vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I would like to report American Express for charging excessive fees on my account. 

I was enrolled in XXXX and charged a {$14.00} monthly fee. In XX/XX/2018 I missed a payment while traveling for work and American Express charged me a {$38.00} late fee ( more than double the balance on the credit card ). I continued traveling for work and missed additional monthly payments. 

This continued until XX/XX/2018 upon which I called American Express to cancel my credit card. During the call American Express didn't share with me that I would continue to be charged even after canceling the card. So XXXX continued to charge me $ XXXX/ month and I thought I had canceled the card so didn't think to look for the bill. So Amex continued charging me late fees. In total I was charged {$260.00} on {$100.00} over 7 months. 

It seems unfair that Amex would charge me more than my balance and knowingly keep charging me without explaining how to stop the cycle. Clearly not looking out for the consumer. 

This has since affected my credit score and likely my ability to get a good rate on a mortgage. 

I attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
My last term at XXXX XXXX University XXXX, I was enrolled in two classes without my consent. I did not register for classes purposely due to a family emergency that took me out of town. Someone at XXXX took it upon themselves to register me for two classes costing a total of {$3500.00} ... account XXXX. Since I didn't register for the classes, I am not paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Resurgent Capital Services is engaging in said violations of latter federal statutes. Resurgent Capital Services did not provide within 30 days of their notice of alleged debts which apparently goes back several years, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I already have a case pending on two separate payments and now it happened a third time. I am making extra principle reduction payments, in addition to my regular monthly payment with Wells Fargo. The three payments were made at 3 times at 2 different banks with 3 different tellers. Each time, I state to the teller what I am doing, they verify it out loud and hand me back the receipt saying here is your receipt for your principle reduction only. I am sure the tellers are processing them as they were trained. So either they are being trained incorrectly or Wells Fargo has their coding/process set up wrong. These payments are being used as my next monthly payment. I do not want these payments to count as a monthly payment and have interest and escrow and insurance taken out and the due date moved one or two months in the future. But that is what they keep doing. I am paying extra to the principle only to pay this off early and not have to pay all this extra interest. I spoke to a man who worked in the home mortgage department for a very long time and explained it about 5 times to get him to understand. He said he would open a ticket to have this fixed and to call these payments in because the tellers don't know how to do this. I don't believe this. And with all the scams that Wells Fargo has pulled with the public, I am concerned that this may be another one. Intentional or not, it needs to be fixed. If I say I want this applied to my principle, it should go to the principle and me not have to call every month, have tickets opened and contact federal agencies for resolution. I do not understand how they are " still working on it '' for a month. What in the world is going on????

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 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX CU partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past 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 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. 
They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial sent an amount due to the credit bureaus for my final settlement invoice related to my lease turn in without ever informing me of the amount due, when it was due, and providing a reason as to why they reported it. Further, when talking to the GM Financial customer support, they keep saying that the final invoice will come in 90 days after lease turn-in, but then it would make no sense for them to report anything to the credit bureaus about financial information on the account since nothing is due. I'm concerned that they will deem the amount overdue and then it will hurt my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Men of XXXX XXXX and XXXX countries collected my money as an attempt to claim a winning fund from XXXX XXXX ( XXXX ). The money collected requested me to send charge fees of issuing change of ownership and authorization certificates. It happened occasionally in XX/XX/XXXX. I told them to return back my little earnings but they ran away until now. I reported it to the headquarters of Western Union through calling on XX/XX/XXXX but nothing had been to remove my pains I had suffered up til now. The amount collected all together with charge services was $ XXXX. Please, I need your assistance. I wrote a letter to the western union of XXXX to work on it but nothing has been done. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I contacted my loan servicer, Navient, regarding the Deferment for Active XXXX  Treatment Act ( as signed into law Sept 2018 ). I was diagnosed with XXXX XXXX in XX/XX/2018, and only recently learned of this provision which allows borrowers currently receiving XXXX treatment to have their student loans placed in deferment. I contacted Navient on XX/XX/XXXX to discuss this option. I was told initially that no such program existed, but after insisting, was then told that Navient has no application in place for this " since it is so new '' and therefore I can not qualify at this time. After further insisting, I was told that they could place my loan into temporary forbearance until such time as the " federal government '' makes an application available. If I understand correctly, while my loan payments are now suspended, Navient is continuing to charge interest on my loans ( while under the deferment this would not be the case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my dispute back in XXXX. The rep ( XXXX ) that I had spoken with stated that Experian does not investigate disputes, they just will submit info back to the US Bankruptcy Court in this case, to verity the account. I've stated to this rep that I have already disputed the verification and they have just came back with the account was verified. I explained my last dispute was asking what their Method of Verification is per FCRA Section 611, 6, A & B. As a Consumer, I have the right to request this and as well to receive this information per the Federal Credit Reporting Act as stated above. The rep has still declined to give me the information on their Method of Verification but I explained in detail what this is referring back to Section 611, ( B ), ( iii ). I had also referred back to my dispute letter that I had sent to them back on XX/XX/19. 
I had explained that I have the right to know their method of verification and stated that Experian is just going in circles around this. I am uploading a copy of Experian 's response letter that is clearly just questioning me and asking me to write them listing the items included in the bankruptcy or send them a schedule of this. This again is not the proper answer to what I'm disputing and now this rep has put in yet another dispute which is the same dispute I had mailed them back on. Per the FCRA, this credit agency is past due time in providing me information to my dispute and should remove this item from my credit report as they did not furnish the information to me. 
This is also to be added to this complaint. After questioning this rep several times on the same questions, the answers changed several times. In the last reply when I asked who they spoke with on this account and who verified it, she stated they spoke with the US Bankruptcy Court this time. I stated that I personally spoke with the US Bankruptcy Court of XXXX myself and they told me they do not furnish the credit agencies with information or verification. 

