vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 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: OK

Complaint narrative:
I disputed collection account that was put on my credit and experian said they investigated and collection account met their guidelines to be put on my credit report in only 1 day. They did not get proof to show I owed this amount and they didnt show or tell me how I owe.

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 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I am working with Mortgage company Ditech. A year ago their website stopped working to make online payments. I tried to pay using different, computers, browser engines and I kept getting the same message " UNABLE TO LOCATE ACCOUNT ) on XX/XX/XXXX I called the company and I got no help their only solution was for me to use a different bank to make online payments, that did not work either in XX/XX/XXXX I continued trying to see if there was any fix on the website and I still had the same problem. I called again and their answer was, It is not on our end is on your end do the payments in any other way. I have been paying late fees {$48.00} because every time I use other methods the payment does not arrive on time. I Called on XX/XX/XXXX and the customer service representative did not offer any solutions other than tell me to email customer service, which I have done in the past and no one ever answer the emails or offer any solutions. I am really frustrated and disappointed with this mortgage company. I am paying late fees because of a mistake on their end. The customer service person XXXX told me that they don't have an IT department, so I question if when I enter my bank account my privacy is being protected, if the can't fix this glitch are the accounts Ditech mortgage owners secure from hackers? Why do they advertise make payments online, when that feature does not work? Is this a scam to make mortgage owners pay late fees? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I signed up for the Capital One secured card 2 years ago, I was promised a returned deposit as well as being upgraded to an unsecured card after the first year. After the first year I contacted the company to ask about both and was told that I could not be upgraded and was given no reason why only that they do monthly reviews. I was also declined my deposit, now that this is my second year with the company and my credit score is very good, I am being told now that the no loner offer the promotion and that they are trying to fix some issue with it and I have still not received my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX I deposited a check last night from my husbands bank to my bank, this bank is holding my check until XX/XX/XXXX, thats 12 days away and they are refusing to release my funds.I put in a check for $ XXXX.Three weeks ago I put the same check in for {$1000.00} and they had no problem realeasing the money then.Its illegal for them to hold money especially when we just got hit with a major storm and we lost all our food.They dont wan na heat anything they just keep telling me they refuse to release it.I will be closing this account ASAP after my money is cleared.This check already released the money from the other account into my account thats why we are so upset.They do this all the time! Horrible customer service.

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 2018-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
It started my freshmen year ( XX/XX/XXXX ) when I first applied for loans. I was told everything I would pay everything after I graduated school. But I was miss guided and didnt select the correct box. So I was forced to pay loans through out college. I questioned it after I was told to pay, and they said there is nothing they can do and it was to late to change the terms of the loan. So there were periods throughout my college career where I choose life before loans. 

Fast forward to XX/XX/XXXX/XX/XX/XXXX- I was rushed into forbearance. I was under the impression that all my loans would go into forebarance with Naviet. Giving me a longer grace period of time after graduation as well. That was not true. I was under the impression all my loans were going to be reconsolidated but they werent, only my federal loans were. I feel it was a ploy to get all of my students loans paid back with Navient. Navient also bought all my loans from Sallie Mae during my college career. Another ploy for me to give navient my money? 

Fast forward to later in XX/XX/XXXX. I was in a bad transition period of not having enough money to pay for my loans and I was fighting to live. I was often times caught between choosing to pay my loans or living ( food, rent, etc. ). My credit was destroyed for about 4 months trying to get caught up. And I was met with nothing but harassing phone calls to pay my bill. They called my co-signer and harassed them as well. I was making some payments that I could but was not good enough. I used my tax return to get caught up. But the damage was done to my credit. I lost about 100 points. This happened roughly XX/XX/XXXX/XX/XX/XXXX and lasted until roughly XX/XX/XXXX/XX/XX/XXXX when I used my tax return to get caught up on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been having issues with Bank of America delaying posting electronic transaction from other institution and also levying overdraft charges to my account while it is still in the positive. 

