vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like the credit bureau to correct my XXXX XXXX XXXX XXXX balance. My correct balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like the credit bureau to correct my XXXX XXXX XXXX XXXX balance. My correct balance is 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I noticed a collection debt appear on my credit report earlier this week ( XX/XX/18 ). I XXXX XXXX the name of the company and looked up their website - I have never received anything in writing nor any phone calls ( that resulted in a voicemail - I do not answer calls from unknown numbers ) from this company about this debt. I contacted their settlement department via e-mail using the e-mail address on their website requesting more information about the debt owed, but have not received a response. I have no way to pay the debt if they do not send me the account information that is required for their website, which means it will remain on my credit report until it is sorted out.

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 2019-11-20 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I updated my banking account details with Carrington Mortgage that were saved on their third-party payment processing website, XXXX. In XX/XX/XXXX, I submitted a dispute with Carrington Mortgage because their website did not process my payment according to the new banking information but instead reverted back to the saved information causing my payment to be late. Carrington acknowledged their error and suppressed my credit reporting for XX/XX/XXXX. I have used the same stored banking information until XXXX of XXXX when I updated my account details again on XX/XX/XXXX. 
The same thing occurred where my new information was not used, but the stored information was used and caused my payment to be returned and thus reported 30 days late. This time, Carrington outright refused to suppress my credit report and responded to my multiple disputes with inaccurate information regarding my banking details ie referring to a XXXX  XXXX XXXX account that I did not have open when my XXXX payment was made. They have also refused to share any documentation received from XXXX detailing my activity on their website the day in question. I am demanding Carrington fix the error with my credit report as my payment was made on-time and wasn't my fault that their third party website for payment processing has a known glitch which they acknowledged in XXXX of XXXX. After a year, they are now stating that they made an error in XXXX and there was no known glitch. I have a letter from Carrington that ackowledges a known error with XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Without my express written or verbal consent XXXX altered the name on my account. Subsequently the incorrect information was passed on to other creditors, Navient and XXXX XXXX XXXX. It is causing extreme hardship attempting to update the name on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: NY

Complaint narrative:
I've made several attempts to resolve this with company but was ignored. I asked them to send proof that the debt was mine, which is impossible because I was out of the country when the claimed purchases occurred, which means there was no way for me to make those claimed purchases. They did not send proof, anything with my signature on it, nor did they send any original copies of the checks they claimed that I wrote. At this point it's impeding on my life and I'm fully prepared to go to court for this.

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 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly. 

My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card. 
I have even asked them to XXXX XXXX it to me. 

I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days. 

As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses. 

If you can advise me I would be most appreciative. Thank you. 
XXXX XXXX email : XXXX I

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 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
XX/XX/2019, They are making calls to my job and harnessing me when I tell them to not call they stated that don't care and that they will continue to call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation
State: NM

Complaint narrative:
I received a first notice in XXXX for payment of {$3100.00} from TRS Recovery Services, SM stated that on XX/XX/XXXX at XXXX XXXX that I had written a check to XXXX XXXX XXXX XXXX in XXXX , NM XXXX. Apparently, the check was not cleared and they want me to pay back. 
In the first notice, my last name was incorrectly spelled. I have contacted XXXX XXXX XXXX  on XX/XX/XXXX at XXXX and spoke with XXXX ( declined to say last name ) who confirmed that they have no record of my check written to XXXX XXXX and she referred me to XXXX XXXX at XXXX. I called XXXX XXXX who kept asking me for my name, SSN # and date of Birth in order to check her file. I also called back TRS Recovery Services at XXXX or XXXX and thereafter I spoke to them, they asked for the correct spelling of my last name. 
I received a 2nd notice from TRS Recovery services asking for copy of my bank statement and checking acct #. 
I checked with my bank officer who stated that that check never hit my acct and acct # on that statement is not my acct. 
I have requested a copy of the check from TRS recovery and have not received yet. 
I live in XXXX, NM and was at work on XX/XX/XXXX and signature on check is not mine. Thank you for your help. 
Please help/

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 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Without my express written or verbal consent XXXX XXXX XXXX  altered the name listed on my account. The name on the account is incorrect. They subsequently sold the account to Discover Financial Services. This account contained the wrong information, leading to the wrong information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Loan Financial Assistance
State: OR

Complaint narrative:
In one day I have gotten 3 phone calls from a school loan reduction comp ... I have never had a loan for school ... all numbers are listed below. I get these all the time and when I ask to talk to someone with the Ref # they give me they hang up. 