This Credit Reporting Agency ( Experian ) is in violation of this Act. They have not conducted a thorough investigation and did not supply me with the Furnishers information. There response letter again will be attached to show this information is not attached within as required by FCRA. I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was payed a two thousand dollar check, which I submitted to my Chase bank checking account on XX/XX/2019. The payment of two thousand dollars was paid from an existing account also belonging to Chase bank. Chase did not recognize their own account, and decided it wasnt safe to transfer from even though it was from their own establishment. Resulting in a withholding of funds. I understand this is done often as a safety measure to make sure checks dont bounce, but as a rule an established check, or a check paid from the same institution should not be withheld. I called Chase bank on XX/XX/2019 to complain, but they refused to acknowledge their own account as safe to draw from, and did not withdraw the hold. I have been with Chase for many years, and they have a repetitive history of placing holds on checks that are safe to draw from, including checks from the federal government Ive received from taxes, which are an established trusted accounts. When these accounts are being held so often when its not deemed necessary, I believe Chase is taking advantage my deposits at my own expense, and this abuse of power in fact should be illegal and be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NC

Complaint narrative:
hello I have a XXXX XXXX loan that I have been paying since XX/XX/2008, it was a XXXX twelve year loan. I have been making my minimum payment and I still owe XXXX after ten years. I have spoken to XXXX XXXX manager his name is XXXX ( XXXX ) and he tells me there is no way for me to pay on principal only above and beyond my monthly payments. I have paid extra on my loan multiple times and it all seems to go to interest and fees and isn't applied to principal. I need help if I am ever going to get out of debt. I thought it was illegal for a company not to allow me to pay on principal as long as I was making my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Today XX/XX/2019 I received an email that my dispute process was complete and was provided a link to access the results. 

Equifax 's procedures to access the dispute result are so onerous and faulty that it constitutes a refusal on Equifax part to provide information to me as required by law. 

Further, if one attempts to use the Help Chat feature, it is on during business hours until one submits a request ; then suddenly, it is off. 

I repeated the requested steps three times at least to access my information without success and Equifax refuses to provide a call number to help. 

Equifax is denying me reasonable access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We bought this Fridge on XX/XX/XXXX and it immediately started having issues with the ice maker. XXXX XXXX techs came out several times to service and this week XX/XX/XXXX the fridge suddenly stop cooling. Another tech came out and confirm fridge is faulty. We then proceed to request a replacement which turn out to be a nightmare as XXXX customer service is awful and unwilling to replace fridge under warranty. After several calls and pleading with them they agreed. However, we have gotten the bad end of the stick because our model and size is now {$400.00} more and our 10 year warranty ( {$310.00} ) is now void. The rules are not meant to help consumers instead they only benefits XXXX XXXX. We are now left without a fridge for 4 days and counting ... this sucks!!

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 2019-04-10 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: MN

Complaint narrative:
The XXXX XXXX XXXXt is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Dismissed bankruptcy in XXXX that included an account with NMAC for a XXXX XXXX XXXX. Contacted NISSAN to try to negotiate to keep the vehicle around the time of the dismissal but wasn't successful and agreed to surrender the vehicle to my local Nissan dealership. Was told they would contact me once they had possession of the vehicle. After a few weeks, didn't hear from them, reached back out and was told they didn't know the vehicle had been surrendered and once they have possession, they would reach out with balances, redemption amount, etc. As of XX/XX/XXXX - nothing and I assume the vehicle has been sold now as I have an entry on my credit report for {$15000.00} owed to NMAC. This is really hurting my ability to obtain anything. According to Alabama Law, I was to receive an opportunity to redeem the vehicle and/or a post-surrender notice, none of which I have received. I have contacted NMAC via a demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: CA

Complaint narrative:
I have told Loanme to stop communicating with me and they know I am represented by an attorney yet they continue to communicate directly with me. Once again I want this harassment to stop! They refuse to resolve/settle the matter and continue with sheer disregard for the California Fair Debt Collections Practices Act. No exception exists that they may contact me when I've asked them not to and when they know that I am represented by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America holds our second mortgage. IN XXXX we paid off the first mortgage with them and most of the second mortgage. 
The remaining was XXXX dollars. The monthly payment on this had been XXXX dollars a month since XXXX of XXXX. When we were notified and attempted to pay the monthly payment we where told we had to pay XXXX dollars and the teller refused to take the XXXX dollar payment. So we went online and it would only take the XXXX dollar payment also. After months of negotiating and trying to get this resolved has failed. All efforts to resolve this has failed. Resulting in accumulating interest and penalties and our credit being destroyed thru the process. 

The original loan was only XXXX. Bank of America stated the payoff XXXX which was not correct. The loan had never exceeded the original amount of XXXX. 

The complaint is that the bank made an error. Would like this to be corrected

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 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The XXXX Child Support is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.

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