vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my previous Complaint # XXXX On XX/XX/XXXX I submitted a disputed with Experian explaining to them that according to my personal bank statements that I clearly show I was NEVER late with XXXX XXXX XXXX on the following dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have also reached to XXXX XXXX and did not recieve any response. 

Also XX/XX/25 I submitted a disputed with Experian explaining to them that they are ruining my credit worthiness by reporting untrue loans, from XXXX XXXX Loans as 3 different loans on 3 different places on my report. THIS NOT TRUE and is unfair. The accounts have 3 different open dates and some have OPEN DATE 1 ) .XX/XX/XXXX 2. ) XX/XX/XXXX 3 ) .XX/XX/XXXX with all 3 having the same account number. Also all 3 are reporting CLOSED and CHARGED OFF with a BALANCE of XXXX or XXXX and a MONTHLY PAYMENT AMOUNT! tThey have been allowing them to fluexate the amount to increase a XXXX then decrease. Its insane!!! This shouldve been deleted long AGO! How is this ok? Payment status show current and account status shows closed!!!! I have contacted with no proof and it resulted in the other bureaus deletions.I have begged for methods of verification its been OVER 30 days since I begin to pursue this issue! it has really caused major issues. 

ON XX/XX/XXXX I indicated I DID NOT apply for credit, GIVE ANY WRITTEN OR VERBAL CONCSENT or BAT MY EYE, SEND SMOKE SIGNALS OR ANYTHING ELSE to any of these companies yet they remain on my report.I HAVE NOT APPLIED TO ANYTHING NEW! WHY WOULD I WHEN I HAVE OLD ISSUES STILL PRESENT. I have filed Police reports and placed fraud Alerts to have them removed YET they are still on my report ALONG with new inquires! This is very troubling as I am trying desperately to get my life on track. Please assist me in getting these things addressed properly.

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 2018-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.

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 2018-06-23 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: Kinum, Inc., Indianapolis, IN Branch
State: CT

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX XXXX which I accidentally overdrafted in XX/XX/XXXX ( used checks from the wrong account ). The account went into collections with Kinum , Inc. out of XXXX XXXX, Virginia. Kinum reported the amount ( {$2600.00} ) consistently on my credit report through XX/XX/XXXX. On, XX/XX/XXXX, the full amount was withdrawn from my personal account paid to Kinum directly via ACH ( Auth # XXXX ) with promise from them that they would notify the credit bureaus and also XXXX XXXX that the debt had been paid. Since that time, they have stopped reporting to the credit bureaus ( nothing since XX/XX/XXXX ) altogether and my credit report still shows an open account with unpaid balance, but have also never reported the payment to XXXX XXXX via letter or email as they stated would happen. Additionally, XXXX XXXX still has not received the funds. I've called Kinum multiple times and their excuse changes each time. I've notified XXXX XXXX, but they can't do anything about it as it is in the hands of Kinum. At this point, it is clear Kinum has perpetrated a fraud and is holding the funds without consequence. 

Kinum, Inc : ( XXXX ) XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Someone keeps trying to apply for credit cards in my name. XXXX card was applied for again yesterday while I was at work! This has happened several times and Ive already reported it but Im not sure if the other inquiries got taken off either. I have been building my credit score back up and this keeps pulling it down. I have not applied for a credit card at all.

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 2018-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: PA

Complaint narrative:
I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never heard of this company until they filed a debt in the amount of {$1400.00} on my credit reports. This company has listed a XXXX XXXX XXXX as the original creditor. Again a company I have never heard of or had any contract or business with. I requested validation of debt via credit bureau dispute on XX/XX/2018 when I first learned of this account reporting on my credit report. This company returned the results on XX/XX/2018 as " accurate '' still with no verification. I do not have or never had any debt with this company or a XXXX XXXX XXXX. I have never received a phone call or any written correspondence from either company. I have sent a request via certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of alleged debts including amounts and for what product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. 


i'd be done. She promised to call me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We purchased an XXXX laptop on XXXX using our Chase Bank XXXX XXXX on XX/XX/XXXX It felt a bit flimsy with a plastic chassis underneath, but worked quite well UNTIL just before XXXX XXXX. She turned it on one evening to find rows of vertical black lines running down the left side of the screen. Because we were abroad ( XXXX ) without internet at her mom 's house, I was neither able to access my XXXX XXXX account to find out exactly when we had received the computer nor access XXXX 's website to see if we could somehow contact tech support while in XXXX XXXX. I thought we were well within the 1-year warranty period, so I decided to contact XXXX as soon as we got home on XX/XX/XXXX. 

When I checked my XXXX orders I found, sure enough, that I had purchased the laptop in XX/XX/XXXX and it was delivered XX/XX/XXXX. Just my luck, only 20 days out of warranty, I hoped XXXX would be customer-friendly and stand behind their product even though I was unable to contact them within the warranty period due to extenuating circumstances. 

I called XXXX first thing Monday morning ( XX/XX/XXXX ) and pleaded for compassion from the customer service rep ( XXXX ). He sounded somewhat sympathetic, telling me that he asked his supervisor for an exception to policy which was denied. He told me that I would have to pay {$220.00} to have the cheap screen of a {$350.00} computer repaired, a screen that had failed well within the warranty period. I told him " thanks, but no thanks '' and that XXXX had lost a customer, a customer that could have been a lifetime XXXX user had they treated me with compassion and professionalism, standing behind their faulty product because it would have been the right thing to do. 

