vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!

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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
They have failed to give me a chance to dispute the debt nor have they provided validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at home.

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 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an account opened in the year   XXXX   by an unknown person. This is fraud and was opened by someone who applied for this credit and maintained the balance while using the account. I have attached a letter directly from the legal department of the company to confirm that they said they checked the signatures on the account compared to my driver license and they do not match. Therefore confirming that this was fraud. I am requesting removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   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 monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I question Navient 's ability to handle payments. I made a one time {$500.00} payment on  XXXX   XXXX    XXXX   via my account website on Navient, and the payment was lost. When I spoke with Navient agent, although they were nice, the stated that the payment was lost, or not connected to my account for some reason, and they would work on fixing it for 16 days. I asked how this would be avoided in the future, and the agent was unable to answer the question. I paid online via my account page! How on earth could the payment have been disconnected from my account? I am so frustrated, and I do not feel that Navient takes ownership of this issue, despite the fact that I am a customer paying THOUSANDS to this company in interest. Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Received a cash back rewards offer fro m US Ba nk. Open a    XXXX   XXXX   XXXX   XXXX     account, spend {$4500.00} in 150 days and receive a {$500.00} credit. I applied for the cards, received and activated i t XX/XX/XXXX . The y also solicited me to get additional cards so I directed them to sen d one for my  wife which arrived several weeks later. The structure of their billing is I have  XXXX  account number, receive d one monthly b ill and that bill contained detail for the  XXXX  cards received ; each card had a separate number which was different from the master account number. My first  five statements, which would cover the promotional period, showed a total of {$5000.00} spent.    When I inquired as to my credit I was told I did not qualify because the billing was on  XXXX  cards and a   XXXX   card needed to have {$4500.00} in billing (  XXXX  card had approx {$4100. 00} ).   <P/> Reviewing the offer, under a " ** '' small print section at the bottom it says : " {$500.00} cash back will be credited to your Account if you are approved ... .. and after eligible net purchases totaling {$4500.00} or more are made to your Account within the first 150 days of Account opening. '' At the very bottom of the paragraph it adds " Spend on multiple car ds may not b e combined to meet the requirement '' which is their basis on denying my credit.  <P/> I feel this last line is both not clearly obvious to the consumer and subject to interpretation. It does n't say multiple cards on  XXXX  account ; could be referring to multiple accounts for example where the first section clearly states the reward is based on spending on the Account.  One b ill,  XXXX  Account, and clearly more than the required amount was spent.   I 've spoken to their Customer service dept twice, the last time  on XX/XX/XXXX   with a Supervisor named  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 2017-06-08 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : 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 2017-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I filed bk a year ago and have been able to see my accounts online for chase the entire time and in  XXXX  f last year my attorney faxed in a letter to them saying I could get statements and year end tax items as well and until yesterday I was not able to see my account online for some reason. I called chase they told me due to the new conversion on their system is why I cant see them now and I am not able to pay on line anymore as I have been doing every month from my chase account. they say my bk is not  discharged  when It is they acknowledge they have the discharge but now want a " termination letter '' from the court which takes years to get done. all I want to do is pay my account like I have been doing since  XXXX , on time and in full each month never late. they told me to mail in my payments, this is not secure and I have no way to know they got there or are being applied because I cant see it online like I normal do from my account. no one wants to help me and this lady I spoke to on  XXXX / XXXX / XXXX  named  XXXX   XXXX  who was a manager was the most condescending person I have ever spoken to, I am being discriminated against because I was forced into a bk. they keep loosing letters my attorney send them saying I can get statements or they can speak to me and it cost me money every time it has to be resent to them they are unprofessional and unkind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has failed to comply by not completing investigation within a 30 day period of time as per the law for multiple requests

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 2017-06-08 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: Continental Finance Company, LLC
State: NM

Complaint narrative:
It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : 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 2017-06-08 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: NM

Complaint narrative:
It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract

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 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: DE

Complaint narrative:
Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment.  <P/> I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices.  <P/> On  XXXX   XXXX   2017  I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment.  <P/> On  XXXX   XXXX   2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices.  <P/> On  XXXX   XXXX , I contacted the original creditor who sent the debt to the collector (   XXXX   XXXX   ). They stated that I would receive a return call, but I never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts were taken off my transunion credit report and now I see they have been reinserted without validated. Transunion has not verified these accounts nor have they responded to my request for method of verification form that I sent for transunion to fill out.  XXXX   XXXX  debt and   XXXX   XXXX   XXXX   have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from t hese accounts that are not mine.   XXXX   XXXX   is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers in formation. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against transunion. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

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