vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had problems getting a dispute by XXXX XXXX XXXX removed from my Experian report. Both XXXX  and XXXX have had no problem removing the item. XXXX XXXX XXXX Scams small businesses and the credit bureaus should not be allowed to give them a platform. Small businesses are the backbone of this countrys economy and a large company thats sole business model is to defraud them into paying {$5000.00} for a {$150.00} credit card machine is shameful. XXXX XXXX XXXX makes up 25 % of New York States default judgments. They exist to sue. Think broke numerous State of Texas door to door sales laws against my company when they tried to got me to sign up. I have filed complaints with the NY Attorney General and Texas Attorney General. NYAG even has a lawsuit against them, and they lost lawsuits in other states for there criminal enterprise as well. I sent all my evidence and certified letters to Experian showing how this company was defrauding me and all they report back is that it is a valid debt. I want to know how it is validated and the proof of it. It is not a valid debt it is theft and should not be allowed. Just like loan sharks dont have access to a credit report this company should not 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 explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
COLLECTOR KEPT CALLING MY CELL, MY MOTHER CELL AND MY FATHERS CELL AND MY WORK NUMBER AFTER I SENT THEM A CEASE COMMUNICATION LETTER. 17 CALLS TOTAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage has been misapplying additional principal payments on our mortgages for the past 20 years. 

We have contacted Wells Fargo Mortgage several dozen times and have requested that our payment logic be updated so that any additional funds received are applied to principal and not to pre-pay interest. We have called to confirm that our standing payment instructions are to to date several times. 

Wells Fargo Mortgage frequently and systematically removes our payment instructions so that payments are applied to pre-pay interest and not to pay down principal. This has occurred on there different mortgage accounts over the last 20 years. 

This issue has occurred twice this year on our Wells Fargo Mortgage. After calling into the customer service center we discovered that our payment instructions have again been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband had opened a citibank checking account approximately in 2001. He had a credit line also on the checking account which I wasn't even aware of. When we married he put me on as a secondary signer. My husband filed bankruptcy and Citibank decided to attack my credit which I find incredibly unacceptable. I don't even work and that's why my husband added me in the first place. I wasn't even contacted which is ridiculously unprofessional. I'm even a customer with several credit cards and a checking account which are all in excellent standing as a loyal customer. I'm disgusted and want to know who did this, who's responsible for this incorrect tarnish on my credit history which I take pride in?!? 
Please help me fix this error : )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Fay Servicing, LLC
State: DC

Complaint narrative:
Back in XX/XX/XXXX/XXXX  of 2017, I made my mortgage payment thru XXXX  thru a wire transfer. Fay Servicing contacted me on the last day of the month and stated I had to made by mortgage payment. I immediately gave permission to make a payment at that time. The next day was the XXXX  of the month, and upon checking my account, I noticed that Fay  Servicing had already been paid the previous month on the XX/XX/XXXX. I immediately stopped the telephone payment and contacted Fay Servicing to find out why the rep had lied and told me I was late on a payment, that had already been paid. Since that time, my rep has changed 4 times, and no one seems to be able to help me. Currently, I have 3 late  payments this year, and once I realized the discrepancy I immediately attempted to have an investigation done, to no avail. The conversations are recorded and I have all of my transactions documents. In the meantime, the payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I opened an account with Usaa in XX/XX/2018. I was asked to verify my military status and to send in an Id. I sent Usaa my id and my XXXX. I applied for a credit card and was approved. I had an option to have a different mailing address. I changed it and everything was fine. as I tried to use my credit card. they froze my account for verification. per verification they first said they closed my account because I had a past due balance of {$25.00} then they came back and said because I didn't answer the phone when they called that they choose to close my account and I can make an appeal. when I asked why they had to valid reason. I felt like I was being treated as a criminal. they have had poor communication regarding this whole matter. their information was not consistent and they treat new customers like criminals. I have not committed fraud. I have not made a report to the credit bureau so this treatment even after I have been verified is unacceptable. I am requesting for a investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had two cards tampered with prior to purchase. One was already inactive due to pre-activation activity, the other was terribly damaged and the magnetic stripe had been destroyed. I asked for the cards to be registered, inactivated, and replacement cards sent, but both the representative and supervisor insisted on charging me a XXXX fee ford doing this despite the fact that it was not my fault the shoddy security allowed these cards to be compromised prior to my purchase. The packaging was faultless, but this company for some reason routinely has compromised cards in faultless packaging. Both the predictable sequence of numbers of their prepaid cards and easily tampered packaging make their cards seemingly easy targets for thieves, and they seem uninterested in buffing up security and completely unconcerned how this affects 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 non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I took out a student loan in XXXX and had paid on the loan for several years, including when I was serving overseas for the XXXX XXXX. In XXXX, the XXXX won a lawsuit regarding Sallie Mae/Navient mishandling of loan repayment and I was issued a settlement check. I did not hear back from Navient. A few months ago, I had received calls saying my initial loan was not paid and instead was thousands of dollars more. I have reached out to the company asking for proof of financial debt and payments already sent to no avail. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
I've been called twice by a company called XXXX XXXX XXXX. They have called me from the number ( XXXX ) XXXX, which is a Texas based number but the organization is in Ohio. 

