vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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: WA

Complaint narrative:
I've submitted dispute letters to XXXX  and Equifax and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had a problem with this company before, but my problem now is i cant afford i cant afford the fees, late payments etc. I work at a XXXX  and we have unpaid vacations and hard to catch up.

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
this complaint is in reference to complaint # XXXX Where as I notified by CFPB that SageStream LLC refusal to answer complaint. this is no surprise because Sage Stream refuse to answer request for a copy of my Consumer report and request to put a freeze on my credit report. Still to this day. I submitted a forth request via certified mail # XXXX that was signed and delivered to the company on XX/XX/2020. 
When this complaint is forwarded to SageStream it will be followed by a lawsuit being delivered to there registered agent and they will be able to answer for the Company 's transgression in a court of law where i I will sue for damages as I am able to do under the FCRA. I dare them to not answer that complaint when it is delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: WA

Complaint narrative:
I've submitted dispute letters to Transunion and XXXX  and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA

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 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank Of America. 
Their smallest accounts for Checking and saving carry a minimum balance of {$1500.00} and {$300.00} respectively. 
If you do not maintain the minimum balance they charge those accounts {$12.00} and {$5.00} respectively. This is predatory banking. 
They have charged these " monthly maintenance fees '' to my accounts for over 12 years. 
Bank of America has the most numerous banking facilities in my location compared to other institutions. 
I have contacted the bank over the years numerous times. They report there is nothing they can do.

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 2020-03-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I went online to get a rental car in XXXX  on XXXX with XXXX . XXXX set it up with a rental company call XXXX  XXXX. I use my XXXX XXXX credit card and it was all set. I fly to XXXX  and when I get to the rental company, it is close. So now I have no way to get to where I'm going. I went to another rental car company that was open and rented a car.When I get back a month later XXXX XXXX mastercard say that this is what I was suppose to have charge.But XXXX is tell me that they didn't put this on my charge.But for the last 5 to 6 months I have been going around with Barclays Bank Delaware about this charge and they are trying to say things from there is no cancellation, and that the XXXX  XXXX  got paid for the rental without me signing anything. Can you help me get to the bottom of this with Barclays Bank Delaware c/o XXXX XXXX mastercard. I have try every thing from talking to XXXX and XXXX XXXX  and it still on my credit card.

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 2020-03-22 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 — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDLOAN XXXX to XX/XX/XXXX 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 check 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 2020-03-22 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/GLELSI XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX 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 check 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is the second time I have had this issue with this Bank. 

The problem is that they keep posting transactions in ways such that I will have an overdraft. 

Just two weeks ago, I paid my phone bill on a Friday when they were funds available to the account. 

The amount was {$170.00}. 

It stayed in the pending status for a couple of days, and then another transaction came through and they hit me with overdraft fees for, I believe two transactions. 

Just this Friday, a credit card payment was scheduled in the amount of {$38.00}. 

That means that the money was supposed to come out of the account at midnight on Thursday. And this payment was scheduled with the credit card company 3 days before the transaction was supposed to happen. 

In practice, what happened is they waited until Friday or Saturday night to post the transaction, at which point the account went into overdraft. 

If the payment had been set up for the proper time, then it would have taken away from the available balance on the account and the issue would have been solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I don't have a problem with this company i just fell behind

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: LA

Complaint narrative:
I was called by One File.org back in XX/XX/2016 about consolidating my loans into a new program that would allow me to make much lower monthly payments based on my income and that all student loan debt remaining after 120 on time monthly payments would be forgiven. The initial quote from one file was a monthly payment of {$120.00}. They told me that I would need to make 3 installments of {$300.00} in order to have my loans included in this program. I never agreed to pay the fees or to have my loans consolidated, I just requested that they send me all of the information and my final quote after I provided them with my income documents. I later found out that they had taken the complete {$900.00} fee out of my checking but never did anything about my loans, so after about 6 months I called to inquire and they said that someone would have to call me back. 3 months after that I noticed that I was receiving mail from a loan servicer named XXXX XXXX XXXX XXXX and that this same company was taking {$240.00} per month out of my checking account. I called both companies immediately. XXXX XXXX told me that they were servicing my consolidated loans. One File.org still could not answer my questions and when I requested the fee be returned to me and told them that I never agreed to have my loans consolidated, they told me that they would have to have a supervisor pull the recording of the calls and get back with me. One File.org was also taking {$10.00} per month from me for broker fees. Someone from XXXX XXXX told me to change my FSA ID and password to end the illegal fees, so I did but somehow One File.org changed it again to continue taking the fees. To this day, I call frequently with no response from One File.org and now pay more per month than if they had never called me to begin with.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
I called One Main financial to ask about deferment of payments while I'm laid off on furlough for the Coronavirus pandemic. And they wouldn't allow it. Said i didn't take bbn out the insurance for this. And they were not offering any help in the matter without it. I've never missed a payment and have never been late on a payment. This saddens me that they're offering any help. I will never borrow from them again. When I pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been 60 days with absolutely no response from the bureau about my complaints which is in complete disregard of the law. I hope that with your help this will no longer occur

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX XXXX : {$16000.00} 08 XXXX ACCT : XXXX AMT : {$16000.00} XXXX XXXX  ACCT : XXXX AMT : {$1600.00} XXXX  XXXX  XXXX-XXXX  ACCT : XXXX AMT : {$400.00} XXXX/XXXX  ACCT : XXXX AMT : {$640.00} XXXX/XXXX  ACCT : XXXX AMT : {$4600.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX/XXXX ACCT : XXXX AMT : {$660.00} XXXX  XXXX  XXXX  ACCT : XXXX AMT : {$1600.00} XXXX/XXXX   ACCT : XXXX AMT : {$100.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XX/XX/XXXX XXXX  AUTO FINANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer Services XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX CARD SVC XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
From XX/XX/XXXX thru XX/XX/XXXX my wages where garnished by conserve in XXXX ny for a ny higher education debt. Upon completion of debt i overpaid XXXX dollars as well as XXXX mailed 2 additional checks for XXXX.and XXXX dollars. Totaling {$160.00} owed back to me. Ive called a few times to inquire about how i will recieve my overpaid funds back and also left.messages for information. They refuse to give an answer back. But these funds have reached conserve and they have my money. I want my money back IMMEDIATLY. This company dosent respond.to any communication. But they made money by charging fees. I am also demanding intrest at 9 % since XX/XX/XXXX as i had to pay a decadea worth.of intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: U.S. BANCORP
State: TX

Complaint narrative:
I am studying XXXX and i was using a service called XXXX XXXX XXXX  in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX  boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX  XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.

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 2020-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
it has been 60 days with no response rom the bureau regarding my complaint which is just complete disregard for the laws that govern them. I hope with you help this will not be able to continue

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