vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/19 a check was deposited into this account for {$3000.00} but only posted to the account for {$1000.00}. This is the second time since XX/XX/XXXX we have had a problem with Chase and a keying error and they didn't fix the first issue so we don't really expect them to fix this issue on their own although we will also be contacting them. This is extremely irresponsible of them to continuously make these kinds of errors and there is no accountability for the errors they make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IA

Complaint narrative:
I re-applied for Income Driven Repayment ( ICR ) in early XXXX with my wife who also has a similar amount of student loan debt. We are both XXXX and both went to XXXX XXXX. She received her ICR re-calculation a few days later and it was what we were anticipating it would be, and more importantly, it was something we knew we could afford. When I received mine, it was double the amount of hers and way out of the range of what we were anticipating or budgeting for. She guessed it was because they forgot to include her student loans in the calculation. Instead of approximately {$500.00} per month, the payments were {$910.00}. 

We called XXXX XXXX XXXX to inquire on XX/XX/2019. We talked to someone and right away he said " oh yes, sorry about that. XXXX XXXX XXXX   did actually calculate it incorrectly. We did not take her debt into consideration. We will place you on an administrative forbearance while we re-calculate. Look for that in the next week or two. '' We were happy because we could not afford the {$910.00} this month or any month. 

Two weeks later, we still hadn't heard anything from XXXX XXXX XXXX. The {$910.00} was still showing as due and the ICR had not been re-calculated.

We called back ( which took TWO HOURS to get someone on the phone ) on XX/XX/XXXX. When we finally got someone on the phone, the woman pulled up the account and she saw the ICR request. She said and I am quoting " oh it's our fault, that never got properly submitted. I can see the request but it just did not get submitted internally. '' We were frustrated, but she assured us that she as expediting it. She submitted the ICR and told us she would place the current account amount due of {$910.00} on an administrative forebearance as it was due on XX/XX/XXXX and since it was their fault, she could get that done. 

Now it is XX/XX/XXXX and the amount is show as PAST DUE by 8 days because no one at Fed Loan Servicing has done what they said they would do. We have contacted them via email to let them know this was going on ( XX/XX/XXXX ) but we did not receive a response within 48 hours as promised. I can not spend two hours on the phone again trying to get this figured out with them. They need to fix it like they said they would. I have no faith in them as a loan servicer ( this is not the first time they have screwed up my ICR - it literally happens every year ). 

I need them to get the {$910.00} that is past due out of the queue like they said they would do originally a month ago. In addition, everything has been accruing interest which also needs to be taken off of what I will owe. This is predatory lending. If they do a poor job and make customer service unavailable to me, they win because they are owed more money. I expect more from my loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I contacted Mercedes-Benz financial collection department to advise that I have all the outstanding balance due to them in escrow and ready to make the payment to reinstate my car loan. They refuse to allow me to pay the outstanding balance with claims that my account is charged off. I contacted them in XX/XX/2018 advising them that I could not pay my account online and I was bringing my account up to date, that was when I found out that my car loan was charged off. I have been trying to pay off my car loan owed balance since XX/XX/2018. The finance company is requesting that the entire balance is paid off ( {$15000.00} ). That is way too much money for me to come up with. I have the {$6700.00} owed available and willing to pay it. The car is not worth {$15000.00} it is only worth about {$9000.00}. So, it has been very difficult for me to obtain a refinanced car loan and my credit score has gone down drastically. More importantly, my car payments were made timely and early every month for over 32 months before my incurring a financial hardship which I have since corrected. I have the balance due and am able to pay it and reinstate or modify my car loan. It is important because I have invested in this Mercedes-Benz vehicle for my PhD degree program over $ XXXX in timely payments. Lastly, note that when I did my credit report back in XX/XX/2018, the Mercedes Benz Financial services account was not listed at all nor as a charge off. Please help me with this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is my second complaint about this company. 
I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated. 
As before i sent a written noticed to the company listed above on XX/XX/2019. 
The letter was signed and received on XX/XX/2019. 
I have yet to receive any verifiable documentation from the Credit Systems International. 
I also disputed this with XXXX  and XXXX. 
the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 ) XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. 
As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they  notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. 
CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account SAIF ID # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018 Equifax received my certified mail ( XXXX ) asking to investigate and resolve errors in my credit report. 

XXXX reporting a past due balancr of XXXX in a collection which is a Violation to the Law. The answer from Equifax was " validation '' and " updated '' infotmation. 

XXXX XXXX reporting a past due balance in a collection account and again same result as " validate '' or " uodated '' information. 

XXXX XXXX XXXX reporting " 1 month term '' and " open account ''. The answer from Equifax was " updated '' and keep reporting same error. 

Attached in this complaint are screenshots as proof from Equifax showing the " past due balance '' in collection accounts which again is a violation of the federal law and must be removed from my credit report. 

By default a collection account is past due so XXXX is allowing to report accounts to hurt my credit and providing the same violation in writing after their investigation. 

