vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my  XXXX  account. My account is reporting unknown payment status for   XXXX   XXXX    . I 've been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my amazon account. My account is reporting unknown payment status for  XXXX     2017. I 've  been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Sent mortgage payment due on  XXXX   XXXX ,  2016  in  XXXX   2016 , received by Bank of Ameri ca ( BAC ),   XXXX   XXXX ,   XXXX  . Between time payment sent and due date Bank of America raised payment amount due because of increase in escrow. Difference sent and received by  BAC   XXXX   XXXX ,  2016 . Payments due by  XXXX   XXXX  to avoid late fee. BAC did not credit account with difference until after late fee due date so that they could charge late fee of {$69.00}. I have contacted BAC regarding this and have received no response.

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Card for  many years ( perhaps u p to 9 ), ma king on-time payments and always keeping a healthy debt to balance ratio on the card. In the aftermath of the recession, I recall making payment arrangements with them while not using anymore credit. They refused to work with me and simply closed my account and turned it over for collections.     I tried to work in good faith with them, but they were not interested in that. There is no record I can find that even shows that I missed payments with them. I believe this was abuse by a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: IL

Complaint narrative:
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in  court.

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 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My loan was recently sold to another co mpany ( LoanCare ) an d I was surprised to learn they are bumping up my loan by about $  XXXX /month.   They are telling me they have the right to charge a 6 % cushion to cover taxes and insurance. My taxes and insurance have gone up and I realize I need to pay that. How do they have the right to charge an ADDITIONAL 6 % cushion on top of that increase?   I have several home loans and this is the only company that does this. They know what my insurance and taxes are ( at least the the other companies I deal with seem to ) I have been trying for several weeks to get them to let me escrow it myself which I was told by them over the phone would not be a problem. However, they are not responding and are charging me late fees for not paying the ADDITIONAL monies they want.      XXXX   XXXX   XXXX , TX

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 2017-05-26 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: WA

Complaint narrative:
On  XXXX   XXXX ,    2017, I had a nam e change. I notified all  XXXX  credit bureau 's and supplied all legal documentation, court order, social security statement, drivers license, etc.  XXXX  and   XXXX   have updated my report. TRANSUNION STILL HAS NOT PROPERLY UPDATED MY NAME CHANGE, IN FACT THEY CHANGED TO SOME FALSE NAME THAT DOES N'T EXIST, USING "  XXXX  '' INSTEAD OF "  XXXX  '' AS MY FIRST NAME. AND THEY ARE STILL KEEPING MY OLD NAME On the report. I have sent them numerous letters, telephone calls, uploaded documents and more recently had them sign for certified mail, DATED  XXXX   XXXX , ATTACHED, for all the documents they needed, including birth certificate. TRANSUNION  CONSUMER  RELATIONS AT THIS ADDRESS :  XXXX   XXXX   XXXX ,  XXXX , PA  XXXX  just mailed me an " updated '' credit report dated  XXXX   XXXX ,    2017 and said they have updated the information, BUT THEY DID N'T, they did nothing, except now hav e an incorrect name on my credit report along with my  old one. I hav e talked to these people on the phone, but they are all over in  XXXX  O R SOMEPLACE and tell you they will fix things but they do nothing - NOTHING! They are not properly trained and knowing they have access to all your credit information is somewhat FRIGHTENING to be honest. One person told me he was not allowed to change name and a SUPERVISOR WOULD DO IT, SO HE TRANSFERRED ME TO THE SUPERVISOR  AND HE SAID HE UPDATED IT CORRECTLY, BUT HE DID N'T, AND THAT WAS BACK IN  XXXX . This is ridiculous and they are holding up my purchase of a home. THEY ARE INCOMPETENT AND SHOULD NOT BE ALLOWED TO CONTINUE TO MISHANDLE PRIVATE INFORMATION AND CREATE FALSE NAMES.

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 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received an email from  studentloans.gov. o n   XXXX   XXXX    2017 advi sing as follows ; Excerpts from email below ; " Dear  XXXX ,  The  Department of Education has approved your claim for forgiveness of your federal student loans under the borrower defense to repayment rule  , 34 C.F.R.
685.206 ( c ). "   ... ...     " The Department will notify your loan servicer of the approved forgiveness, and the forgiveness should be completed within the ne xt 60-120 days. Your servicer will send you more details about the forgiveness, including which l  oans have been forgiven. '' The period " 60-120  days '' has passed and I have yet to hear from Navient - the servicer. I contacted Navient  XXXX   XXXX ,    2017 and s poke with a representative and they had no information regarding the email I received. I had called the the phone number -  XXXX  - given the email and confirmed that the email was legitimate. I also sent a copy of said email to  FSAoperations@ed.gov  for further action or clarification and received an acknowledgement of receipt and nothing further so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: VA

Complaint narrative:
Ste
p 2 : What type of problem are you having? Deletion of bankruptcy with Transunion Step 3 : What happened? I spoke with a lady in the special handling department at transunion and I asked her how she got the information about a bankruptcy with my name under it. She told me that they have a 3rd party that looks into these things and places them on your credit I sai  d how did you get my social security number. She told me that the courts gave it to the company (   XXXX   ). I called the courts ( spoke to a lady named  XXXX  ) and she said we do not and can not give out someones full social security number. When I told transunion that, she told me well what do you want me to do about that? I told her take it off my credit report and she told me no and gave me consumer financials information if I had a problem Step 4 : What co  mpany is this complaint about? transunion Step 5 : W
ho are the people involved?
Myse  lf  (   XXXX   XXXX  ) and Transunion

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 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
<P/>
I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
<P/>
At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
<P/>
I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
<P/>
I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   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 2017-05-26 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: IL

Complaint narrative:
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: IL

Complaint narrative:
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I h  ave had a Sears credit card for many, many years.
Sears replaced my revolving credit card with a Mastercard account.
I do not use the card, but keep it for emergencies -- auto repair, appliance replacement, other services provided through Sears.
Without notice, because I have n't used the card, Sears reduced the amount of my available credit.
When I called, "   XXXX   '' said that I should have used the card in order to keep the amount of my available credit.
WHAT? They are bullying me into using their card!
Further, they told me that it is their policy to reduce the amount of credit available because I have n't used the card.

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
JC Penny lowered my credit line based on incorrect data on the Credit Report. I have a prior case opened and it is still pending. Yet this action in my opinion a SCAM because it places me at my credit limit further impacting my already wrong low credit score. My credit score   XXXX !!!!! and they do NOT tell me where they got the information even though they allude it is noted. You find it! I might  XXXX  they offered me the credit even while I had an extremely low score- bait me in them clobber me! SEE PRIOR COMPLAINTS SYNCHRONY BANK- who advised me they already corrected the errors and credited me back money. I now have to be continually exposed to ineffective credit reporting further impacting my financial ability. It has cost us significantly in declined loans and usurious rates. Personal opinion a scheme to indenture people financially! They can take your money instantly from your bank account but they can not correct your credit- it tak es 60  to 90 days. Furthermore I have a security freeze on all  XXXX  they can not find. That was my last report so how did this company gain access???????

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