In both calls, the organization has not identified itself as a debt collector and has threatened " further action '' against me. They've provided no information, written or verbal, regarding whatever claim they are making. 

The caller today ( XX/XX/18 ) was Mrs. XXXX. I did not get the name of the guy yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am a victim of identify theft and Chase Bank is violating my consumer protection rights. I have contacted them and informed them that my ex   husband opened credit cards in my name. The company responded by saying that the address on the account matches my home address therefore the debt is valid. This is ridiculous and I demand that they investigate my claims immediately. I want these cards taken off my credit report and a full fraud investigation. The lady I spoke with today said the debt was valid even though I provided the name of my ex husband and information, including but not limited, the bankruptcy filing which included these accounts. This is ridiculous and I want this off my credit report immediately. I will settle the debt but I want the tradeline deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX I deposited a check for {$1600.00}, that was issued to me by a web company I had done some work for. The next day, XX/XX/XXXX, I tried to transfer funds into my son 's High School checking account, but was unable to do so. I then called Chase bank 's customer service number ( XXXX ) to ask why this was the case and was informed that a restriction had been placed on my account and was transferred over their Fraud Department. I then proceeded in speaking with a rep who told me they had to wait for the check to clear or get verified before my account could be accessed, but no further information was provided. I wasn't worried at that point because I knew it was standard operating procedure. The next day, Friday, XX/XX/XXXX, I logged in to check for my payroll direct deposit which usually comes through every 2 weeks, and did not see any credits into my account. As soon as I could, I called Chase customer service again to find out if there were any pending credits, and once again was transferred to the Fraud department, and this time received more information about how even my direct deposit was blocked from going through - AND whatever available funds I had in my account prior to the check deposit on XX/XX/XXXX was being held from me without any access to it whatsoever leaving me stranded over the weekend without any money whatsoever. I understand the whole process of putting a hold on funds against a check with questionable validity but to restrict an entire account with verified and available funds that had been sitting there AND to block a direct deposit from going through is just wrong. You are punishing your customer for something you deem fraudulent without any form of recourse. I would at least expect access to my money with the exception of the funds being held. I was told I needed to wait for an additional 2 business days and if there was no resolution to the case, the account would be closed within 10 days. Why are you punishing your customer for something I had no hand in, nor knowledge of? I deposited a check for work I performed because the bank the check is drawn from is not local to me, and because I only bank with Chase, I have no other way of negotiating the check except to deposit it into my account. How do I even correct this? Someone please explain how what you just did is legal. I just would like access to my own verified funds and my direct deposit to go through. I have bills outstanding that have to be paid. They should have looked at the history of my account and seen that it has always been and consistently used for legitimate purposes. If you must, place a hold on the funds for the amount of the deposited check but to put my account on full lockdown is beyond me. I didn't get any notifications or alerts that Chase was going to restrict this account, and I am appalled they would leave their customer stuck like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I HAD A PAYMENT DUE ON MY ACCOUNT WITH ONE MAIN FINANCIAL IN XXXX, MISSISSIPPI. I CALLED TO LET THEM KNOW THAT I HAD NOT RECEIVED MY CHECK IN MY DIRECT DEPOSIT AND THAT I WAS BEING MAILED A PAPER CHECK ON FRIDAY XX/XX/2018. THE COMPANY SAID THEY WOULD NOTE IT AND SEE ME FRIDAY. SO TODAY THEY CALLED ME 3 TIMES WITH IN ONE HOUR 1ST CALL WAS AT XXXX THEN I RECEIVED A TEXT MESSAGE FROM AND EMPLOYEE IN THE COMPANY THAT I KNOW THAT STATED HEY DEAR YOU PAYING TODAY THERE FIXING TO CALL AND BLOW UP YOUR PHONE. I RESPONDED TO SAY THAT I WAS WAITING ON MY CHECK TO GET HERE BUT I WOULD BE THERE BEFORE THE END OF THE DAY AS I HAD SCHEDULED. THEN I RECEIVED ANOTHER CALL FROM THEM AT XXXX. I THEN CALLED THE COMPANY AT XXXX XXXX AND ASKED TO SPEAK TO THE MANAGER. I ASKED HIM WHY I WAS GETTING REPEATED PHONE CALLS FROM HIS COMPANY AFTER I HAD ALREADY TOLD THEM I WOULD BE IN TODAY? HE RESPONDED AND SAID THAT THEY WERE JUST FOLLOWING UP. I SAID YOU FOLLOWING UP 3 TIMES WITH IN AN HOUR AFTER I TOLD YOU THAT I WOULD BE IN ON FRIDAY. HE SAID THAT WE WOULDNT HAVE THIS PROBLEM IF I WOULD JUST MAKE MY PAYMENTS ON TIME. I ASKED WHEN MY PAYMENT WAS DUE HE SAID ON THE XX/XX/XXXX I THEN RESPONDED AND SAID THAT MY ACCOUNT WAS NOT EVEN 30 DAYS PAST DUE AND THAT I HAD ALREADY TOLD THEM I WOULD BE IN FRIDAY XX/XX/XXXX WITH MY PAYMENT. HE SAID THEN WHY DONT YOU JUST PAY ME OFF. I WORK IN THE XXXX XXXX AND WE DO NOT BAGGER AND CALL PEOPLE REPEATEDLY AFTER WE SET THEM FOR THE DAY. WE CALL THEM THE FOLLOWING DAY IF WE MISSED THE DAY THEY ARE SET TO COME IN. THIS MANAGER WAS EXTREMELY RUDE AND DIDNT SEEM TO CARE THAT I WAS UPSET ALL HE WAS WORRIED ABOUT WAS THAT HE DIDNT KNOW WHY I WAS STILL TALKING TO HIM. HE FINALLY HUNG UP ON ME. IF YOU TELL SOMEONE YOU ARE COMING IN AND THAT DAY HAS NOT PASSED AND YOU ARE NO WHERE NEAR THE DAY BEING OVER. WHY ARE YOU CALLING ME AND CALLING ME AND CALLING ME AFTER I HAVE TOLD YOU THAT I WOULD BE THERE. MUCH LESS 3 TIMES WITH IN THE SAME HOUR. THAT IS ABSURD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CO