XXXX ref # XXXX XXXX XXXX XXXX XXXX ref # XXXX Thank you for taking care of this issue. More needs to be done about false calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Reason is the amount owed is not valid. the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/XXXX, XXXX I request a credit promotion on XXXX XXXX XXXX for the purchase of two bedrooms furniture for the total of {$2400.00} to be payed in 33 months that ends on XX/XX/2021. The first problem was that they don't sent me the first statement and I call them to know what happened, they have the wrong address, because of that I had to pay {$170.00}, {$150.00} for the past due and current monthly payment, also that I have to pay a late charge of {$27.00}. The store never told me that the monthly payment are {$76.00} and that payment aren't fixed. Because I understand that the payment are fixed and as the balance go down the minimum payment go less each month, I pay {$170.00} instead the {$76.00} appear on the first statements. After few months and paying {$100.00} I notice that the minimum payment continue the same, {$76.00}, I contact the Synchrony Bank, the financial institution that support the promotional credit of XXXX XXXX XXXX and they told me that my contract are a promotional credit offer not a revolving credit card, so that I have to pay the {$76.00} minimum payment no matter what if I pay more than the {$76.00} on each one of the past payments I made. I call them and made a claim about that and they told me, that I can't pay in the 33 months now, told me that I can continue with the minimum payment of {$76.00} even if I pay in full in less the 33 months. 
I want to know what's are my rights to pay in the 33 months as told me the XXXX XXXX XXXX store where I make the purchase.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KY

Complaint narrative:
I opened an XXXX XXXX account on XXXX XX/XX/XXXX. A promotional offer was advertised : {$100.00} would be credited 30 days after receiving a direct deposit of over {$500.00} within 60 days of account activation. I received a payroll deposit from my employer on XXXX which fulfilled the terms of the promotion. 

{$100.00} was not credited after 30 days so I sent a secure message inquiring about the promo status. On XX/XX/XXXX, two representatives replied that the terms of the offer were different from the advertisement : " Please be advised that customers who acquire an ACE Flare account at participating stores and enroll in direct deposit within 60 days of the account creation date and receive a qualifying direct deposit of at least {$500.00} for the next three months can receive a {$50.00} or {$100.00} credit in account, to be paid out within 30 business days of the last qualifying direct deposit. '' and " Please be informed that the promotion is if Cardhholder will receive a minimum qualifying direct deposit of at least {$250.00} for the next four consecutive months can receive a {$25.00} credit per month for 4 consecutive months to their account, for a total of up to {$100.00}, to be paid out within 10 business days of each qualifying direct deposit. '' These are not the terms of the advertised offer. I replied stating that I would file a complaint if the offer was not honored and was escalated to a senior representative at XXXX who upheld previous statements. 

The web page for the original offer has been removed : https : XXXX The page contents were preserved by Archive.org and can be seen here : https : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: MOHELA
State: MD

Complaint narrative:
XXXX Mohela  owes me more than {$200.00} as a result of a loan repayment, but refuses to send my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
In XXXX of XXXX I obtained a HELOC from BECU. At that time I had bank accounts with BECU that drafted automatically payments for the HELOC. 

By XXXX of XXXX I was moving my day to day banking to XXXX XXXX XXXX. In XXXX of XXXX I submitted proper paperwork to BECU for ACH from my XXXX XXXX account and to convert the loan to an amortized fixed loan. I received email confirmation from BECU representative that they received the paperwork. 

Despite many efforts from XXXX to present, I've not been able to have them process my payments properly and it has created improper credit scoring. 

I filed a complaint on XX/XX/XXXX through Federal Reserve Consumer ( third party ) which forwarded the complaint to CFPB. 

In XXXX of XXXX I was contacted by XXXX XXXX from BECU. I supplied him with written information related to the matter and he acknowledged that there was an issue. However, over the following three months there was poor to non-existent communication to achieve resolution. 

Finally, despite three emails and one written letter, I have had no response from Mr. XXXX since XX/XX/XXXX. 

At his request, I resubmitted the same paperwork for processing ACH payments ; yet have not received a confirmation of processing. Furthermore, BECU continues to report late pays on my credit file despite the payments being late due to their non-processing of proper paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I was the victim of theft and my wallet was stolen, included credit, debit cards and drivers license. No checks were stolen, no ss card was stolen. Police report filed, bank and all creditors notified, cards reported stolen. On XXXX I was notified in writing via US mail that a check fraudulently made out to me was cashed at a bank of america branch using my name and drivers license in another state, despite the signature not matching and the person cashing the check did not have any checking account information. The check was later returned by the issuing bank as it had been reported stolen. Bank of America then debited the amount of the check, {$1900.00} from my account. They sent me a scanned copy of the check with the notice. I reported this as fraudulent on XX/XX/XXXX to a local branch and also spoke with the fraud division by phone regarding this claim. They are denying me access to those funds and telling me they have 60 business days to investigate the matter. This is despite my supplying multiple documentation that this was fraud. I can not get any assistance from BOA customer service or fraud division. I desperately need this money redeposited into my account, and need someone to assist me with BOA. 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 monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
On XX/XX/2016 XXXX XXXX states that I owe them {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I wrote out a check ( # XXXX ) in the amound of {$2900.00} to a remodeling contractor. The contractor then proceeded to the XXXX XXXX, PA branch of Wells Fargo to cash the check. The cashier attempted to cash the check, which was declined because funds needed to be transferred into the account. The cashier then authorized transfer of funds from another account ( overdraft protection ) and proceeded to cash the check, but for {$500.00} less than the check was written out for ( the cashier cashed it for {$2400.00} ). The entire transaction history showed this on the evening of XX/XX/2019 as " pending transaction '' and the Wells Fargo customer service representative could not explain what had happened, so the matter was assigned to an " investigation ''. The contractor 's transaction receipt clearly showed that the check was cashed for {$2400.00} ( not {$2900.00} ) and the contractor swears that he received {$2400.00}. Less than 12 hours later on the morning of XX/XX/2019 the entire transaction history showing the mistake had disappeared from my account and the record indicated that the bank had cashed the check for the full amount of {$2900.00}. I called Wells Fargo again on XX/XX/2019 and they indicated they considered the matter closed despite what the contractor 's receipt said. At this point I accused the bank of attempted fraud and the matter was supposedly escalated to an " executive complaint ''. It is now XX/XX/2019. I have called Wells Fargo executive investigations three times and have been repeatedly told that they have not assigned the matter to a case manager and can not tell me when it will be assigned to a case manager. It has become clear that Wells Fargo has no intention of resolving the matter and is now just stalling me in the hopes that I will let the matter drop. They continue to defraud me out of {$500.00} because of their teller 's mistake and subsequent cover up.

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 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I started qualifying employment for public service loan forgiveness in XXXX of XXXX. According to NSLDS, my Direct Subsidized and Unsubsidized Consolidation Loans were disbursed on XX/XX/XXXX and I went into repayment on that same date. Since that time, I have made on-time qualifying payments every month for a total of 110 qualifying payments on each loan. This mean I should be required to make only 10 additional qualifying payments in order to obtain forgiveness on the remaining balance due. 

My FedLoan Servicing account indicates I have made only 70 qualifying payments on the Direct Subsidized Loan and only 71 qualifying payments on the Direct Unsubsidized Loan. 

I submitted requests to FedLoan Servicing online to ask someone to look into this issue on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have received automated confirmations that my inquiries have been received. However, I have not yet received actual help.

Company response to consumer: Closed with non-monetary relief