vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a 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 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a cash advance of {$100.00} in mid XX/XX/XXXX. It had a promotional rate of 0 %. Between XX/XX/XXXX and XX/XX/XXXX, I made double payments, but, the {$100.00} was not paid off. I inquired about this in XX/XX/XXXX. I was given an explanation about how payments were applied. I was then told that if I pay the minimum payment + the remaining cash advance balance, it would be complete. I asked why that had not already been done with my double payments. I still don't have a good answer. 

I asked that my payments be reallocated to satisfy the balance. The very next month, the line item on my statement showed no balance in the cash advance line. This  confirmed for me that the balance had been resolved. Fast forward 6 months. 

For my statement with a due date of XX/XX/XXXX, an amount has resurfaced in the amount of XXXX in the Direct Deposit and Check Cash Advance line with interest of .81. I have not requested another Check Cash Advance. Upon inquiry about this amount, I was told it was the same one from a year ago. 

I asked why this amount has not been appearing on my statements. I have not been given an answer. This looks like Bank of America tried to hide the amount in an effort to charge me interest without my knowledge. This also looks like Bank of America purposely chose not to pay off this small amount in order to find any and every opportunity to charge me interest. This is fraudulent. 

I keep being given the explanation that I should pay the remaining amount of the cash advance + the minimum payment but it was never applied when I was making more than the minimum payment. This was a small amount that should have been paid off long ago. I am being misled by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I graduated in XX/XX/XXXX and began repayment of my loans. After some challenges, I was no longer able to make the monthly payment. I often communicated my struggles with Navient and kept them up to date on my status. I was informed I was not eligible for a forbearance and even with a lowered monthly plan I could not afford the rate they quoted. In XX/XX/XXXX I inquired with Navient if they reached out to my co-signer to determine if she was able to make the payment. At that time Navient informed me my co-signer was released in XX/XX/XXXX. I why was she released I never applied for a co-signer release and the Navient representative XXXX XXXX told me " We don't have to discuss that with you. '' On XX/XX/XXXX I reviewed the Navient co-signer release application and followed up with Mr. XXXX via email asking him again, why my co-signer was released without my knowledge as the application clearly states " Only you, the borrower, can apply for cosigner release. '' Additionally attached a copy of the co-signer release application from the Navient website and I informed Mr. XXXX " I have NOT EVER completed the attached application, I did not provide any of the required supporting documentation, nor did I meet the specific requirement of " My request will only be considered if I have demonstrated a satisfactory history of making 12 consecutive, scheduled principal and interest payments immediately preceding my cosigner release application submission and in accordance with the requirements of my loan ( s ) '' that is listed on the application. '' Additionally, I asked Mr. XXXX, where can I find a copy of this completed co-signer release application form that was submitted to have my co-signer released? Why was it authorized without me, the borrower 's request, my knowledge of it occurring, and without me meeting all the requirements of eligibility for the co-signer to be released? 

Mr. XXXX never provided me with a response to my questions. I followed up with him again on XX/XX/XXXX and he still refuses to acknowledge or respond to any questions regarding the release of my co-singer without me being the borrowers request or me meeting the eligibility for my co-signer to be released. There are no documents uploaded on my Navient account regarding the release of my co-signer and I was never sent any information in the mail regarding the release of my co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
I pay my Mortgage by direct debit monthly. My last payment came out on XXXX XX/XX/2018. I noticed as of XXXX XX/XX/2018 my payment has not been withdrawn as usual so I called XXXX XXXX XXXX to provide me an explanation. The informed me my mortgage has been sold to XXXX XXXX. I was not informed of this action at all. I was told a letter was sent out but i never received such a letter. I would like New Day to give me an explanation in writing on why i wasnt informed that my mortgage lender had changed. I would also like information on my new Lender to provide them the new direct debit info. I attempted to call them but all they wanted to do was quote me a bunch of legal mumbo jumbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking and savings account with CITI in XXXX and was supposed to have received a {$400.00} promotion bonus for leaving the funds there. I called the bank previously and they told me it would be deposited by XX/XX/XXXX. It wasn't. I sent a secure message and they have not responded in over 5 days. I called them again and they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
National Credit Systems, amount of {$7100.00}. 

I have sent National Credit Systems several debt validation letter requesting that they answer my validation letter as the collection is not mine and a fraud. And National Credit Systems has not responded. 

National Credit Systems then reported this collection to my XXXX credit reporting agency, I have provided National Credit Systems and XXXX  copy of my Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a 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 2018-10-18 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: IL

Complaint narrative:
I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to severalinquries that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have inquries that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, That they will be removed. These inquries does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following inquries that are reporting are : XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 and XXXX XXXX/XXXX XX/XX/2018. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted these items. How can they all be using the same information but some bureaus are correcting items & the other is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank has a due date on their card, i made the payment online directly with them. 
I was charged a late fee anyway. I called to contest the fee, I was told because I have had late fees before they can't waive the late fee even though I paid on time. The logic is because you have had problems paying before, when you did pay online on the due date they say that the time of the payment was after XXXX central time. Looking over several months, I see that unbeknowst to me I have been charged late fees anyway. Even when paying on the due date. This cant be correct. No other credit card companies charge the customer late fee for paying on the due date but after some arbitary time. I would like the fee waived. When I requested to speak to someone else, other than the customer service representative, I was cut off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL

Complaint narrative:
Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018.  I have also requested for my payment to be lowered. But i haven't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? 
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft. 

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. 

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? 
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

While on the phone with this company a representative even stated that I have no contract with Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
I was lead to believe that by paying this debt that the negative remark would be removed from my credit report. I think that it is unfair that my debt has been paid only to still have it affecting me on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours. 

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a 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 2018-10-18 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: AZ

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a 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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
I'm trying to get the flowing removed off my credit report. I called Collection Bureau Services and asked them if I had a balance on XX/XX/XXXX and they stated no that all accounts were paid in full. I asked why they were still on my credit report and they stated they are reported with a XXXX balance. I asked why there were not closed and she stated they are reported with a XXXX balance again. 

Can you please remove from my experian report the following since there is not a balance and they obviously have not closed it and think that because it has a XXXX balance that it shouldn't matter. 

COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours.

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Abrahamsen Ratchford, P.C
State: ME

Complaint narrative:
Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling XXXX.

Company response to consumer: Closed with explanation