vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 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: AZ

Complaint narrative:
Twice I have tried to en roll in Auto Pay with Navient. For one, they do not allo w you to change the amount that you would like to auto pay. Second, they keep rejecting the auto pay submission because " Your loan is currently not in repayment and will not expire in the next 45 days. '' This is not true because I enter repayment on  XXXX / XXXX / 17 . Today is  XXXX / XXXX / 17 . Since they do not want to be cooperative in setting up easy repayment, I have decided I will pay these loans off by the end of this year. While setting up scheduled payments, they do not allow you to schedule payments more than 2 months in advance. This company makes it almost impossible to easily repay your loans. I feel like company is doing everything in their power to make as much interest off me as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: INVESTORS BANK
State: MA

Complaint narrative:
My mother who is  XXXX   XXXX   XXXX  and has  XXXX  and  XXXX   XXXX  has about {$5000.00} remaining of her IRA which is managed by Investors Bank,  XXXX    XXXX   XXXX  .  I hav e Power of  Attorney which was executed several years ago when she was competent. A few months ago, I realized that she has not received any reimbursement for the last 2 years. I originally tried to contact them in  XXXX  and did not get any answers, My mother then became very ill and I forgot about it. I resumed my attempts to get this information in  XXXX   XXXX . After several phone calls, and sending requested documents including a stamp ed Power of A ttorney from the Attorney who drew up the document, I was told they essentially want a new notarize d Power of Attorney. We proactively drew up a Power of   Attorney for a time when my mother would be unable to make decisions for herself. We are at such a time now and I can not understand how a bank can be allowed to withhold information as well as money without consequences. I have sent a letter of complaint to the local and main office of Investors Bank without a response. I also sent a complaint to the Banking  Commissioner  in   XXXX   XXXX   and was told that it is a  Federal iss ue. I would appreciate any help. The account is in the name of  XXXX   XXXX . My name is  XXXX   XXXX . I am her daughter and ha ve Power of  Attorney. My mother has lived with me for the la st 2.5 ye ars. The last address on her  XXXX  statement is  XXXX   XXXX   XXXX   XXXX   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 2017-05-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On  XXXX   XXXX ,    2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local  XXXX  store and noticed a n Am E x fee of {$3.00} charged per card. I called  American Express  customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging.   I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me  if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Thursda y  XX/XX/XXXX  Syn chrony called our house at  XXXX   XXXX . The person had a heavy accept most likely from  XXXX . The last name was ours,  XXXX . I could n't understand the first name. I said I could not understand but why are you calling at  XXXX   XXXX . The person hung up.   I called the number back. It was indee d Synchony Financial.  We have excellent credit and our  XXXX  accounts are ahead of schedule. I 'm paying off  XXXX  this month. It is due next year.  The other w ill be paid off by the end of ''tis year. It 's due     XXXX   2019.     The person apologized after looking up our accounts - not before. In fact when I said  XXXX   XXXX  her response was she must have thought I was on th e East Coast. T he area code is California. She supposedly submitted a customer complaint. I doubt it. I did n't get a copy.   I asked for an apology frim the caller during normal hours. I doubt sny action has been taken and another person with excellent credit who is paying off the card earlier than the promotional period will be woken by this person.

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 2017-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase   XXXX   XXXX   Chase   XXXX   XXXX   XXXX    XXXX  Ny  XXXX  No $ Amount.  33   pages   XXXX   XXXX   already has CFPB Case # FOIA Request www.ftc.com. Contact Us   XXXX   XXXX   Account #. With Customer permission by Chase. Send Receipt of # Amounts   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  Ohio  XXXX   XXXX  Case # `  XXXX   already submitted To :   XXXX   XXXX  . With permission by Chase Customer Slip Direct Deposit. I, m asking For : # Amounts   32   pages FOIA Request   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc.  sent me a letter after I had sent them a written request not to contact me again in any form.  Transworld Systems  proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems  flagrantly violated the  Fair Debt Collections Practices Act  with their communication after receiving my written demand not to contact me in any form.  Transworld Systems  is flagrantly violating the  F  air Debt Collections Practices Act .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: CA

Complaint narrative:
I wrote a letter to Midland Credit Management to stop calling me and harassing me and they continue doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: NY

Complaint narrative:
I see that I have a dept collection of {$340.00} from stellar Rec that was opened in  XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the 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 2017-05-13 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: IL

Complaint narrative:
XXXX   XXXX ,  XXXX  CFPB : JPMChase denies me credit as retaliation for complaints that I have filed against JPMChase, and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the pa st five ( 5 ) years . JPMChase claims that I owe it over {$140.00} on my JPMCha se Visa Platinum Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee  on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX , JPMChase alleges that it performed more than {$140.00} of Maintenance on my Family Homestead,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance. JPMChase threatened to take away m y Family Homestead and  the personal property  of five ( 5 )  generations of my family, if I did not pay the Undeserved Maintenance Fee. JPMChase intimidated me into paying the Undeserved Maintenance Fee.   I demand that JPMChase remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my JPMChase  Visa Platinum Cre dit Card.   If CFPB can not get JPMChase to agree to this, then I request CFPB to get JPMChase to accept payment from my JPMChase Checking Account to Completely Pay Off the alleged Outstanding Balance on my JPMChase  XXXX   XXXX  Credit Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: FL

Complaint narrative:
Transunion has  XXXX  accounts on my credit report that are reporting inaccurately. There is collection with a company that I have never heard that is on my file erroneously. I have an account with  XXXX  that states there is a late but I never was, and they will not show me proof of the account ever being late. It was paid in full never late. I also have a student loan account that is reporting multiple accounts with the same account number and has  XXXX  lates which is inaccurate. I have provided a letter to show exactly was is incorrect and a letter from the student loan company that shows that my account was never late. I have attempted to contact both Transunion and these companies but no one is answering me and are not accurately reporting my credit report.

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 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
trying to remove these accounts  XXXX , from transunion,  XXXX , and  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 2017-05-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On  XXXX / XXXX / 2017  I sent through this portal a demand for an investigation of items on my credit report. The case number to this complaint is  XXXX . As you can see as of today  XXXX / XXXX / 2017  that Transunion has not provided a response to the investigation. I have called and spoken to there customer service team on  XXXX / XXXX /   2017  and was informed that the investigation was still pending 34 days after the start of the investigation. there is no wiggle room in the FRCA when it comes to investigations, your either comply, or you do n't. They are obviously not in compliance. When this complaint is received on Monday  XXXX / XXXX /   2017  the investigation will be in its 37th day. I did not waive time so they need to comply with the FRCA.

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 2017-05-13 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: GREAT LAKES
State: OR

Complaint narrative:
XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: IL

Complaint narrative:
XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  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 2017-05-13 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: IL

Complaint narrative:
XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: IL

Complaint narrative:
XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  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 non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
back in late  XXXX  early  XXXX  my wife and applied to refinance a home @ wells fargo in   XXXX   ohio. we were told all was approved and we had to just come and sign the papers, so we did. after we did the bank employee told us she would contact us the next day.we heard nothing and after several calls were told that we were not approved. after pulling my credit report several years later i found that a {$5000.00} credit card had been opened up in my name. it seems to have been paid for a few months and then not paid for a long time. now at is on my credit as pays as agreed but has been damaged my credit .i have just sent this info  XXXX  and i am waiting to hear back. i have not heard from wells fargo and i can not find the name of the legal team tacking care of this. any info on this would be appreciated. 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 non-monetary relief