vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. 

I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. 

On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. 

On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. 

On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. 

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. 

On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. 

To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: IL

Complaint narrative:
To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. 
On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX  gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. 
I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. 

Sincerely, Mr. XXXX 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 explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
received email regarding nob-existing debt.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove any and all fruad alerts on my credit report, I did not ask/ request one at any time

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 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I applied at the XXXX in XXXX GA before I found out I needed XXXX XXXX. I was accepted as a tenant but never moved in seeing I was also accepted as a XXXX XXXX for them but could not move nor take the job since I XXXX XXXX XXXX ( XXXX ). I had XXXX and needed to stay where I was. XXXX XXXX at the time was the manager who told me not to worry that everything would be taken care of. I never moved in. I took his word. Come to find out another company took over the XXXX and all of a sudden I was charged a {$5000.00} debt for an apartment I never moved into. When I called the XXXX  they told me that they had no proof of me living there or my paperwork since they were bought out. I attempted to contact their corporate office and nothing was done. This has impacted my credit score by 74 points and is illegal. I have lived at the same GA address since XX/XX/2016 to present date I continued attending school at XXXX XXXX University and never stepped foot into the dorm. Everything was to be handled by the manager after I realized that my XXXX needed proper care that would take longer and only available on a military base due to my insurance with 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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the 15th time in a few months that chase has disappointed me as a customer. I reported an unauthorized charge on my account to which the representative rudely told me I have no right to dispute the transaction due to some asinine 60 day liability policy that they uphold. The transactions were two fraudulent transactions made my XXXX XXXX on XX/XX/XXXX and one in XXXX. Honestly, this is the last time I will complain about this company before I take further ( legal ) action. There is absolutely zero regard for me and my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I told you earlier I have retained a lawyer but till now u r sending letter to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been making on time payments with Chase Mortgage and it showing on all three bureaus XXXX, XXXX and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to Chase twice this year, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NY

Complaint narrative:
I have been making on time payments with XXXX XXXX  and it showing on all three bureaus XXXX, XXXX and transunion credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

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 2018-12-27 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: NY

Complaint narrative:
I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NY

Complaint narrative:
I have been making on time payments with XXXX XXXX and it showing on all three bureaus experian, XXXX  and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

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 2018-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received an email asking me to verify my banking information, so that I may receive a large settlement from a XXXX XXXX. It follows. 

From The Desk of : Dr XXXX XXXX XXXX 
Bank of America. 
Branch Offices XXXX XXXX XXXX XXXX, XXXX XXXX. 
NY XXXX, XXXX. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 

We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} Million into your bank account. 
Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX  ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX  XXXX   XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX discovery fund with XXXX XXXX  XXXX XXXX, which the XXXX XXXX  has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX  to distribute the fund to XXXX XXXX XXXX people in America, XXXX & XXXX in other to help improve their businesses. 
Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 
These are the information we needed to be reconfirmed by you. 
1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full name

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 2018-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XXXX my car was repossessed. I was never notified by Santander of any action being taken. Pursuant to Georgia Law 10-1-36 it states a deficincy can not be claimed unless all of the required notices were properly sent. I requested the legal certified documents from Santander on XX/XX/XXXX via XXXX  showing proper protocol was taken. My letter was delivered on XX/XX/XXXX. I received a response from a secondhand company XXXX XXXX on XX/XX/XXXX, which was a settlement letter. No certified documents have been provided like requested in the 14 day time frame which considers the deficiency null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CA

Complaint narrative:
There is an agency, XXXX XXXX XXXX, reporting negative information on my credit report that has an incorrect mailing address that they are using. After reviewing my credit bureau report, I sent a certified U.S.P.S. letter to this agency and it was returned to me. I am asking an investigation be conducted on this agency by XXXX  and Experian.

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 2018-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: CA

Complaint narrative:
XX/XX/XXXX, I discovered many Identity Theft issues on my credit file. I placed a fraud alert, provided police and FTC report of me being a victim of identity theft, with Transunion, that involved my information with my deceased Grandfather. 
For many years, Transunion has been reporting his information on my credit file, though my grandfather passed in XXXX XXXX. 
His middle name was XXXX, or XXXX. My middle name, XXXX, or XXXX. 
Same last & first name. 
To different birthdays, SSN 's, middle names & so on. 
After providing Transunion with my Grandfather 's Death Certificate, on XX/XX/XXXX, TransUnion Interactive wrote to me, acknowledging me of informing Transunion LLC of his passing, and forwarded it to appropriate department. 
Since then, I've been DEAD! .. According to Transunion LLC ... 
I have disputed multiple times with Transunion, but failed to convince them to correct the disaster. 
After me telling this company that the other name and info, " XXXX '' ( middle name ) is not me, I'm " XXXX '' ( middle name ), XXXX & XXXX, ( other 2 big CRA 's ) followed suit and reported Death Notes on my file afterwards. 
My last dispute result, from TransUnion, XX/XX/XXXX, stated : CONSUMER DECEASED DATE OF DEATH IS XX/XX/XXXX ( NO EXPIRATION DATE. ) I will stop here and see if TransUnion can figure out what my complaint is regarding.. 
Thank you for allowing me to state my case.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
on XX/XX/2018 i called carrington mortgage to check on the status of the account, the rep stated i have to ask some verifying questions one of the first questions was along the lines was are you currently with your spouse? how the XXXX is this a verifying question? i resent this/outside of account number phone number, name address socoial security number or passcode.this line of questioning is out of line and to me a violation of 93 a.if they have a right to askthem fine, but the represenatives at carrington have no right to preface these are verifying questions, carrington does not want to help they just want to FORECLOSE, they cherry pick on what they wish to reply to in complaints and carefully lie with others.also they state that they were given a change of address just in XX/XX/2018 .This is a lie .Borrower has proof Carrington received in XX/XX/2018 but repeatedly ignored requests afterwards to change even though they were repeatedly told..also they had and agent tresspass on my property ( clearly marked ) to hand deliver and open notice stating confidential yet it was not put in and envelope and the other copy was strewn near the road for all to see.i want carrington to respond specifically to these 3 concerns above to do with questionining anout am i still with borrower, why are they handelivering open correspondence with all borrower sensitive persoanl information carelessly placed on my property stating they cant reach us when we have been calling in for ove r2 months now and why carrington states it was just XXXX when they received a change of a address just for there mailings and borrower provided proof through you via email it was last XXXX!!! also carrington tried to lie with there rep XXXX a so called specialist that the 150 day right to cure need not be sent out when it in fact by law had to be redone.CARRINGTON SAY THEY WANT COMMUNICATION YET THAEY MAKE IT DIFFICULT TO OBTAIN ACCESS TO ACCOUNT INFORMATION OR STATUS WITH RIDICULOUS ILLEGAL LINE OF QUESTIONS LIKE THEY DID BEFORE.ALSO BORROWER WANT ADDRESSED IS WHY BORROWERS CAN NOT DISCUSS THESE MATTERS ON A NON RECORFED LINE, ARE REQUEST OF A NON RECORDED LINE SHOULD NOT PRECLUDEBORROWER FROM ANY ASSISTANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient put 6 different loans and split them up and filed them all as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am enrolled in auto-pay with a Capital One MasterCard account, I have noticed to distinct problems after reviewing my statements : 1 ) Even though my auto-payment is scheduled, processed and submitted on the date due, I have now on multiple occasions been charged a late fee.

2 ) Most recently the auto-payment that was submitted happened to be below the " minimum payment required '' and thus a 30 day late* was posted on my credit report. 

The relief I would request is simply removal of said information from my credit report, if this can not be accomplished I would like to pursue further action and potential litigation as I am sure I am not the only consumer effected by these practices.

Company response to consumer: Closed with explanation