Complaint narrative:
I made 6 withdrawals in one statement period from my money-market account at XXXX ( the online version of IberiaBank ). 

I was charged a {$15.00} fee for too many withdrawals. I called them twice, and they said that because 7 withdrawals were made in XXXX, that I exceeded the maximum number. 

But those are not the rules established in Regulation D of 12 CFR 204. The rule is not " monthly withdrawals, '' it is " per statement period. '' My statement period was from XX/XX/2018 to XX/XX/2018, and I made exactly 6 withdrawals in that time period : XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$1100.00} XX/XX/2018 - withdrawal for {$10000.00} XX/XX/2018 - withdrawal for {$5100.00} XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$4200.00} Their response was that I made another previous withdrawal in XXXX : XX/XX/2018 - withdrawal for {$10000.00} And therefore they charged a {$15.00} fee. But this is not correct, because that withdrawal was in the previous statement period. 

On the phone they said they couldn't reverse the charge and transferred my call to a " department '' that never picked up the phone. 

I have all of the statements and will provide if needed.

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 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2018 sent a letter to Receivables Management Partners , LLC located in XXXX XXXX, IL XXXX. I requested for RMP to provide me a copy of my signature with the provider of service with XXXX to release my medical information to RMP. In addition, I requested for RMP to cease any credit bureau reporting until the debt as been validated by me. 

On XX/XX/2018 I sent 2nd request for Receivables Management Partners , LLC to provide me a breakdown of fees including any collection and medical charges. In addition to provide me a copy of my signature with provider of service to release my medical information. It has been many phone calls after I demanded that the phone calls need to stop. I asked not to contact me by phone call only through via mail. They have failed to stop the phone calls after I have sent two letters to provide me with the information they are required to provide me under the Fair Debt Collection Practices Act ( FDCPA ). I am allowed under the Health Insurance Portability and Accountability ( HIPAA ) to protect my privacy and medical records from third parties. I have asked many times to provide me a contract with my signature that I have to pay them. All the letters sent to them were mailed as certified and return receipt to Receivables Management Partners , LLC. They have failed to provide me what is required to verify the account. I do not recall the fees and amount since I have asked the hospital with financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: NY

Complaint narrative:
HI I WAS A STUDENT A XXXX XXXX XXXX, SINCE I GRADUATED, IT WAS TO DIFFICULT TO FIND A NJOB BECAUSE IN XXXX THEY SAID IF YOU DONT PAID THE LOAN YOU WILL NOT BE ABLE TO GET YOUR DEPLOMA SO I WAS WORKING ON A FAST FOOD RESTAURANT AND THE MONEY THAT I MADE IT WASNT ENOUGH FOR ME BUT SINCE I DIDNT HAVE NOT DEPLOMA AND NOT OPTION TO GET A BETTER JOB, MY LOAN WAS GETTING OUT OF CONTROL IT WAS ONLY XXXX YEAR XXXX   DEGREE AND ALMOST XXXX IN LOANS AND I DONT KNOW HOW? SINCE THAT DAY I NEVER WANT TO GO BACK TO COLLEGE BECAUSE I WAS AFRAID, I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation