vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I keep getting the XXXX XXXX from this company. I have tried 5x unsuceesfuly, especially afteer getting hosed by XXXX, and some customers XXXX on the 1st of the month ( a mil payday ) to access funds. 

I have a severe plumbing issue and I need things from XXXX or XXXX. I was unlawfully denied because XXXX was shooting " unamerican bitcoin cash outers '' in the foot. When I highlighted this after 6 hours or more of tweeting, the card let some transactions thru. I was called " unamerican '' for an XXXX XXXX account secured CD I tried to open and my info is continuously out of XXXX reported to me, even though somehow the bank has my info. Sent info to XXXX and usaa but I keep getting the PC XXXX instead of " getting XXXX straight '' ( as chief says ) with the bank. 

THis is the 3rd bank im having XXXX with and XXXX DESERVE BETTER than this XXXX organization that treats us worse than trash. they deserve less than the reputation listed online and can XXXX XXXX complaints in the XXXX XXXXIf treat people this way, DONT EXPECT POSITIVE REVIEWS AND TWEETS. unlawful reporting as ABUSIVE to twitter is a 1st amendment violation and illegal censorship. companies do not have the right to choose how info or what info gets leaked about them because of thier bad actions. this is also a trend. XXXX payments take over 3 mos to move. balances have been refused to be sent to my other accounts and the option to add more isnt working, as is half of thier website on a ongoing basis. This is why I left regions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.

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 2017-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a formal debt validation request to a company by the name of XXXX XXXX, who is reporting an unidentified debt on my XXXX, XXXX and XXXX consumer reports for the amount of {$390.00}.

In addition, on XX/XX/XXXX, I submitted requests to all the credit bureaus asking for a reinvestigation. However, despite my concerted efforts, the account remains on my credit reports.

Federal law require that the credit bureaus provide a way to ensure that each it on my credit report belongs to me. Since the information is inaccurate and has not been validated, it is a violation of federal law by both the credit bureaus and the company XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-04 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a spark business credit card with capitalone and want to increase the credit limit to avoid to use personal credit card for business purpose. 

Since the limit is low, when use more than 10 % of credit limit will start decreasing the credit score. I have over {$150000.00} in credit limit on my personal credit cards. But I am not able to increase my credit limit with my spark business credit card. 

Please explain the reason provided : 1 ) Credit bureau information is missing or unavailable ( what is missing? ) 2 ) Recent use of this account 's existing credit line has been too low ( what is the correct use? ) 3 ) Your average monthly payment has been too low ( what is the correct amount? keep in mind I am using the balance transfer 18 months 0 % with 3 % fee, I have not interesting in pay the full balance in less the 18 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: American Student Assistance
State: WA

Complaint narrative:
XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have a mortgage with Navy Federal Credit Union and they have yet to correct my mortgage account to reflect that it is current. I made a payments on time and there was a occurnce when my payment was missed applied by there teller to another account. After I have made several complaints and provided evidence of the teller mistake to the servicing department to correct and to update the status on my monthly statement and credit report status nothing has changed. 

I have been dealing with the issue for months!!! The mortgage servicing department has the worst service and seems to lack the professionlism to get anything done. 

I refuse to deal with the credit union and I am hopefully that CFPB will be of support

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: MD

Complaint narrative:
What happend this it all about a utility bill, so I 'm going to describe what happend I moved from my previous address at the end of XX/XX/XXXX so I called the pse and g which is the electricity company to disconnect the service and to send md the final bill to the address I gave them that time, so they send it to me I do n't remember exactly the amount but it was 100 and some dollars so I paid it by money order and send it by the mail, at XXXX I moved to Maryland after year and half even more I get a letter in my mail from a company called XXXX XXXX XXXX that I have collection of XXXX so I called them they told me this from past due electricity bill so told them ca n't be true because I have paid it anyways to have less headache I paid it same day and they told me we will send you a letter that you paid it but Even tho I paid it the damage is done because Already they report it to transunion, now my issue why the electricity company did n't contact me or send me the bill they assume that I owe before send it to collection agency and even if they send it to collection agency by law they give 30 days before report it to transunion and this company XXXX XXXX send me the mail at least a month late and when I asked them why they say we were looking for your address are you kidding me it 's unprofessional at all anyways I hire a company called XXXX XXXX XXXX to remove it from my report now it 's been paid since XX/XX/XXXX and they never remove it and it 's unfair because I work so hard to keep my credit report clean, I blame the pse and g and the XXXX XXXX for this because if I knew for one second that I have a bill I have to pay I would pay it right the way so it 's there fault from not notify me, now please I 'm asking for your help because I tried so many times with transunion to remove it by sending them letters and XXXX XXXX XXXX as well send them letters and nothing happend so now XXXX XXXX XXXX send them again notarized letter for the fourth time and usually it take 30 to 60 days from them to respond but they did n't thank you again for this opportunity to help me fix this issue.

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 2017-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This transaction happend XX/XX/XXXX The chase bank made this to XXXX XXXXfor the amount of XXXX for a purchase tracking no. ( MTCN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX the merchandise ordered was not recieved?? so I made a cliam XXXX XXXX  claim # XXXX and then I called Chase bank to make a claim for the XXXX in???? they closed my account. XXXX XXXX also refused refunding my XXXX dollars I just emailed on XX/XX/XXXX and am now complaining to myoure agency as I have now been out of money I am XXXX and XXXX please help me asap if you can XXXX XXXX XXXX I have been referred by XXXX XXXX XXXX help on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had been using a credit card issued by Citi for some time. In XXXX 2017, I received a letter from Citi regarding a past due status on the account. 

I immediately called and learned from the customer service person ( collections department ) that I had been switched to paperless statements approximately 2 months prior. I never received any paperless statements, reminders, email, etc. and, most importantly, did NOT convert my account to paperless billing. I was told by the representative that if I log in to my account it will come up with a default check on the paperless option and " if you do n't catch it '' it will switch you over. 

I requested a copy of my latest statement and immediately paid the past due. 

I object to being charged interest, a late fee, and the reporting of this to credit reporting agencies. I would like to see some evidence that I elected paperless reporting, and I would like to see a regulatory agency look into this practice.

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 2017-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take everything off of there that is past 7 years. Hoping to improve my credit score.

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 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX I sent Source Receivables MGMT ( SRM ) a letter to see if their client XXXX is still willing to settle my debt for less than the full amount so that I could paid it off. SRM sent me a letter back dated : XX/XX/XXXX. In that letter they stated they were in receipt of my offer to Settle the XXXX account. That letter stated : Please be advised we are willing to accept your offer to settle for {$500.00} due by XX/XX/XXXX. I withdrew money from my Savings account deposited in my checking and sent them a bill pay on the XX/XX/XXXX. I was able to view the cashed check online. It was posted to SRM 'S account on XX/XX/XXXX. I honored my word by sending in the money to settle before the date it was due. I have a copy of the letter, proof they cashed the check but when it came time to reporting to the agencies they chose not to. So I then Initiated a dispute with XXXX and XXXX. XXXX claimed I owed the full amount per SRM per my first completed dispute report I got back in the mail.. I immediately called up XXXX on XX/XX/XXXX and explained my situation. The rep at XXXX Stated the collection agency is still saying i still owe. I asked her if she got my pdf of my proof of settlement. She said she did. I said based on that letter your reporting is incorrect and you are violating the FCRA. The letter written by SRM to me clearly stated they were excepting my offer to settle. They ca n't circle back and say I still owe a remaining balance. That 's why its called a settlement. So then she said she 'd put in another dispute for me. I told her it should be reported as Account paid in full for less than full balance. Settled.. That same day, XX/XX/XXXX. I sent a fax to SRM which included my letter i wrote them, their reply accepting the settlement amount and lastly a copy of the paid check front and back. On the cover of that fax attn : XXXX XXXX. Per our agreement this account was settle on XXXX. Why is it still being reported as owed/unpaid? XXXX/XXXX were to be updated as paid in full for less than full balance. Settled. I also included my phone number and email address. Needless to say they 've never responded. XXXX ended up fixing the incorrect reporting. However XXXX is still reporting incorrectly. I just got the 2nd dispute back they updated what i paid but are still stating I owe {$580.00} and its past due. That is not right!!! This account is a PAID SETTLEMENT and SRM needs to honor their word and report as such. I have it in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.

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 2017-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX, 2017 I logged into XXXX XXXX and I see that my XXXX XXXX account and my XXXX XXXX account is not showing up on my account and has cause my length of credit history to go down and my credit utilization has gone up due to these accounts being removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I am a XXXX year old woman and in XXXX XXXX 2016 I notified XXXX that I wanted to cancel my XXXX XXXX and internet because I could no loner afford it. I was through with the two year contract. I had paid my XX/XX/XXXX bill and I knew that cable companies always billed one ahead. When I contacted them by phone I was transferred three times and finally a young lady kept trying to see if the bill could be lowered and I kept saying I want to cancel.I know they receive a commission when they stop people from canceling.The young lady did not inform me and where I should send the equipment and I looked up on the internet and found that I could take it to XXXX and they would send the equipment back to XXXX. A friend of mine took the equipment to XXXX for me and I do have the receipts. I have received letters from XXXX that they may disconnect my service. The bill at that time stated I owed $XXXX, now they state I owe $XXXX. I have asked for an itemized statement and informed them I contacted them at the XXXX XXXX XXXX 2016 and canceledmy services.They have now turned the account over to two different collection agencies.I do not have that type of money and wish I remembered the young lady I talked with to cancel my account. I know other people have had the same difficulty with XXXX.Thank you for any assistance or resolution to this problem. I also know if I had the money to pay this amount that XXXX does not remove it off the your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I was living at an apartment that i was cosigned on for the lease.  When I moved out they came after me for the money from being on the lease but never specified what the amount of money was for. They have a huge amount of money that they are trying to collect from me that i feel i don't owe and they've never shown that i do owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation