vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Synovus Bank
State: MD

Complaint narrative:
This item First Progress credit card ( Account # : XXXX ) is inaccurate because this account was paid in XX/XX/XXXX but the date major delinquency first reported / failure to pay status updated on both my XXXX & XXXX credit reports to reflect XX/XX/XXXX/ XX/XX/XXXX & now my credit reports are considering this account as being late when it's already paid. The last date of delinquency should be in XX/XX/XXXX since this is when the account was charged off. My credit reports are now showing this account as a new late and since this information updated incorrectly my credit score decreased by 10-15 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My mortgage with XXXX  XXXX XXXX went into foreclosure in XX/XX/XXXX after my now ex husband was in a car accident that left him out of work for 6 mos. I applied for a loan modification. My original mortgage payment was {$2200.00} my modification offer came back at {$2000.00}, which I denied. I continued XXXX after month facing updated modification paperwork to them. Every single time, within 24-58 hours XXXX would show up with an envelope that had in it a list of what they ( XXXX ) was saying was missing from my paperwork ; it was not. I paid a company out of XXXX ( Owner XXXX XXXX ) $ XXXX/month for a year to help with the modification process, also paid him {$2500.00} cash to do what he said was a forensic audit on my original mortgage paperwork/transfer. He did nothing to help me, he simply took my money. After years and years of this, XXXX was sued for shredding customer modification paperwork and giving bonus to employees who did do. I took it upon myself to print the newspapers articles from the XXXX XXXX XXXX and The XXXX XXXX and faxed it along with my modification paperwork. My mortgage was then immediately sold to who currently holds my mortgage, Specialized Loan Servicing. I have requested a modification numerous times since XX/XX/XXXX and all three times Ive recd an offer right around the {$2000.00} mark. My house is now in serious disrepair. The roof leaks, windows are literally falling out, the ceiling in the back of my house has collapsed. Ive offered hundreds of times to pay no more than $ XXXX/month in order to save my house, and start to repair it. This was the house I grew up in. My grandfather bought this for my mom who is still here with me, but has been sick ( XXXX ) since XX/XX/XXXX. He bought this house in XX/XX/XXXX so that my mom and I would have a stable place to live. I bought it from my family in XX/XX/XXXX with the intention of keeping mom safe here until she passed, but nothing is cooperating. My house is all we have and if we lose it, mom will have to go into elder care through the state. Why do that if I can keep her here and take care of her. Anyway, this has been a long uphill battle and according to my research, it seems the SLS is doing the same stuff XXXX did. They currently have a Class Action Suit against them for unlawful modification practices.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX  credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX  XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: AES/PHEAA
State: MA

Complaint narrative:
In XX/XX/XXXX my un-subsidized loans through XXXX services were placed into deferment without my knowledge or consent. This turned off my direct debit auto-payments, again, without my knowledge or consent. In XX/XX/XXXX I finally got an email alert saying that my payments have been turned off at which point I had to call and get the deferment reversed. 

Since my payments had been turned off from XX/XX/XXXX-XX/XX/XXXX my principal balance remained higher than it would have been if they had not turned off my payments. As a result the interest payments that XXXX applied to my principal balance were also higher than they should have been. All of this leads to them charging me more money under the guise of a " service benefit '' ( their words, not mine ) which I never asked for or desired. 

So in conclusion, XXXX made changes to my account which allowed them to increase the amount of money they say I owe, and this was all done without my consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: RI

Complaint narrative:
I applied for a Payday loan on Moneylion.com. They states it would be paid back in payments of {$36.00} every payday until it was paid. I gave them my bank information. After giving them my bank information I was informed I did not qualify for the loan. I forgot all about it until my next payday when they took {$36.00} out of my bank account. I was told it was for their premium membership, which they did not state was where the {$36.00} a month was actually going and had nothing to do with the loan. I requested a refund 3 weeks ago and have been in contact with them since. First they had to let the payment process. Then it would take 5 business days. Now I emailed them yesterday and they said they had no record of the refund being requested or initiated and it would be another 5 business days. These people are the scum of the earth, please look into them. Im sure Im not the only person theyve bait and switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/2018 I opened an account with Citibank with the promise that if I deposited XXXX, in 6 months I would get {$400.00} bonus. I got the email and everything was good. Came XX/XX/XXXX I called citibank to see when I was getting the bonus and was told XX/XX/18. XX/XX/XXXX I called again because I still havent seen the money and this time was told that I was not going to get it because I didnt qualify. Now the only thing I needed to qualify was deposit the money which I did n now they refuse to give me the money. I put in a dispute with the XXXX  as well and now need to know how to take them to small claims so they never do this again to anyone else.

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 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. 
It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.

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 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a XXXX XXXX Rewards Card and contacted Chase to file a claim due to an illness and our inability to make it to an event we purchased tickets for. I was transferred to XXXX XXXX services and was told that they could not honor this as my card didn't have this benefit associated with it. 

I pointed them to : XXXX XXXX XXXX   where the benefit reads " If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$5000.00} per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. * '' They said this was an error and my card was not eligible. I contacted Chase as they had mentioned that if I was not successful in filing this claim via XXXX XXXX, that they could dispute the charge. I attempted to do this on XX/XX/19 and was told I could not file the claim. 

Both Chase and XXXX XXXX have misrepresented the benefits of this card to their cardholders. I promptly closed my account with them this morning. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Im Being charged an interest rate when that was not a part of the original contract.i only owe XXXX not XXXX something.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CapitalOne caalled more than once from XXXX XXXX XXXX. This number, when researched, comes up as XXXX XXXX XXXX. Spoke to a XXXX # XXXX employee id #. Stated i wanted a verification letter of the debt. She yelled at me saying we sent one, you didnt give it enough time. I just requested the letter today. She also stated legal action against me. She stated legal action against me after 90 days, the account is charged off. I stated she broke the law with stating legal action against me, and that i would submit that to a the bankruptcy court. She transferred me to a supervisor XXXX # XXXX. I stated the same, debt verification letter, do not call request and bankruptcy. I asked for hardship they could.not stae payment amounts. They could not absolve the debt. Did state a settlement amount of the total debt 20-25 %. They said.no. They did say you can pick your amount.i stated d would .file bankruptcy. On the account a secondary user was also added which CapitalOne ran their credit as a primary user which showed up on a credit report. The secondary user will also file a bankruptcy. Three agents from this company also were asking about my personal conditions as to hardship,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
PennyMac mortgage company sent me a transfer letter saying that I would have a new mortgage servicer and that they would no longer process my payments at did the XXXX of XX/XX/2019. So I sent a payment to my new servicer but PennyMac still went into my account and took another payment and says they have no report of it. Even though they talk to the bank to prove that they took the payment out they still say they have no record of the payment being taken out. My account number with the mortgage companies XXXX XXXX. I have forwarded copies well my bank transaction a copy of the money order I sent to XXXX the new service center

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 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: GA

Complaint narrative:
I am 8 years into qualification for XXXX. 

I submitted my normal income recertification to stay on my income-driven repayment in XX/XX/XXXX, meeting the deadline XXXX set for me to submit these materials. At least 2 times during XX/XX/XXXX I contacted XXXX via message and phone call to check on the progress of this application since I had not heard anything. I was informed that the application was on-track ( or did not hear anything in the case of my private message sent via the website ). 

However, I was finally informed on XX/XX/XXXX, that apparently my application was incomplete. That same day, I re-submitted application materials, and XXXX is currently " processing '' this application. I have already been informed that the recertification will not be completed in time for my XXXX statement and that any payment that month will not count toward XXXX. I am very angry as this is not the first time such a lapse has occurred due to XXXX 's slow movement. 

I have called XXXX nearly every day in the last week to ask that the loan by expedited, particularly since the 5-week delay in the original processing was entirely XXXX 's fault. I have been told that they can't even put in a request to expedite until XX/XX/XXXX. 

What can be done to expedite this process and fix the missed month ( or more! ) for PSLF-eligible payments due to XXXX 's delay in informing me about the supposedly incomplete application, which was submitted by the deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank is trying to get fees out of me by eliminating pending transactions a day after I charged my debit card. I made an external transfer into the account to cover the balance BEFORE the fee was even charged. I made a charge on XX/XX/XXXX and it was pending all day on Tuesday XX/XX/XXXX. On Wednesday morning I noticed my account was overdrawn and I made a transfer to more than cover the amount of XXXX and the bank still charged me {$35.00}. As of Wednesday morning there are still pending transactions which would make the posted balance a positive balance. Fees are charged once the posted balance reaches 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 monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your Capital One bank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX and again XX/XX/XXXX related to that application. An official dispute of this information was provided to Capital One Bank XX/XX/XXXX however as of this date Capital One Bank has failed to reply to the status of the investigation as is their obligation. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: All Credit Considered Mortgage, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 I was approved for a loan. I signed all required documents. I submitted all paperwork requested. I paid {$470.00} for an appraisal at the lenders request. I acquired insurance at the lenders request. On XX/XX/2019 I signed a Closing Disclosure. After signing there was no response. Eventually we were told a " calculation '' error was made by the lender. No one would respond to numerous calls and emails from myself or my mortgage broker. Finally once we escalated our concerns. On XX/XX/2019 at XXXX. I received and email rescinding the loan offer.

Company response to consumer: Closed with explanation