vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting an account for XXXX XXXX that is over 7 years old in violation of the Fair Credit Reporting Act. The account was discharged in chapter XXXX bankruptcy XXXX 2003.

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 2016-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: DC

Complaint narrative:
ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Attached is email communication from XXXX XXXX LoanMart rep ( XXXX XXXX ) threatening me with a repossession order for a payment that was mailed XXXX/XXXX/17. 

First, and foremost I 'm not fresh off a XXXX, am still a customer, and a LEGAL tax paying law abiding citizen who happens to also be a consumer. I will/am NOT going to be communicated with in a threatening demeaning degrading manor by ANY institution, or XXXX representative who is, or has probable ties as a friend, or family member to illegal immigrants in this country, over a {$260.00} monthly loan payment being sent in later than the payment date!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase is showing XXXX accounts on my credit report without sufficient information. I have requested them to fully validate my accounts XXXX times ( with certified mailing receipts ), but they have failed to do so. I have also been in contact with the XXXX credit bureaus in order to get these accounts removed, with no such success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Transunion multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : XXXX was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also XXXX others that are more recent but are not mine. I have also contacted the courts to see if they provided Transunion with this inaccurate information and they stated " No. '' Please see attachments. I need your assistance in getting this matter resolved and removed from my credit file.

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 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I encounter fraudulent activity on my account ending in XXXX. Now they are threatening to close my account on XX/XX/2016. But I ca n't make a deposit nor do I have a bank card, and I do n't want to put money into an account they have n't fix yet. if its fraud, I would like for them to post my credits. 
My current balance is $ -XXXX with US BANK

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 2017-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage was owned by XXXX XXXX in XXXX. The loan was sold and then returned to XXXX. XXXX sold the loan again. This time to an alleged company called XXXX XXXX XXXX XXXX. XXXX never contacted me. I was contacted by a " servicer '' company called Select Portfolio Servicing. From the onset, I was charged late fees and other fees not disclosed at closing. Ive never been late with a payment. Everytime I ask SPS about XXXX, Im told the same statement. XXXX owns the mortgage, SPS is the servicer. I demanded to see a copy of the note, and to have XXXX provide authorization for SPS to communicate about the loan. SPS replied with the same statement, which leads one to believe that XXXX does n't exist. A search found XXXX to be nothing more than a XXXX corporation using a bank address in Delaware. I wrote to XXXX at that address asking for documentation proving they own my mortagage and authorization for SPS to discuss this loan. SPS sends me a letter that they received my letter and will respond. I did n't write to SPS. I get a pamphlet from XXXX XXXX. It describes what a trust is and the servicer makes the decision to foreclose. This all leads to what the heck is happening with my mortgage? You cant get a straight answer out of anyone. SPS raised my mortgage payments to an amount I can not afford. My ARM went down as it has many times, but SPS raised the monthly payments. This is a common complaint made by others whose loan has been sold and is serviced by SPS. I fear Im about to lose my home because SPS continues to say Im in default even though Im never late. Ive disputed the increase in payments and all of the fees they charged which that say is for my benefit. The internet is filled with people who have lost their homes with SPS as the servicer. XXXX does n't look like a viable solution due to complaints made by others who tried only to lose their homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.

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 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have always paid my mortgage online and in XXXX 2016, I inadvertently scheduled the payment on the incorrect day. When I realized the problem, I scheduled the correct payment date. 
The following month, I was unable to schedule an online payment, so I simply paid at the local Bank of America branch. I made my mortgage payments at a branch in XXXX and XXXX. 
I received a telephone call from Bank of America in XXXX, alerting me that I have not made the past two payments. I explained that I have the receipts for both payments and that I have the cancelled checks that they were paid by my bank. 
I was informed that I can only use certified payment through XXXX XXXX or XXXX XXXX. After attempting to make a payment through XXXX XXXX, I was unable to do so because the account information provided was invalid. I have no problem making my normal payments, but getting certified funds every month is logistically impossible due to my work schedule and taking care of my elderly parents, as my father has XXXX. 
I would like to return to making online payments.

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 2017-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have over {$39000.00} in debt with Navient, formerly XXXX. I have been making on time payments for four years. Often, these payments have been well over the amount due. I pay {$450.00} every single month to them, and another {$150.00} on my federal student loans. I am a XXXX who makes {$XXXX} a year and barely get by. All I want is for them to reduce my interest rate. My current interest rate with them is 10.25 %. It has actually gone up as I 've made these on time payments, almost like I 'm getting penalized for being a responsible consumer. I 'd like an interest rate around 4 %. I 'd like my monthly payment to be less each month. When I called to discuss this with them, they offered me nothing. No relief. No reduction in my interest rate or payment. No acknowledgment of my on time payments, or overpayments. I feel as though they are price gouging me. They are predatory lenders, and not responsible members of the financial community. Something must change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
recieved my bill for payment due XXXX/XXXX/2017 again now where does it state how many days in this billing cycle. 
so how many days in this billing cycle? 
states " accrued interest '' {$86.00} how much of my payment of {$420.00} actually goes to interest and how much goes to principal? 
do i owe any late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit. 
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}. 
3. In XX/XX/XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost XXXX {$20.00} XXXX to pick up the card at FedEx facility. 
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XX/XX/XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request. 
5. {$280.00} dispute on XXXX transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant. 
6. Another dispute was XX/XX/XXXX {$140.00} XXXX merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, XXXX. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however XXXX business days passed you never put {$140.00} back to my account. 
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX The exchange rate was {$1.00} to XXXX CYN, however I was only given {$1.00} to XXXX CYN. 
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX 
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX, and XX/XX/XXXX. I need my {$9.00} back since I never received the payment.

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