vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: MN

Complaint narrative:
Navient runs circles around you and makes it impossible to payoff your loans. I am trying to allocate my payments to my loan with the higher interest rate, as well as pay more to work toward paying those off first. 

I have been on the phone for 1 hour and no one can explain to me how to do this. 

IE if I pay more now, it will be received as an overpayment and push back my next payment cycle. 

It is mind-blowing that I can not pay more to pay off these loans. They obviously just want me to keep paying off interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX {, Experian this alleged account is over 7 1/2 years old OVER THE STATUE OF  LIMITATION YOU REFUSE TO REMOVE THIS ACCOUNT STATING PAYMENT WAS MADE IN XX/XX/2015WHEN YOUR OWN OMISSION ON YOUR CREDIT REPORT SHOWS NO PAYMENT in XX/XX/2015 you are commenting fraud and violating my rights respond to the dispute and remove at once I can and will send all documents to congress for an investigation of your credit reporting my congressman was interested in this case when I talk to him, TEN DAYS NO MORE <XXXX you have made false reports on this dispute show were any payments was made to restart the statue of limitation actual documents of be perpared for legal case to be brought forword against you also TEN DAYS, the CFPB is being used as wittness to this case for legal case if need be

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 2019-03-15 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: First Data Corporation
State: TX

Complaint narrative:
I have a debt showing up on my report from XXXX XXXX XXXX XXXX XXXX dated on XX/XX/XXXX for the amount of XXXX. This is money not owed by me. I was the beneficiary on the account but never on the account for writing or cashing checks. Ive sent a letter in the past to TeleCheck about this from the Credit Union stating I was never on the account, but they investigated it and said it was correct. I need this off my report. Its been 7 years since this was reported also. This money is owed by XXXX ( XXXX ) XXXX. 
There is also an amount showing for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX  and again I was never on the account only XXXX ( XXXX ) XXXX. I also sent this matter in and was told it was correct. 
Ive talked with both financial institutions and this information and they both stated I was never on the accounts. 
I would like both of these matters to be investigated once again to remove these negative reports on myself.

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 2019-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.

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 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our house had smoke damage to the dwelling and fire damage to landscaping and fence related to the XXXX fire on XX/XX/2018. My insurance company made checks for XXXX payable to myself and OCWEN for the repairs. OCWEN has been holding on to the funds and has very intentionally slow walking the process of getting funds so we can make repairs and refund for the repairs we already made. My wife has XXXX and she is being physically harm by their systematic intentional delays as she has to choose to live in our house or incur extra cost for alternative living location. 

We have already drain our life saving to make the repairs we have already made. I have had to pause the repair while we wait for OCWEN to release my fund that they are holding. 

We had an inspection on XX/XX/XXXX for the property hire by OCWEN. the inspector says we are easy more than 50 % done with the repairs. The OCWEN rep says they are having known system issue in obtaining the inspections report. In the mean time we are greatly suffering from the intentional delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: NJ

Complaint narrative:
I wasn't in school at this time In XXXX and I just noticed that I never Borrowed XXXX for XXXX University to me this looks like fraud I just noticed this now. 

Total Borrowed : {$27000.00} Outstanding Principal as of XX/XX/XXXX : {$34000.00} Outstanding Interest as of XX/XX/XXXX : {$1800.00} Interest Rate : 7.00 % Cumulative Payment Amount : {$390.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : XX/XX/XXXX Loan Period Begin Date : Loan Period End Date : School : SCHOOL CODE FOR CONSOLIDATION LOANS Enrollment Status : GRADUATED as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1.00} XX/XX/XXXX {$27000.00} Loan Status Status Effective Date IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX Also devry is charging me for 2 classes that I withdrew from.Devry couldn't get it correct the first time with the paperwork of when I changed my major and they still had me in two classes of. 
ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/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 2019-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX  bill of {$61.00} was paid XX/XX/2016 and they never reported paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I refinanced my mortgage. The account that I had with XXXX XXXX XXXX was paid in full by XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX multiple time requesting them to update the account as paid. They stated that the person in that arena was no longer with company. I asked to speak to the the replacement. The replacement, Mrs. XXXX, informed me that the company reported quarterly and that it would be reported by XX/XX/XXXX.

