vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Collection Accounts identified as ( XXXX XXXX ) on my Experian Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Experian to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Experian needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.

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 2017-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I previously had an account with JP Morgan Chase. I held the account for 4-5 years. The account was set up in XXXX, Michigan at a time when I was residing there temporarily. 
A few months ago, I had approximately {$6000.00} in the account. I received a transfer of {$50000.00} from a friend of mine regarding some business we were conducting. Suddenly I was unable to access my account online or on the telephone. Eventually, after numerous telephone calls, I was told my account was being closed and I would be mailed a cheque for the funds. I waited patiently and no cheque arrived. I then called again after a few weeks and after numerous phone calls found myself speaking with the Executive Office. They again promised to post the cheque. It never arrived. I called again and after being thrown around again I was told the {$50000.00} had been sent back to the originating account and the {$6000.00} was being retained for administration fees. I have checked with my friend and he has confirmed that he has not received back the {$50000.00}. This is outrageous. I have been given no explanation, and in fact now when I call up they tell me they can not speak with me any longer. I have not been in any way untoward. I have been professional, courteous and patient, but they refuse to speak with me now. I am not sure why this has happened. There is no illicit activity from me and I have given no explanation. I now find myself having to reach out to you for a resolution. I have spent a lot of time, effort and energy trying to get some information and my money back. I am owed {$56000.00}. I have also spent a lot of money on expensive international phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid for a wedding vendor to provide a service during my wedding, which she failed to do. I have an email from that vendor agreeing to give me a FULL refund and since she did n't have my credit card information on file, she suggested filing a dispute with Chase to get my money back. I filed this dispute with Chase in XXXX. It 's now XXXX and Chase is still " looking into it ''. They have the email with the vendor telling me to both file a dispute with Chase and that she agreed to a FULL refund. 

The way Chase is behaving is ridiculous- They have everything they need and and they 're keeping my funds for an unnecessarily long time. They need to get their act together. The vendor is not disputing this charge back, and there is no reason why they should n't give my back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX I completed a debt consolidation program that included paying off my account with XXXX Bank. Now, 2 years later, that same account shows up on my credit report as being currently late in payments with a past due amount of {$13000.00} as of XXXX XXXX, when in reality it was paid off in the spring of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX JCPenney credit card switched to JCPenney mastercard. During this switch I was notified I would be sent a new card which I was. Though the number and logo on the credit card were different all my account information was the same. On their website I still logged in under my old username and password. Even my bank information to make payments to them had been saved. Apparently the only thing that did n't get carried over when they made the switch was my enrollment in auto bill pay. I was never notified of this and assumed my monthly minimum payment would be deducted from my bank account as it always had for nearly two years. A few days after my payment to JCPenney mastercard was due I noticed no money was deducted from my bank account. I went online and noticed I was not enrolled anymore in auto bill pay! I called their XXXX number and resolved the {$25.00} late fee they had charged me. In XX/XX/XXXX I re enrolled in auto bill pay. XX/XX/XXXX auto bill pay again did not go through! When I called them again to find out why they explained that sometimes it can take a full billing cycle for the enrollment to go through. Though no one notified me of this previously. This time they denied my request to refund the {$35.00} late fee. At this time I closed my account with them and paid the late fee as well as the normal minimum payment. XX/XX/XXXX my minimum payment increased from {$25.00} to {$35.00} despite my total balance going down. 
I ca n't understand how I was enrolled in auto bill pay for two years then suddenly need to re enroll without any notification. I have never had a late payment with them before and I feel it was sneaky on their part and wonder how many other customers went through what I went through. I am upset that this will show up on my credit report as a late payment as well as having to pay the {$35.00} late fee. 
Interestingly enough XXXX also made the switch to XXXX slightly before this and yet I remained enrolled in auto bill pay with them. I am very upset with JCPenney and would like my late fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
XX/XX/2016 I called Citi credit card co. to get the payoff amount of my credit card, {$610.00}. I explained to the person at Citi that I would like to make the payment through BILL Pay XXXX XXXX because that is where all the other monthly payments were made. I explained that the payment would arrive about 5 to 7 days late and if that was OK I would proceed with the payment. I cut up the credit card and made what I assumed was my final payment. Citi did charge me a late fee of {$25.00} and I was not aware of this until they started calling me in XX/XX/XXXX. I did receive Citi card mail but was not aware it was a late fee but thought it was just information about my cash rewards and other offers so I never opened the mail but put them in the trash. To date my account is at {$120.00} because of late fees on top of late fees. Citi agreed to reduce it {$86.00}. but I feel I paid them in full when I called in to get the payoff amount. They have no record of this call. Do I have any rights or do I need to just pay the ridiculous late fees?

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 2016-11-23 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.

Company response to consumer: Closed with monetary relief