vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: AZ

Complaint narrative:
My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: OK

Complaint narrative:
got a letter from XXXX XXXX ( see attached 1 ) that a transfer to the PNC Bank needed to be addressed. I then contacted the PNC Bank in XXXX tx and received a response detailing that the funds were to large to make a direct deposit ( attached 2 ) As I did n't have the XXXX asked for to start this I was told they could work out an arrangement for 10 % of the total XXXX XXXX. ( attached 3 ) then they decided that it could only be don on direct deposit, which they tod me at the beginning was illegal, and when I question the legality of this I just ge the same response ( attached 4 ). Any questions just gets the same respnse. send {$780.00} to start and agree to a fee of 10 % of the total XXXX XXXX and it will be direct deposited, which they said was not legal. I do n't know if this whole hing is a scam or what the deal is but I can get no other answer from them or from XXXX XXXX at the XXXX who first contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
WIthout notice or reason USAA closed my checking account. Prior to this they restricted my online account access preventing me from transferring money or using the bill pay service. However a rep went through the charges on my account to verify over the phone. As my online account access was frozen in XX/XX/XXXX   , preventing me from using the bill pay or electronic transfer services provided with the account. I requested further information regarding an ACH Debit on  XX/XX/XXXX     as it had no identifying information, and it would have been impossible for me to initiate the transaction electronically. The ACH was for {$4000.00}. To date I have not received any information regarding this ACH debit.  <P/> Additionally, USAA charged me an {$8.00} fee to send me a check to provide the funds which were held in the account for months. As they closed they account they should have provided my funds without a service fee and as soon as the account access was restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I reached out to both   XXXX   and   XXXX   to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    <P/> The following are inquiries from  XXXX  that are not authorized by me :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-07-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: GA

Complaint narrative:
T rans Union  did not adequately respond the to complaint referenced below. The complaint should remain open pending a thorough reinvestigation and proper adjudication.  <P/>  Trans Union  continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )  XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )  XXXX   XXXX    XXXX   VA  XXXX   XXXX    XXXX    XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.  Trans Union  continues to list the dismissed bankruptcy on my credit file.  Trans Union ' s policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated fo r ten ye ars. However, the Fair Credit Reporting Act mentions nothing in  Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or d ate of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed  may  never have actually been adjudicated. Therefore,  Trans Union  has no right to maintain information which the government has deemed nonexistent. Pursua nt to Section 1681 ( a )   ( 5 ) o f the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within  14 calen dar days from receipt of this letter.

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AL

Complaint narrative:
A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   XX/XX/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 2017-07-14 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied Chase XXXX credit card on XX/XX/XXXX at XXXX website. At that moment, I saw the XXXX Ads that they 're offering 40,000 points after {$2000.00} purchase in 3 months ; {$50.00} statement credit after the 1st purchase ; 5000 points for adding authorized user. As a result, I clicked the ads and went through the application process. The card has been successfully approved and mailed to me. However, when I called Chase to verify my offer, I was told that my offer has been changed to be '2 Free nights ' instead of the original '40,000 points '. I sent secure msg via my chase online banking and escalated it to senior leaders. However, after 10 days back and forth, Chase insisted that my offer was 2 free nights but not 40k points. Here I attach my screenshot at the moment i applied the credit card. And even now, both XXXX and chase web still post the ads of 40k points. Chase is cheating customers by posting attractive ads but offering a different offer indeed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.

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 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC System is reporting on my credit reports an amount of {$510.00} they have refused to provide documentation of validation and/or verification of this amount following two written requests.

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 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource  Receivables MG has failed to respond to multiple requests for validation on the amount they are reporting on my  XXXX  report of {$120.00}. I have attached the most recent requests to this complaint. They have failed to provide me the information requested to validate and/or verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: TX

Complaint narrative:
have told them that I will pay once I receive the money from the buyer to settle this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE
State: KY

Complaint narrative:
This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX  balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
have told them that I will pay once I receive the money from the buyer to settle this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief