vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: AES/PHEAA
State: CA

Complaint narrative:
I want to start off saying I've been sent here from the XXXX stating they could not help with my situation. Though I've been trying to get on an income driven repayment plan for over 5 years now. Maybe longer. Though I've contacted fedloans at the beginning and they stated multiple times I'm missing something even though I've double checked everything and I still get declined. After a certain point the only thing I could have done at that point was keep halting my payment. 2 years ago I noticed they had the option to finally sign for it online with the IRS. I did and I got declined for it for not idea as to why. When I contacted them they themselves couldn't understand why I was declined either. I never got an actual answer to the problem. Last year I signed up again and I actually got approved for it and I was so happy I could finally get this fixed in someway. Whoever I talked to at the time stated I needed to make an actually first payment of XXXX $ to have it converted to the plan. I did so on a date I clarified if that would be ok to the person I was talking to. They stated yes and I was happy to hear that. I did call a couple times to clarify if my account is switching to the new plan since I kept seeing a late charge still on my account. Everyone I talked to stated yes it will changed. I was relieved to hear that. So after a certain point I saw the charge go away and excited to see the new payment. After the month I saw the payment revert back to the old payment. I was confused and really annoyed, angry, and disappointed that fedloans hasnt done anything. I called and they stated that I needed to make a {$5.00} payment to get the payment to revert ( which I knew about, but no one stated anything about this payment ) I told then I made a payment already for XXXX which should have been for the revert. They stated if I wanted to use that payment to use it for the revert fee. I befuddle on that question after telling them that exact answer. I stated yes and they stated they will put something down to get that fix. Cut to a month or so later I get an email throw my fedloan account on their site and they stared that it was decline. Why you may ask. Because I did not process an actually payment for this charge. At this point I dont know what to actually do at this point and I have yet to call them. I also wanted to state I have emailed them throw XXXX since they have an actually email option for contact on their site, but to this moment I have never gotten a response back. I have told them about it when I call, and they only say that's weird that no has responded like that is suppose to fix the problem, but that is basically what's going on and I dont know what to do. They marked me as a delinquent on my account, but I legitimately have no idea what to do at this point except keep halting my payments I'm trapped at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After a review of my credit report I found that Transunion is still reporting inaccurate information. Their failure to correct my report is going to cause a delay/ denial in a job for a per employment credit check at a bank I have applied with. In addition their failure to correct my report negatively affects my chances for future credit that I will be applying for. Specifically they continue to report outdated, inaccurate, and incomplete information. 

My current address is as listed in this complaint. 

They failed to correct this in my last complaint. 

XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Transunion legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 


In addition to failing to correct my address and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 
Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed  against business

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 2020-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
1 Payment that was made was not credited correctly. {$180.00} int. {$130.00} principle 2 Deceptive practices ( I tried to elaborate on what the contract says about waiving up to {$500.00} and the deductible of the primary insurance and I was told that was only if there were a {$1000.00} deductible. I pointed out to them that my contract stipulates my deductible can not go higher than {$500.00}. So I was told that the clause didn't pertain to me only people with a {$1000.00} deductible. I was first told by XXXX XXXX and then I insisted on speaking with a supervisor. Thats when it was confirmed to me my XXXX XXXX. 

I purchased my truck on XX/XX/2019. My first payment was due XX/XX/2019. I made my payment on XX/XX/2019. I got into a accident and totaled my truck, on XX/XX/2019. I was fully insured and I had GAP. XX/XX/2019 {$9800.00} {$10000.00} bal {$310.00} payment principle {$130.00} interest {$180.00} {$9900.00} bal {$9800.00} paid by insurance {$91.00} bal GAP should've covered this. 

I tried on numerous occasions to resolve the matter. I was told that they would let me settle it at {$300.00}. When I would ask a question I was talk to like i was some XXXX. I asked why gap wouldn't cover the balance and they told me because I was behind in payments. 
A hard inquiry was added to my credit report by AUTOMOTIVE CREDIT CORP on XX/XX/2019 XXXXWHY WOULD THEY RUN MY CREDIT AGAIN? XXXX I bought my XXXX XXXX XXXX on XX/XX/2019. I paid {$590.00} for GAP. The 48 month term that I signed started XX/XX/2019. My vehicle was totaled in a accident. Someone slammed into the back of me that didn't have insurance. The accident date was XX/XX/2019. According to the gap contract it will cover the balance of the loan. My insurance company paid it off in XXXX. Automotive Credit Corp told me that gap wouldn't cover it because I was behind in payments. I went through 3 different people and no one would listen. Finally the supervisor of the insurance part tried to convince me of just a bunch of XXXX. In the waiver it states " ( A ) If the vehicle is protected by insurance, lender will waive the GAP amount and the waiver shall include the primary insurance deductible up to {$500.00}. 
I tried discussing this with them and I was told that it was for people that had a {$1000.00} deductible. I asked where is this disclosed? And then emphasized that in my contract it states that I can only have a {$500.00} deductible. 
Then my credit was ran by them. This happened for no reason and I didn't authorize it. 
They also did the interest and principle wrong. it should've been {$180.00} interest. 

They have reported that I was 120 days late. Then because of disputing they had to remove it and changed it to 119 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was Not made aware this was on line banking only when I opened and that I would have No Access to this Account Due to my XXXX XXXX I have had a XXXX income for 15 years USAA is responsible to Notify me I will have No Access to Monitor and Manage my Account. to remain safe. and protected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: AES/PHEAA
State: IN

Complaint narrative:
As of XX/XX/XXXX I have 8 AES/XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX  customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: OK

Complaint narrative:
I received a collection letter dated XXXX from Progressive Management Systems in XX/XX/XXXX. They also hit my credit on XXXX with a collection for {$1200.00} despite the letter stating that they would NOT report to the credit bureaus unless I failed to respond to their letter within 30 days. On XXXX I sent them a debt verification request via certified mail which was received by them on XXXX. As of XXXX XXXX XXXX I have received no communication or validation that this alleged debt belongs to me, no dates for the original debt to prove that it's still within the statute of limitations for collections, nothing. They are continuing to hammer my credit with the collection, adding interest and reporting it every month. They are in violation of the FDCPA for their failure to respond and failure to provide proof of the alleged debt. I will be happy to involve my attorney if this they don't take this collection off my credit and cease all collection attempts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone logged into my Bank of America account and transferred funds via XXXX to two separate individuals. 

One amount was XXXX it occurred on XX/XX/XXXX The other another was {$1200.00} occurred on XX/XX/XXXX I have contacted Bank of America and explained I didnt authorize these funds. They said there is nothing they can do. 

I was also sent a check for work performed. The check cleared ( bank if America cleared it ). The amount of the check was {$6300.00}. Two days later it shows the funds as NSF and they charged me a fee and told me that because deposited the check it isnt fraud. How was i to know the check would bounce. Especially if I was saw that it was cleared. They are saying its not fraud and theres nothing they can do. 

I have filed a police report and an fbi report as well.

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 monetary relief
Consumer complaint received 2020-01-24 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: U.S. BANCORP
State: CA

Complaint narrative:
US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. 

I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. 

As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX  XXXX  and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX  XXXX  XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! 

To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. 

While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed.

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 monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I never authorized anyone to transfer funds from my account using Zelle. 
On XX/XX/2020 two transactions were made. Two different people. 
One in the amount of XXXX and the other in {$1200.00} I am being scammed, never authorized the funds to be sent. And both my bank and zelle refuse to take on liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my XXXX off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my butt off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.

Company response to consumer: Closed with explanation