vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This company has called my daughter at  (   XXXX   )   XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.

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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Company refuses to send me documentation of the alleged debt. I have given them information over the phone to prove this debt is not mine

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 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
ALLY AUTO IS NOT REPORTING TO  XXXX  ONLY! THEY MUST CALL THEIR   XXXX    RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY  XXXX  CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
I have been through the HAMP process and have signed and followed up on several Dodd-Frank documents suggesting that my prompt payment incentive is on its way. It has been 10 months since the completion of the 6-year program. However, when I reach out to my mortgage company about facilitating the incentive my request is dismissed until my mortgage lender receives payment from the government. There is no advice on how to resolve this. I have held up my end of the agreement, but it appears that there is not a way to access my incentive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I applied payment on line to wrong account. Could not transfer payment to correct account. Called four times and was told they would correct it. It was never corrected.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Why was this loan removed from my Credit Report? I contacted the credit bureaus and they said that they did n't have any information on this and that it came from  Wells Fargo to be removed and that I should contact Wells Fargo. Th is was a positive tradeline and I want it re-reported to the  XXXX  bureaus. ACCT  XXXX  Communicate by mail only or via the cfpb.   No phone calls.

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have been a customer o f Citi Bank Credit Cards  since  XXXX . I tried to use a credit card on  X/XX/XXXX  and found that charge did not go through. So, I called the number on a back of the card. The representative said that the card was closed on  X/XX/XXXX . On  X/XX/XXXX , I received letters on all of  my Citi Credit Cards saying that at Citi 's d ecision all of my cards were closed. I called t he Citi Executive Office  at  XXXX . Th e executive rep told me that I have to write a letter to Citi  Bank in order for me to get answers to why my accounts were closed. Since  XXXX , I have never missed payments, never used the cards for illegal activities, etc. So, I am writing to you now to inquire what happened.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.

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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not clear as to why there is a balance for this account and why  XXXX  can not give me a clear explanation for this account.

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 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contac ted Navient regardi ng my private loans &amp; requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs &amp; bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $  XXXX  monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise  of the situation and they still are unwilling to lower the monthly payments. I spoke with a  CSR (   XXXX   )  on Sat  XXXX / XXXX /  XXXX  . She was extremely unhelpful &amp; advised me to call m y CSR (   XXXX   ) since he is the one wo rking on my account. I reached out to  XXXX  on Wed  X/XX/17    to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt.  XXXX  advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year &amp; there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had  XXXX  rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too &amp; avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today &amp; they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until  XXXX  so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my 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 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: MI

Complaint narrative:
After speaking with  XXXX   XXXX  for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company  ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan (  XXXX  ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in  XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I wanted to open a savings account with my bank that i have bank with sine  XXXX  of  XXXX  i was told that i was unable to open an account due to having an {$11.00} charge off. The representative  from Citizens ban k stated he did not who it was due to however could transfer me to a different department who could give me more information. The representative transferred me  XXXX . I spoke to  XXXX  at that number, at first he stated he did not see anything under my name and social security number that was showing being owed/ After i explained what the previous representative had stated to me  XXXX  was able to locate the {$11.00} charge off. He stated it was due to Citizens from an account i had from  XXXX . He stated that it was pasted the statue and that Citizen had given up on trying to collect the balance. I asked  XXXX  as this  14 years old a nd pass statue to collect if i had any other options than to pay it so i could open up a savings account,  XXXX  did not answer my question. I feel i was forced to pay something that was pass statue to collect just so i would opening a savings account. If i had know about this outstanding amount before I would have paid it. I have been banking with Citizens since  XXXX  of  XXXX  and have always had the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I attempted to investigate with Experian online. Since I had become aware of  Section 609 15 USC 1681g of th e Fair Credit Reporting Act and additionally th e MLA of 1973 and UCC section 3-308a, I  requested investigation into some physically unverified derogatory accounts being reported by experian. I was shocked to see their response that they refused to investigate these accounts since a different aspect of the account had been investigated in the past. More shockingly, they cited the same consumer protection act that allows a consumer not to be victimized by a credit reporting agency as being permissive of their actions. Please help with this situation.

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 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
To whom it  may  concern, I have been a Chase customer for about 4 years. I attempted to close my account through the website and it appears it is not possible. I believe it is very important to provide customers various ways to close an account other than visiting a branch location or calling someone online, especially for those protected individuals that can not complete account closure through neither phone or in-person. It appears that the  Chase  website, even within the customer user interface, only attempts to cross-sell more products and not actually assist their customers with an important step of the customer relationship process -- closure.     For the best customer experience, Chase should update their user interface to allow for online account closures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.

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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: OH

Complaint narrative:
Senex services has been paid in full and they refused to remove their derogatory remarks from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Universal Technical Institute
State: TX

Complaint narrative:
I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I have been going through the loan modification  with PHH Mo rtgage and was finally approved in  XXXX   XXXX . I finally received my loan modification  ( trial documents ) i n  XXXX   XXXX . I have made all three required payments as set out in the loan modification paperwork ( please see attached copies of check s ). All ch ecks were sent overnight signature required. I contact ed PHH Mortgage  on several different occasions to confirm receipt of payments and was told that my account was current. I recently spoke with my personal ca se manager on  or about  XXXX   XXXX   XXXX  and he confirmed that my account is in good standing and that all payments had been received. I received a call this morning,  XXXX   XXXX   XXXX  at  XXXX  from my VA representative informing me that he had been contacted on  XXXX   XXXX   XXXX  by PHH Mortgage that my account was delinquent and he wanted to know if I had fallen behind on any payments. I assured him that all payments had been made and in fact I had just recently confirmed this information with my  case manager. This  seems to be an ongoing issue w ith PHH Mo rtgage and their lack of accurate book keeping. This is my third complaint to CFPB regarding this mortgage company and I feel it will not be my last.

Company response to consumer: Closed with explanation