In that specific instance I had {$350.00} sent to Bank of America on Tuesday XX/XX/XXXX,  which was supposed to be received on Thursday XX/XX/XXXX but yet again was not posted until Friday XX/XX/XXXX. Meanwhile on that Friday I received an email stating that my account is overdrawn. But when I pulled my online transaction history as you may see on the attached screenshot, my account was never in the negative. 

So on Saturday XX/XX/XXXX, I called Bank of America at XXXX XXXX EST, I had to wait 11 minutes to speak to an associate who put me on hold and came back with a scripted response then when asked for his manager XXXX, which I had to hold for 40 minutes to speak with his response ( summary ) it is my responsibility to check that the funds were there. But my question is where is the bank responsibility to post received funds on time? 

Although that I dread about filing this complaint, could the bank please provide adequate response to : Why the online transaction history is not mirroring their claim of insufficient funds? 

Why do the bank have additional processing delay time for electronic funds received from other institutions? 

Why does it take 11 minutes to get to an associate, 57 minutes for the manager to be take the escalated call, and a total of 1 hour and 6 minutes for a simple transaction question call?

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 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On several occasions, Wakefield and Associates has called multiple times, even on the weekend and tried to collect on two different debts that are 9-10 years old ... well beyond the state of Tennessee statute of limitations. They are most likely trying to get the debt brought back from the dead so they can collect. I have tried to stall them off by telling them that I need to verify that this is even my debt because nothing else has worked to get them to stop calling me repeatedly all week long.

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 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Good morning, we're writing to you, with the hopes that you will assist us in our discussions with Webster Bank. 

We purchased the building that my father lives in in XX/XX/XXXX. This building also has restaurant in it and it has only been brought to our attention, after we spoke with Webster Bank last week, that our loan was written as a BUSINESS loan and not a mortgage. 

The instrument of security that was used for this loan is, in fact, my sister 's home. We are behind on our payments and Webster bank has informed us that they intend to pursue the publication and sale process, on our property - the sale date is scheduled for XX/XX/XXXX. 


To make matters worse, in XX/XX/XXXX we had the loan modified and were instructed by the attorney representing Webster Bank that are payments would be {$3300.00}. We made 4 payments at that amount and were contacted by XXXX XXXX and informed that that was not, in fact, our payment. She demanded that the difference be paid in one lump sum and that has brought us to this point. 

There are a number of legal issues, surrounding this loan, as you can see and we would appreciate your assistance in getting this matter resolved and getting back to good faith payment - with an actual mortgage on the property and not a business loan. 

Thank you for your assistance with this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

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 2018-05-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo dealer services is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: Riverwalk Financial Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX. XXXX Texas, is trying to collect money from me that is fraudulent. Opened no new accounts in XX/XX/2018. They say I owe XXXX but I have receive any letters or phone calls from this company telling what this false debt is about. It is currently on my credit rating. Liars. How can they do that with no proof or documentation? Guilty until I prove myself innocent?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: CHS, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One=Quick Silver Credit card. On XX/XX/XXXX someone took {$150.00} from my checking account without my consent. I notified Capital One by phone of the problem and my account being overdrawn and a dispute was filed out. I was told my payment not due till the XX/XX/XXXX. XX/XX/XXXX went to bank and they notified Capital One my account problem and to rerun my personal check they would honor it. XX/XX/XXXX my checking account was refunded the {$150.00}. Credit One charged me {$30.00} for non-sufficient funds as well as a {$25.00} past due fee for XX/XX/XXXX.  In XX/XX/XXXX they charged me another {$35.00} for past due fee ( makes no sense my checks are mailed at the post office on the XX/XX/XXXX of every month when I get my SSI XXXX check ). Payment wasn't posted until the XX/XX/XXXX. Again in XX/XX/XXXX they did the exact same thing waited a day after due date to post my payment. Another {$35.00} fees charged. In XX/XX/XXXX again the same thing. In XX/XX/XXXX I called and spoke to a representative complaining about my bill. She wanted to sign me up for a Specialty Assistance Program. Told her I just wanted my bill current and to stop waiting 1 day past my due date to pay my bill and charging me late fees. What do I owe and I'll send a check in the mail. She said with the NSF and three late fees taken from my bill my balance is {$200.00}. I told her I would send a check XX/XX/XXXX for that amount and mark Paid In Full in Memo. She said make sure I put the last 4 digits of my account number on as well. On XX/XX/XXXX I sent them a letter to terminate my credit card. Amazing that check was ran as an Electronic Check Conversion for the {$200.00}. Get a email from them saying my monthly bill is ready to view. I open it and it says I still owe over {$150.00}. Call my bank XX/XX/XXXX she gives me the transfer code and reference number. They have my cancelled check. Hence, they also receive the paper showing indeed my account did come out to the {$200.00} as per the woman suggested the pay off amount was for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank / XXXX XXXX XXXX store credit account The online account service offered for looking up account information online and making payments does not offer an option for setting up monthly ACH payments that are MORE than just the minimum amount. Many companies appear to leave out this service. 

