vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 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: CA

Complaint narrative:
File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am have problems with Experian removing old names and addresses off my credit report. I sent them a letter in  XXXX   2017  along with a copy of my drivers license, social security card and proof of address, nothing was done. In  XXXX  I called them spoke with a man named  XXXX . He refused to remove the last name  XXXX  and  XXXX  address off my report. The addresses are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I explained to him that they are inaccuarte and not deliverable to me and it was against the fair Credit Reporting Act laws to not remove the former last name and old addresses but he said he can not remove them. Ireally need some assistance.   Thank you for your time.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   RE  :  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 2017-06-15 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: Real Time Group, Inc.
State: WI

Complaint narrative:
I had a mortgage that has been paid off/closed for a couple of years, yet one of the prior servicers  ( Real Time Resolutions ) is  reporting that my account is currently 60 days delinquent, AND that it was transferred to another company. This account was transferred to another company almost 3 years ago, and is no longer being serviced by  Real Time . I 've asked them repeatedly to report this correctly, or to delete it altogether, as it 's only reporting incorrectly to   XXXX    (  not the other reporting agencies  ).  This is causing problems with attempting to purchase a new home, and therefore I need this resolved quickly, as I 'm soon going to be homeless if this does n't get fixed. I keep getting the same information from them, they keep sending me a letter stating that the account was delinquent when it was transferred, but they will not fix the reporting of the account. This is the only thing holding up my new mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MT

Complaint narrative:
I noted my mortgage payment check has not been cashed. I called them today and spoke to someone named  XXXX . She told me my payment was being held in the  XXXX  post office due to a mail delivery problem and not to worry, I 'm not the on ly one and  they have put a stop on a late charge due to the mail delivery delay. The bank is Flagstar bank. Phone #  XXXX . Pymt amt of  XXXX . I told them I never heard log such a thing and why have they not notified 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 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My bank is not reporting my updated balance to XXXX ( an app ).

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 2017-06-15 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: NY

Complaint narrative:
Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on 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 non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
This is our second complaint. Nationstar Mortgage promised on  XXXX   XXXX  to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it  down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive  any letters on what happened with the deposit.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: SD

Complaint narrative:
BM  O Harris  Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs (  getting charged multiple late fees over a loans life cycle ).

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 2017-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi. I had filed my taxes for   XXXX   online and was told I owed   XXXX   {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on  XXXX .     Today, I got a notice that a public record was placed on my credit report by the   XXXX     State Country  clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on 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 non-monetary relief
Consumer complaint received 2017-06-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
NES serviced my loan after  XXXX  charged off the loan without contacting me by phone, email or mail.     Since  XXXX , have paid {$10000.00} on these loans to  XXXX . I have requested financial hardship assistance multiple times and have been denied all options.     The original lessor,  XXXX   XXXX   XXXX  charged off my loans in  XXXX   XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days.     NES did not contact me by  XXXX   XXXX . As of  XXXX   XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations.     Furthermore,  XXXX  withheld information regarding my loan. Between  XXXX   XXXX  and  XXXX   XXXX  I made numerous attempts by phone and written email to obtain the contact information of the new servicer ;  XXXX  would not even give me the name or phone number! It was impossible for me to make any payments at this time.     Finally, the first correspondence I received from NES by mail was on  XXXX   XXXX ,  XXXX . I have not received any phone call or email communication from  NES.  Today is  XXXX   XXXX ,  XXXX .     I had an attorney at  XXXX   XXXX  send a dispute letter on my behalf on  XXXX   XXXX ,  XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails.     NES did not contact me via phone, email or mail between  XXXX   XXXX  and  XXXX   XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information.     In  XXXX , I received a letter dated  XXXX   XXXX ,  XXXX  from another collection agency! Now    XXXX   XXXX   XXXX   XXXX   XXXX   holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week.      This is is predatory and unjust behavior from all of these agencies.   I intend to pay my student loan, I need fair treatment and fair reasonable payments.     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 explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a Best Buy store credit card back in  XXXX , and recently, it has come to my attention that  Citibank  has been fraudulently and unlawfully enriching themselves by charging me monthly " debt protection '' fees under the name of  XXXX   XXXX   XXXX , and   XXXX   XXXX   XXXX   and other possible aliases they 've deceptively been using to swindle money from their consumers. I never agreed to or was aware of this fee. In  XXXX , the CFPB found  Citibank  guilty of this exact same claim. As a result  Citibank  had to pay millions of dollars in penalties/refunds to the customers of Citibank as well as to the bureau ; however, I was not  one  of those customers who received a refund. Since  XXXX ,  Citibank   (  Best Buy store credit card ) has been consistently charging monthly fees to my account. My most recent statement being from  XXXX   XXXX ,  XXXX  still continues to show this fee, in the amount of {$22.00} as " enhdebtprot ''. The attached documents show the fee dates back to  XXXX   XXXX . This is the earliest statement available to me on Best Buy 's credit site. I called  Citibank  Customer Service department on  XXXX   XXXX ,  XXXX  and asked for my statements dated before  XXXX   XXXX  ; although, they notified me, it would take up to a month to receive those. The past few years, I have opted for paperless statements, as well as singed up for an automatic payment plan, therefore, I do not have access to previous statements other than what is listed online.

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