In XX/XX/XXXX, I contacted XXXX XXXX again and they transferred me back and forth to different people and neither of them knew anything. Everyone reminded me that XXXX ( the person that reports ) is no longer with them. They suggested I file a complaint with the credit bureau to get them to do their job.

We are now in XX/XX/XXXX and I have two mortgages on my credit report because this company failed to report a payoff. I spoke with XXXX, the guy in charged over the company and he states that I had to send a request to the credit bureau in order for them to report a payoff. I told him " if i were late paying you would have reported it ''. He responded ... contact the credit bureau and request that we submit the payoff. If this was the case, why wasn't I informed to this back in XX/XX/XXXX. XXXX XXXX XXXX sent me a document showing my account was paid off and the balance was XXXX. Every other financial institution report debt, why is this company exempt?

My mortgage has been with XXXX XXXX XXXX since XX/XX/XXXX. It's going on a year that this company has not held their end of the bargain as a financial institution. I'm having to pay because XXXX XXXX did hire a replacement to fit this job description and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CO

Complaint narrative:
I attempted to correct my name and address with Transunion in XX/XX/2019. I sent in a copy of my divorce decree, my new drivers license with my new name and address, a copy of my new social security card, and a pay stub verifying my new employment and name. It was received and signed for. I have opened two new accounts ( which are reflected on my credit report ) with my new name and address. I have updated my name and address with my banks. I filed a dispute online with Transunion to update my name and address. They investigated and closed the dispute without changing my name or address. 
When I called Transunion and spoke with a supervisor, I was told that they couldn't update my information on the new accounts, but that I had to contact all of my old creditors on accounts that have been closed for years. They refused to use my new accounts as proof, and won't even add my new name and address on to the list of " other names used ''.

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 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/2019 - I purchased a car from XXXX XXXX XXXX NC. 
Even though I did not want to take the car loan as their rates were high, I was forced by the dealer to take the car loan. The dealer refused to provide me with the purchase contract to enable my credit union to issue the check for the loan amount. 
I was misled by the dealer that we could directly pay the loan within 30 days without prepayment penalty or interest. 
The dealer issued the loan through PNC Bank. 

XX/XX/2019 - After receiving the loan document, I went to the PNC Bank to payoff the loan. Instead of the loan amount of {$23000.00}, I had to pay {$24000.00}. The remainder being interest or fees. 

I would have to wait for 3 weeks to get the title. 

I believe PNC Bank incentivizes car dealers to indulge in this sort of high-pressure sales tactics instead of acting in the best interest of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
A check payment was recently mailed to synchrony bank/care credit in the amount of XXXX dollars. my personal bank XXXX XXXX  account records show that synchrony bank received and processed the check and the amount was never applied to my account with synchrony bank. I have also received excessive and inaccurate fees and overcharges and my account is now delinquent for the mishandling of my payments and all efforts to resolve this matter with synchrony bank have been completely unprofessional and futile. Actions have now been taken to forcefully retrieve the funds in amount of XXXX dollars by my personal bank XXXX XXXX through affidavit process

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 2019-03-15 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for an Amex Business Gold Rewards card on XX/XX/18. I was approved later that same day. 

The application was advertised with a sign-up bonus offer of XXXX points for spending {$5000.00} within 3 months. 

I received the card, activated it and spent over {$5000.00} within the aforementioned period. I reached out to Amex today as I had not received the sign-up bonus, and told the bonus was denied. 

I note the following : 1. I have never held this card product before, 2. I  met the minimum spend as per the advertised offer, 3. I did not receive a " pop-up '' upon application indicating to me that the sign-up bonus offer was being denied, 4. At no point did Amex proactively tell me that they were denying the sign-up bonus. 

Based on this information, I made the minimum spend requirement and expected the sign-up bonus. Only upon inquiring why the sign-up bonus had not yet posted, was I told that it was being denied. 

I consider this a bait & switch action on Amex 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX  who was affected by a shut down. Although this has happened my husband and I made plans to catch up with our mortgage payments by paying two payments each month. We called Nations Star Mortgage d/b/a Mr. Cooper who agreed to this over the phone and by sending up follow up mailings to this fact. The payment arrangement also shows up on their website when we log in. However, we have been harassed by collectors calling us as soon as a payment was debited from our account. We also have gotten text messages and automatic dialers as late as XXXX. This is at least our 10th time contacting CFPB concerning Nations Star about similar miscommunications, who coincidently, changed there name recently to Mr. Cooper. The times that I have answered a call from them, I ask them why were they calling me and I was told because we have not received a payment. This is the point where I lose it but I have already seen my bank account debit {$2200.00} payment to months in a row. They tell me they do not see this ... .At a time like this, when our income is at risk, but the company is receiving payment I find this to be harassment. We have contacted an attorney 's firm with this information because this company will only respond to this compliant once and say they did not wrong. They will send me pounds of payment history afterwards just to tell us what we already know, that they have received the payment. There are numerous violations we have suffered at the hands of this collection firm concerning our mortgage. As a federal employee, we have not received a lump-sum payment, but we have received funds to pay our creditors and now that paychecks have resumed, its time to re-pay advance loans that were given. I should not need to keep watching Mr. Cooper every mood when my income comes from the government. As a result, I will contact my government POC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : Hurricane Irma hit Florida in XX/XX/XXXX, and Capital One was offering Hurricane Relief to its customers following the hurricane. I lived in Florida, and contacted Capital One to confirm. Capital One told that as long as I made a minimal payment ( less than the actual 'minimum payment due ' ) on my credit card each month, they would waive late fees.

I pulled my credit report recently, and Capital One reported that I made late payments on my account during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX.

I did make payments on my account each month, which is documented on the attached statements. These payments were less than the 'minimum amount due ' in accordance with the Hurricane Relief they were offering.

Capital One reported incorrect information to the credit reporting agencies, which has now affected my credit score and caused me harm.

If Capital One offered to waive late fees and accepted lower payments during their Hurricane Relief, they should not have reported incorrect and negative information to the credit reporting agencies.

I have been a loyal customer to Capital One, and always made my other payments in full and on time.

V/r, XXXX XXXX XXXX, Esquire

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
debt reporting is larger than the original debt amount I have made numerous attempts to contact Bank of America via telephone being on hold over 10 occasions for over 30 minutes representative never answered USPS mail. Not one single representative has contacted me in reference to the debt. 

Bank of America holds the debt but will/has not communicated with me to allow me to resolve the issue. this negative debt remains on my report without opportunity to rectify

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 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Filed a claim with companies Loss Drafts Department. After 18 month we did not receive payment. 

XX/XX/XXXX Faxed requested paperwork to company ( copy of endorsed check, copy of invoice, letter requesting payment ) Company advised us to check back in 24 to 48 hours to see if claim is processed. XX/XX/XXXX Called to follow up, company informed us there was a mistake in our paperwork and it needed to be corrected. Company never bothered to inform us there was a mistake and just sat on the paperwork for days. Spoke with a supervisor who told us we would have a check " in our hands in 2 days ''.

We corrected the mistake. Tried to upload papers to company. It would not upload.Faxed the corrected paperwork to the company. Also overnighted paperwork to company.

XX/XX/XXXX Did not receive a check. Called company, was told it would take 6 business days ( from XX/XX/XXXX ) and we would have our check.

XX/XX/XXXX Still no check. Called company was told it was sent regular mail and would take 6 to 10 business days. Then they mentioned the amount of the check which was not the amount we were owed.

XX/XX/XXXX  Still no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was scammed out of {$4800.00}. There are people pretending to be employers. They are on indeed imposing people who are not aware of scams. There were plenty of times my bank could have informed me, but instead they decided to send me out a letter dated the time and date the transaction went through. They say in the letter we are holding your check due possibly no payment. That letter would have not gotten to me until the XXXX, which to me is no safety For what happened. Also, I reached out to XXXX where I sent the orders through, to cancel the shipment & return to sender. I advised of the scam to both XXXX & my bank. XXXX still released the package to the imposed scammer. Some people are not aware of scams. Especially if youve never been scammed before. My bank keeps telling me that I authorize the transaction even though I didnt. Had my bank told me that the check was fraudulent right then and there, would have prevented this whole altercation. There are many people who are getting scammed and it seems like there is no way of recovery. I have proof for every thing that has happened. And just want to resolve this to the best way possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus.

90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX Service Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX service placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.

Company response to consumer: Closed with explanation