I filed a claim with Chase XXXX 's extended warranty program : CARD BENEFIT SERVICES XXXX. XXXX XXXX, XXXX, TN XXXX XXXX on XX/XX/XXXX, but it was originally denied. After threatening to contact Chase ( which I did - they referred me back to Card Benefit Services ) and file complaints with you and others, they finally agreed to pay the claim on XX/XX/XXXX in the amount of {$180.00}, but I had to call within 48 hours to arrange payment ( I have their approval letter and a recording of the phone conversation ). They were unable to refund the amount to my debit card due to internal errors, so they said they would send a check for {$180.00} within 10 days. 

When the check did not arrive in the allotted time, I sent them emails on XX/XX/XXXX and XX/XX/XXXX, asking them to pay the claim as they had promised to do or I would file the complaints. It is nearly 2 months after the claim was approved and I have not received the check and they have ignored my emails. The claim status is noted as " Paid '' on their website where I filed the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Here 's my complaint : I've tried on multiple occasions to apply payments to specific portions of my loan ( either principle or interest ) with Navient. Navient fails to honor those allocations. Likewise, their " communication '' is almost non-existent. As well, I believe I'm being charged interest increases on sporadic occasions ( seems variable ) as opposed to a truly capitalized accrual. I can't prove any of this because Navient doesn't have a way of viewing or being notified of account changes. Likewise, their on line accounts don't show the actual allocation or payments to principle and interest or reductions to principle and/or interest after payments. It's all very opaque. 

I had {$230.00} of unpaid interest on XX/XX/XXXX for my 1 consolidated loan with Navient. I made an interest only " directed over-payment '' on XX/XX/XXXX of {$33.00} ( to test their allocation method ). I expected to see {$200.00} of paid interest after the payment posted. The payment posted on XX/XX/XXXX and my interest balance was {$200.00}. Where did the {$2.00} go? Or was {$2.00} suddenly added to my account? My loan interest is not variable. If it was there would be thousands of dollars of interest. And daily, variable interest is not part of my loan terms. Did Navient steal {$2.00} from me? Did they apply it to principle without asking and even though I selected, apply overpayment to " loan with highest interest '' ( see pic ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: PA

Complaint narrative:
To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: IL

Complaint narrative:
I have tried on several occasions to get several fraudulent accounts on my credit report removed. In XX/XX/2018, I submitted a letter alleging fraud, along with an official police report detailing this identity theft. I also reached out to the companies who own these accounts. Despite my evidence, and the fact that this same information was provided to XXXX and XXXX which resulted in a fraud alert being placed on my account and the accounts removed, Equifax has refused. My credit report still does not have a fraud alert on it, is still subjected to damaging reporting and the accounts are still present. This is hindering me from moving forward with repairing my credit. It is also in direct violation of my rights : " FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.

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 monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rhode Island Housing and Mortgage Finance Corporation
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX holds our mortgage. XXXX XXXX XXXX ( XXXX ) services our mortgage. We have never been late on a mortgage payment. Previously, our mortgage was serviced by XXXX XXXXXXXX XXXX. In late XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX, was created to service mortgages for XXXX XXXXXXXX XXXX XXXX. Subsequently, our mortgage was transferred over to XXXX   XXXX XXXX in XX/XX/XXXX. 

We have a mailing address that is different from the address of our home, which we have the mortgage on. XXXX XXXXXXXX XXXX had both our mailing and home addresses and communicated this information along with a property tax bill to XXXX during the transfer. We have supporting documentation and a letter from XXXX XXXXXXXX XXXX regarding this fact. XXXX XXXXXXXX XXXX   never failed to pay our property taxes during their servicing of our mortgage. 

XXXX failed to pay our property taxes for 1 year and 3 months. In XX/XX/XXXX XXXX sent our property tax payment to the town associated with our mailing address. The town returned the payment to XXXX XXXXXXXX XXXX because the payment did not apply to a property in that town. XXXX never attempted to research why the payment was returned. We were never contact my XXXX XXXX XXXX in regards to their in ability to apply the escrow funds we were paying to our property taxes. 

When filing our XXXX tax returns we then realized that our property taxes had not been paid in over a year. In XX/XX/XXXX we contacted XXXX to find out why our property taxes had not been paid. It was then that we realized that they believed that our mailing address was also our home address. We asked that they submit payment to the correct town ASAP and we were told that they would update their records and submit payment. We contacted our town on XX/XX/XXXX to see if payment had been received and it had not. We contacted XXXX again on XX/XX/XXXX to ask them again to pay our property taxes. We were only able to leave a message with their escrow department. We then contact XXXX XXXXXXXX XXXX XXXX ( XXXX ) to ask for their assistance. An associate at XXXX contacted the XXXX escrow department and our property taxes were finally paid on XX/XX/XXXX. At this point they were in arrears by 5 quarterly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). The late payment of our property taxes resulted in {$200.00} in liens and fees. XXXX paid the liens and fees with money from our escrow account. 

As the servicer of our escrow account they are required by federal law to make our property tax payments. XXXX failed to pay our property taxes for over a year and is liable for any liens and fees incurred due to their negligence. 

We would like the {$200.00} in liens and fees returned to our escrow account. While this may seem like a small amount of money it is significant enough to us and is money that we are unjustly being held liable for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I called three time during the month of XXXX which is recorded by Ditech mortgage company to move money from unused funds over to the actual mortgage payment. After the first call the problem seemed resolved online only to find two days later the solution was reversed online. 

Secondly, i submitted payment online on time for. XX/XX/XXXX payment which was stated as received. I then get a letter from Ditech on XX/XX/XXXX saying that the payment was returned for some reason they did not disclose. The letter stated that if I paid as soon as I got the letter that there would be no late fees. Now there is a late fee on my account dated XX/XX/XXXX online in the amount of {$560.00}. This is a serious issue because of the time of the initial payment I have {$5000.00} in my account ; the only account I have used to pay my mortgage. 

His has happened in the past and was hard to prove that they move money around to create a late payment of {$560.00} when in fact the payment is not late.

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