Equifax just ignored my request and sent me back the same information without taking the time to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2018 I've been trying very hard to have is ( TransUnion ) credit reporting agency correct or delete all misleading, incomplete, unverifiable accounts and information from my credit file. However ( TransUnion ) has repeatedly chosen not to adhere to federal law. CPA & FCRA.

The following accounts were deemed to be reporting accurately but with no physical evidence. Per sec 609 of the ( FCRA ). No proof of what they say I owe, and balloon account balance.

1 ) XXXX XXXX {$2600.00} 2 ) XXXX {$1500.00} 3 ) XXXXXXXX XXXX XXXX {$980.00} 4 ) XXXX XXXX XXXX   {$1500.00} 5 ) XXXX XXXX XXXX {$13000.00} 6 ) XXXX XXXX XXXX XXXXXXXX {$3500.00} 7 ) XXXX XXXX XXXX XXXXXXXX {$1900.00} 8 ) XXXX XXXX XXXX {$380.00} All of the above accounts has not been accurately verified. and should be deleted or removed from my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have been repeatedly contacted by PNC Bank regarding a payment that I allegedly owe them. I have never had an account with PNC Bank, nor have I even been to any of its branches. I've never used PNC or any of their financial services. Yet, they keep terrorizing me. Every time I received a call from them, I called them back, taking the time to alert them to the fact they have a wrong number on file and kindly requesting that they change it. I went through this process a handful of times - to no avail. Finally, yesterday, I was called by their collections department as I was getting ready for bed. Having a collections agent call you is never pleasant, but considering the above, the incident was outright insulting and heavily frustrating. I have demanded that they cease the phone calls immediately, but seeing how my previous requests had been thoroughly ignored, I see no choice but to report them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK
State: PA

Complaint narrative:
I do not know the amount offhand, but it's about a thousand dollars. 

I initially told the company around last XXXX that I could not pay because I had a XXXX, was in a divorce, and lost my job. They said they would stop late fees and I told them to contact me in 2 weeks. They called at least twice before then.

About 3 weeks ago, when my house was foreclosed on, I got another call from them. I explained I was going literally homeless, with no income, and they offered to put a hold on my account ( sound familiar? ). They said or agreed they would freeze my account and not call me for 2 months, giving me time to get situated. Today, they said my account is in collections, not frozen, and had no answer as to why, when I was told it would be put on a freeze. 

I've since received at least 3 calls last week, 2 calls the week before, and one today. They told me last week they would freeze my account, and that they never call more than once a week. I missed a call today and called them back, getting pretty firm with them. 

They told me they " can not honor requests not to call certain days or times '', which it's my understanding the law requires them to honor ( eg for work ). I go to school and it's getting me in trouble, because I have to answer because my grandmother has XXXX. I address this, they say " well it's outside of our technology to limit call times ''. 

I've also not received written notice because I'm, you know, homeless. I'm living off FAFSA, renting a room I can't even use as an address for food stamps or to register my dog. They threatened to have an attorney contact me anyhow, I said " let them, they can't send any certified documents when I'm homeless ''. She continues to express how I have an agreed debt, and if I recall correctly she insinuated something about garnished wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted Nelnet who informed me that the information they reported in a XXXX   balance and paid in full. XXXX  is reporting false information. This information is being reported and adverse information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: VT

Complaint narrative:
I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Experian is reporting false information. This information is being reported and adverse information 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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting 4 student loans reporting from XX/XX/17 on my report as in Bankruptcy. This information incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Transunion is reporting false information. This information is being reported and adverse information 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 explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
I applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have a mortgage with my ex-spouse in another state. Several months ago the statements started coming to my new address not forwarded but with the new address even thought they were not changed by me or the primary. The primary tried to get the address changed back to the property address however twice they failed to do so. 
I called to try to do it and was told that because I didn't know the password they were unable to give me anything about the loan. I did not place a password on the loan however I am still on the loan under my married name and if something happened I would be responsible for the balance. Since the primary is not getting statements he is at this point late on his payment which is affecting me and my credit however they are unwilling to do anything to assist me. They were unauthorized to change the address and did not do their proper due diligence as there is no mail under my married name that actually goes to my new address. 
Not only do I have concerns that this may affect my credit but I feel this practice could lead to identity theft in that they wont assist me and changed the address without written or verbal consent to do so. This appears to be a basic lack of Know your Customer Regulation practice. There was no address change confirmation sent to the XXXX XXXX  address nor as I am aware to the XXXX address. 
I have only requested that they update the address back to the property address. The property address is clearly listed on the statement as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I divorced I changed my name back to my maiden name and moved. The address that the statement got changed to was XXXX XXXX XXXX XXXX, XXXX XXXX. This is a very drastic change. When I settled in XXXX I settled under my maiden name XXXX XXXX. No XXXX XXXX or XXXX XXXX have ever established residence in XXXX or credit for that matter.This can be easily verified with XXXX  or XXXX systems or even a credit bureau soft pull. They did not attempt any of these in making and address determination and wont allow me access to my own loan to update or even inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation