vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have a private student loan through Sallie Mae. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. 

Last semester, Sallie Mae distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily Sallie Mae, but I believe Sallie Mae should hold the school accountable for making sure students get their money in a timely manner. 

I called Sallie Mae on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester.

Sallie Mae disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XX/XX/XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to Sallie Mae they are of absolutely no help, and I believe that Sallie Mae doesn't care at all that the school is taking advantage of us. 

I believe that Sallie Mae should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. Please, please help me with this situation as I have no idea what else to do. Thank you very much for your time and help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
In the past month, I've been receiving phone calls on my cell phone from various phone numbers, all starting with XXXX. So far, there is XXXX ; XXXX ; XXXX ; XXXX ; XXXX. All starting with XXXX area code. I took one of the calls and individual addressed me by my maiden name, which I haven't used in 25 years. He insisted on me giving him information, though when I asked him from what company he would not tell me, only that it was regarding an outstanding debt. I told him I have no outstanding debt & that I have excellent credit, always have. I ended up hanging up on him since he was really pushing for me to provide information. I would not! The calls have not stopped. I looked up the phone number and the company name is Diversified Consultants , Inc . There are many negative reviews on this company stating they are scams and DO NOT provide any information. They do, however, manage to ruin credit for people. This is my great concern. As of last week, I ran my credit report and it is still excellent and no debt appearing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 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: CA

Complaint narrative:
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CA

Complaint narrative:
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.

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 2018-02-15 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 — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
There were three unauthorized transactions from XXXX, each at {$100.00}. This occurred XX/XX/2018. I filed a complaint and have not received any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: AR

Complaint narrative:
I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account. 
XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Peoples United Bank is harassing us by applying mortgage payments late, making multiple suspicious debits and credits that offset each other, and reporting false interest information to the Internal Revenue Service. Peoples United reported to the IRS less interest paid than was actually paid on a XXXX for XX/XX/XXXX. A separate complaint has been filed with the IRS regarding filing the false XXXX. 

Peoples United Bank did not apply a {$450.00} extra principal payment when it was taken out of my checking account on XX/XX/XXXX. Instead it logged a {$450.00} payment on XX/XX/XXXX, then logged a debit for {$450.00} on XX/XX/XXXX, and 15 days later logged the payment for {$450.00} on XX/XX/XXXX. It also failed to process several written requests to increase the extra principal payment from {$1800.00} per month to {$2200.00} per month on the XX/XX/XXXX of each month. As a result the extra principal payment was applied 3 days late, and then applied 13 more days late. When we requested help the customer service representative, XXXX, told us we completed the form incorrectly and harassed my wife about completing the form correctly. She was extremely rude and inconsiderate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello im not sure if I chose the correct category that gives insight on my issue. Im having issues with XXXX XXXX. I tried disputing the company because I'm not quite sure what loan this debit collectors is working with, and when i tried calling a year or two ago the customer service representative was rude and nasty so the call ended before information was ended. I have not received any mail stating what, when and how this loan came about. The account state that it was open in XX/XX/XXXX and i never opened opened an account in XX/XX/XXXX, I'm listed in public records now as of XX/XX/XXXX and i never received notice. I tried disputing this company and that didn't work, the amount owed is $ XXXXon one report. I do have debt from XXXX that im trying to get removed for identity theft the initial amount being {$300.00} and with late fees {$420.00}. I initially thought that these two accounts were the same, But the amount is different. As of XX/XX/XXXX they have listed that i have paid on this account and i never have!! Isn't this fradulent! I tried disputing it again today from credit karma and it's not going through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX. 

Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment. 

After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full. 

About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX. 

I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was. 

The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices. 

I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point. 

So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The reason for my complaint is because this company did not provide all the services that I paid them for. It was XX/XX/2017 I paid XXXX XXXX XXXX {$2500.00} for these services. 

It all started back in XX/XX/2017 I saw an ad on XXXX about opening an online store, I saw this and was encouraged thinking it would help pay the bills since I no longer have been able to hold down a job due to physical problems. I was contacted by several companies but, One of the companies I paid in all this fiasco was XXXX XXXX XXXX the representative who contacted me seemed so genuine at the time and was very compelling, he made it seem so easy and that I could greatly profit from this investment. Even though I expressed not having much knowledge to all this, he persuaded me and agreed to set it all up for me and I would not have to do much. He talked me into opening more credit cards to pay for all this. It didnt take long once they got my money for him to desert me. I didnt realize it then, but I was taken advantage of because I was an easy target, gullible and a XXXX-year-old woman that just coIt alluldnt remember anymore as well as they did. Today I am in serious financial difficulty for trusting this person to the point that I might have to file bankruptcy. Please help me get my money back.

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 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief