiple requests by mail and by phone. 

If necessary for my credit report please use XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX as my current address. 

Please update and release all blocks on my credit report and or my address. I am refinancing my property and my lender has been unable to pull my credit due to an Equifax error XXXX. 

My Lender XXXX XXXX is trying to pull my Equifax report for a refinance on my property. Error message keeps returning. 

Opened Case ID XXXX with Equifax. No resolution to date XXXX XXXX XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Contacted Credit Card Collections Officer, Chase Bank, via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: F.H. Cann & Associates, Inc.
State: AR

Complaint narrative:
Six months ago I got in contact with the collection agency that has my student loans that are currently in default because I wanted to improve my credit and start repaying my loans. The collection agency is called FHCann & Associates and this is the worst company I have EVER dealt with. The process to start paying my loans back took many, many, many phone calls while I was trying to work. They needed paperwork after paper work. I was having to fax them and that wasn't good enough so I had to email them and that still wasn't good enough. This went on and on to the point that it was absolutely ridiculous. We had settled for {$100.00} a month so I had direct deposit set up for them to take it out my account and they have every month without fail. They had tried to go up on my payments to {$150.00} and then they actually tried to go down on my payments to I think it was {$55.00}. I told them that we would keep it at {$100.00} and they agreed. I was also told that after I make 9 payments on time that my loan would come out of default status and I would be able to make my payments to the Department of Education instead of them. Finally I was told that the papers I had sent were good but they had already taken I think 2 payments and I thought we were all set. All of a sudden I get my statement in the mail and it looks different so I called them. They stated that even though I had been making payments every month on time through direct deposit that it was not qualifying payments and I would basically have to start all over again and they needed a new income statement and pay stubs. I am currently in the busiest time of the year so I have been pulling 60 plus hours every  week since the beginning of the year so when I send them my financial statement my payments will be outrageous and because I won't be able to afford those payments so then any payments I make would be non-qualifying payments therefore my loan would never come out of default. I am trying to do what I can to make payments on time every month, they are the ones who set the amount to come out my account. I feel that I have done my part and this is harassment and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The transaction was sent from another bank ( XXXX XXXX ) to my bank ( Chase ) on XX/XX/18. 
The amount sent was {$200.00}. 
The senders bank was contacted, XXXX was contacted since that is who the money was transferred through through the senders bank and my bank was contacted as well. Both the senders bank and XXXX both said the transaction went through while my bank Chase said the transaction was suspended through senders bank and then said the transaction was suspended through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I am writing to advocate banking privacy laws that would prevent or limit banking corporations practice of linking into a private citizens accounts at other banks. Without warning or explicit permission, the unsuspecting citizen suddenly finds all their account information from Bank X displayed on the website of Bank Y, two wholly unrelated institutions. 
In an attempt to link banks for a simple inter-bank transfer, I was tricked into giving Union Bank and Trust the username and password to my XXXX bank account. There was no statement of what they were going to do with that information, and I was led to believe that it was necessary for the transfer. The next time I logged into the banks website, I was shocked to find every detail of every transaction and balance posted on a competing banks web page. 
Removing that purloined link was an arduous and time-consuming process, and I am still not guaranteed that the information has truly been purged from the offending banks records. Subsequent follow-ups with bank representatives indicate that they feel no responsibility in the matter, essentially because I was foolish enough to trust them. Of course, they are covered by the usual blanket fine-print. 
My privacy has been violated, and there is no apparent recourse. I request that someone do something to protect banking consumers.

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 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I was and I still am a victim of Hurricane Michael. it happened XX/XX/2018. 5 months later, my home is still deteriorating due to roof damage, because Suntrust Mortgage has my insurance money in an escrow account. I and my contractors have filled out the required forms several times. I have faxed all forms 3 times, and my insurance co. emailed them once. Each time, Suntrust keeps adding on requirements. In the meantime, I literally have rain water pouring through my roof. have replaced tarps 4 times already. Ceilings, walls, and floors are ruined, and water pours in garage on my suv. I need MY money to begin repairs!!! There is mold growing in my attic, and thru my ceilings. My pups and I are getting sicker, and sicker. I am prepared to hire an attorney to sue them for much more than the amount in escrow.

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