vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX experian charged my husband and I 's debit card without us authorizing. We called them immediately and an experian representative said they would cancel our subscription ( that we did n't make in the first place ). Well today XX/XX/XXXX they have done it again same charge. We are on the phone with them again but have been on hold for over 30 mins now, so annoying. Our bank has put a stop to recurring charges from them for a year.

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 2018-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at  least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!! 
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank. 
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.

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 2018-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # 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 2018-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????

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 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I processed a check online chase.com for {$1200.00} to XXXX XXXX for my aunt 's board and care. On XX/XX/XXXX, I found out that, not only had n't she been there in 3 months, but now it appears she 'll never be returning. I went to online payment activity, but it was too late to cancel the payment [ they send a paper check through the mail ; it usually arrives within 7 days of the date processed ]. So on XX/XX/XXXX, I placed a Stop Payment order. They promptly charged me {$25.00}, which is high but I figured it was better than losing the entire {$1200.00}. Imagine my surprised when they did n't credit my account for the payment in question. But what really angered me was their response to my inquiry : Payee name : XXXX XXXX Payment amount : {$1200.00} Send On date : XX/XX/XXXX Check number : XXXX Date check presented for payment : XX/XX/XXXX We 'd like to clarify that the stop payment placed online is for physical checks only that you issued that 's why the payment was processed. 

Unfortunately, we ca n't reverse this payment or place a stop payment because the payee already processed it. 
Please contact the payee to request a refund or adjustment. 

You can get proof of payment that provides details about any online payment sent by our Online Bill Pay service. If we sent a paper check for the payment, the proof of payment will include a copy of the front and back of the check. 

Here 's how to view proof of payments online using chase.com : 1. Choose " Pay & transfer '' along the top of the page, then " Pay bills. '' - You can also open the side menu, the three horizontal lines in the top-left corner, and select " Pay & transfer, '' then " Pay bills. '' 2. Choose "  Payment activity '' from the menu. 

3. Find the payment you want to see and then choose " See details. '' 4. Choose " Proof of Payment '' to view and print the proof of payment document. 

You ca n't view your proof of payment from the Chase Mobile ( R ) app ( 1 ). 

We value our relationship with you and thank you for choosing Chase. Please contact us anytime you need assistance. 

Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
When checking my credit score it shows my amount increased by {$1300.00}. I contacted Navient to explain to what this increase is for. It seems everytime I am close to paying off my loan they add more to my loan. They can not explain to me what this amount is. Should I not have the right to know what the complete total is. That said is is money I owe to the school but that school is closed, so how do I still owe them money. Sounds very questionable and no one can give me a answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????

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 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????

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 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL  to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am the Court appointed personal representative for my XXXX son. I first contacted American Express in late XX/XX/XXXX/early XX/XX/XXXX to close his " Serve '' card. XX/XX/XXXX I faxed the documents I was told were required. In a letter dated XX/XX/XXXX the Prepaid Resolution Team identified additional documents that were required and I faxed those documents. In a second  letter dated XX/XX/XXXX they identified different and overlapping requirements which were faxed to them. Having heard nothing from them on XX/XX/XXXX I requested a status update. A letter dated XX/XX/XXXX ask for document that had previously been provided. They were faxed again. Having received nothing from the company I sent the requested documents again on XX/XX/XXXX. In a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, that was delivered on XX/XX/XXXX the company states they can not read my fax, require additional documents, and unless thy receive those documents within 10 days they will close the matter. 

On XX/XX/XXXX I again faxed all the requested documents. Because of the claim that the fax was unreadable that same day I via USPS mailed them copies of all the documents. In a letter dated XX/XX/XXXX they asked for the same documents that have been provided multiple time by fax and in hard copy. They provide no customer service contact information only a mailing address and fax number. 

XX/XX/XXXX I called a different portion of American Express hoping they could get me to a human who could assist in resolution. They were able to find an for internal use only phone number ( which they could not release ). The sales rep waited with me literally for over one hour and  nobody answered. The individual had exceeded the time they were allowed to remain on a call and the suggestion was to call again the following day and try again. 

I have a file of the correspondence that I hope to attach to this complaint, along with copies of the documents that have been submitted numerous times, and a fax log showing transmissions to the company. 

It should be noted my son XXXX on XX/XX/XXXX - - American Express continues to charge a monthly fee on his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: SC

Complaint narrative:
I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?

Company response to consumer: Closed with explanation