There website allows for making payments for the 1- minimum monthly payment, 2- payment in full, or 3- " other '' ( amount of your choosing ). However, when you choose the option for an AUTOmatic payment to be deducted, suddenly the option for choosing " other '' or any payment amount of your choosing is not allowed. I feel that that many credit companies do this purposefully so that the borrower can not pay down the debt faster in a convenient way. I have come across many companies doing this and then consumers are forced to make the payments by other means than by using convenient electronic debit services. Since electronic payment services are the norm in these modern times ( and I have been doing electronic banking since 2005 ), it seems inappropriate to lure consumers to the convenience of monthly ACH payments when there is no option for paying your debt faster. 
Why not introduce regulations ( or perhaps you can inform me if regs exist ) such that if an institution makes ACH available, that the option for making more than the minimum payment BY MEANS OF ACH must also be made available. 

I would like to know, do you have a list of which banks currently provide the option for making more than the minimum payment BY MEANS OF ACH automatic debit. I would like to only use these banks, as necessary, for any large credit purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
RE : XXXX I applied on XX/XX/XXXX for a bank of america cash back credit card that I personally received an exclusive offer online after logging into my account. They were extending an offer that included the benefits below along with {$150.00} additional cash back for applying. Currently, I have a bank of america card without any reward or membership benefits attached. 

On XX/XX/XXXX I received a letter from back of america in the mail stating my application was denied due to : Sufficient utilization of your available credit one or more of your deposit accounts with us/or our affiliates were overdrawn limited deposit and/or investment balances with us and/or our affiliates None of the above reasons is applicable to my credit history or banking relations, I do have available credit in my current cards as I don't abuse, never had an overdrawn account there is enough assets in my account and finally I use bank of america as my primary back, with other banks I have a relationship that has sufficient cash flow unrelated to bank of america. 

I have received an letter that does not apply to my current status and feel that bank of america is abusive to their client with giving them offers and withdrawing without truth to their statements.

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 2018-05-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
EXPERIAN, On XX/XX/XXXX I received a notice from Experian that my FICO had changed. I found this puzzling since the only negative items were the same from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My score was XXXX as reported by XXXX XXXX on XX/XX/XXXX. OnXX/XX/XXXX It was noted that my score had dropped to XXXX and dropped by 16 points by Experian. On XX/XX/XXXX it was noted that my score had dropped by 19 points and was XXXX by Experian. It may be noted that it is recommended that I purchase some of their services, fraud and credit reporting. I found this strange and believe that this is extortion to purchase their services. Let me be perfectly clear that nothing has changed to that would impact my score negatively. On XX/XX/XXXX I will face XXXX XXXX XXXX XXXX in court for submitting improper information on my credit report. This will be followed by XXXX XXXX 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 2018-05-19 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: NJ

Complaint narrative:
I've paid off the debt with the collection agency and was given a letter that they have instructed the credit bureaus to remove the account from my credit profile but Transunion continues to report on the account as open and unpaid.

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