vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the course off the last 12 months XXXX has applied numerous invalid fees and charges ranging from fraudulent transactions to hidden fees. In all a total of {$4000.00} in these charges have been added to statements. I notified the company in XX/XX/XXXX that we would suspend all payments until the incorrect billing was fixed. The company failed to address the matter and suspended the account. The company are claiming we owe a total of {$8300.00}. I had initially agreed that of the {$8300.00}, {$4200.00} was legitimate fuel usage and offered to pay this amount providing they could provide a correct statement reflecting this. I spoke with XXXX XXXX who refused to look into the matter and threatened collection if we did not pay the balance. She then offered a 20 % discount to which I declined. I advised her we did not need a discount but only to be billed correctly.

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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from Navient providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with Navient . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from Navient can seem to tell me why this continue to happen. During the month of XX/XX/XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. Navient is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received in the mail a check from cashing in some of my XXXX stock I called Suntrust bank ( XXXX ) the same day XX/XX/XXXX and asked when will my check clear because I need the money for my XXXX year old XXXX items that she wanted. I was advised during the conversation on XX/XX/XXXX that my check will clear in the morning. On XX/XX/XXXX I checked my account and noticed that {$200.00} was cleared and the balance of {$51.00} was being held until XX/XX/XXXX. So I transferred the {$200.00} that was cleared into my savings account which left me with a balance of {$11.00}. I have no idea what happened within 20 minutes but by the time I got to a gas station trying to get {$10.00} in cash I had insufficient funds ( How embarrassing in front of everyone at the store ) Now here I am with no gas to get to work. I called Suntrust Bank when they opened and spoke with a representative whom at that time told me that she will speak to the department who can authorize an early release of my funds. Imagine my surprise when the representative informed me that she spoke with the authorization department and they informed her that this check most like isnt going to be cleared as if the check was fraudulent. On top of all of the the hold was extended an extra week which means my daughter XXXX check wont clear until XX/XX/XXXX. This is so wrong on so many levels, the check is legit, from my stock. Also I would like my phone calls pulled and investigated because I know that no one from neither XXXX nor XXXX XXXX company told Sun Trust at XXXX on a Saturday morning that something was wrong with my perfectly legit check. They are taken away access to my funds for XXXX no fault of my own and I would like to Sue.

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 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Does not honor promotion offers. AMEX ran a promotion last XX/XX/XXXX for 100k XXXX XXXX points after $ XXXX spend. I accomplished over $ XXXX spend in the required time frame but afterwards claimed that the sign up was not tied to the promotion even though the email was offered as proof. Have called several times to resolve, but they use delay tactics, and close the complaint without communication. Terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Experian to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Experian to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Experian and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Experian for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no orginal documentation as requested. 

XX/XX/2019 : Wrote to Experian for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are 3 accounts taken out in my name when I was overseas. I contacted capital one and asked to dispute and they said it was accurate I said it was fraud and they refused to take it off my report. The last name on some accounts arent even my last name nor is the social on 2 of them so Im confused on how they can hold me responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom this may concern, I have contacted all 3 credit agency about this account and ask that they valadate this account becouse I don't have a contract withis company and asked that it be deleted and they refuse to do it and it is in accurate and they keep saying it's accurate but will not send me a copy of a signed contract with my signature on it plase help me take care of this issue as soon as possiable. 
amout on this account is {$2000.00} I started contacting them about this account on XX/XX/2019 and with no removal yet, I asked that is accunt be removed for my account

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 2019-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo lied about removing my primary mortgage insurance qualifications. 

They have changed the original terms agreed when we started our loan. We have never missed a payment or been late. In fact we pay more into our mortgage every month. 

They have also now requested a 75 % LTV to remove Primary Mortgage Insurance. 

As stated in our original loan documents we can request to remove PMI after 80 % Loan to Value. 

They now are asking for us to pay an additional {$25000.00} to remove our PMI. 

Please help us out.

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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Equifax to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Equifax to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Equifax and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Equifax for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no original documentation as requested. 

XX/XX/2019 : Wrote to Equifax for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased tickets today via a XXXX ad. I used XXXX with XXXX through my bank. I though Fraud Protection covered this service ( as XXXX does ) as it is directly through Chase Bank. When I called Chase to report the incident, they said I had no recourse. 

When the tickets were not delivered, the individual never responded and essentially ran away with {$310.00} of my money. It's crazy, my checking account isn't covered, but had I used a credit card it would be? Shouldn't our cash accounts ( such as checking and savings ) be protected the most? 

I am just sick over it. That was for a very special XXXX gift for my children and I don't have money to replace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  XXXX I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion  dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting 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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000  years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a XXXX   dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting 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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to TransUnion to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to TransUnion to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to TransUnion and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to TransUnion for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no original documentation as requested. 

XX/XX/2019 : Wrote to TransUnion for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
In the Summer of 2019 I was informed that my mortage at XXXX XXXX  was sold to XXXX XXXX ( headquartered in Virgina, I believe ) I received a letter from them saying I need to set up an AUTO Pay. I called the phone number listed and spoke to someone who said I need to set up my auto pay eventhough I had an autopay with XXXX for several years. In early XXXX I found out that duplicate withdrawals had been taken, XXXX, XXXX, XXXX. I contacted them ASAP. After waiting LONG periods of time and having my call dropped, and give incomplet information about how to request two payments returned, I spoke with a " supervisor '' on XX/XX/XXXX. Again I was given incorrect information and she said she would call me the next day ... .she ( XXXX XXXX ) did not. She gave me a phone number which she said was her direct line ... I have called several times a day and the number when to a general message center as I did not have her last name. She finally called me on Wednesday and we had a conference call with a representive from XXXX Bill Pay department. She said everhthing was in order and she would update me later that day ... ..she did not. I have tried several times to call her, NOTHING. Becaquse of this I had over draft charges and had to take out a high interest loan to pay my bills which were due. I am going to Refinance as I give their company and service a XXXX XXXX XXXX also promised to send me an overnight check XXXX XXXX also promised me an overnight check in the amount of two payments of {$1100.00} NOTHING

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