vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX, I'm a XXXX yr. old single mom of XXXX boys ages XXXX and XXXX, I was married 10 years and just went through a two year divorce that ended XX/XX/XXXX with him being found guilty for XXXX and so now after staying home 8 years I've gone back to school and got a GED, also license to XXXX XXXX in hopes to be able to support my kids alone, both my parents have passed and I don't have any close relatives that can help. 

I only have a short time from my ex to refinance my home and I haven't had much luck with my mortgage company fixing a mistake they made that has effected my credit score and may keep me from refinancing my home, I went into Wells Fargo and made some payments in XX/XX/XXXX and XX/XX/XXXX there were two in paticulatr that I had to call and have fixed, they applied my payments to the principal and what I ask them to do was pay it up two or three payments, I did this because with the divorce I knew I may forget to make the house payment on time but instead it caused me to fall several payments behind and I have reached out to Wells Fargo and not had any luck in getting them to currect the mistake, also if I could get them to just look at the notes im sure they would see where I called and had it fixed over the phone, I have the hardest time finding someone there to cummucate with and ever sent a email to them, I talk to a girl on the phone and she was very rude saying she didn't see where that happen and needed exact dates, I told her if she looked at payment history any payments that went to principal were the ones wrong, Ive always just tried to pay it up several months to help with money and the payment history will show that it was common for me to do that, I usually take my tax money and pay it up three months or more every year. 

I just received a letter from them today and it says they credited my account {$21.00} and have reversed the late fees and interest but this isn't helping the incorrect negative impact on my credit report and I could really use help fixing it, I sent the credit reporting people a letter and tried to get it fixed but no luck, I'll attach the letter and account number from Wells Fargo and I apreciate and help I can get with this so maybe my kids and I can keep our home.

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 2018-06-17 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: LA

Complaint narrative:
The reason I am requesting an investigation by your agency is due to TransUnion customer service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.XXXX XXXX XXXX 7 . 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 2018-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited around usd 1500 at atm location XXXX on XX/XX/2018 at XXXX in XXXX , Ohio - aid:XXXX ( deposit exception record ). XXXX XXXX or its employee took this money and is not giving me this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.

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 2018-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OR

Complaint narrative:
XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here .... 

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 2018-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I received a letter from the Simon 's Agency regarding a debt that had previously been satisfied with the hospital network. When I received the letter, I first called XXXX and they stated that they could see that the service from this date had been paid and that they would send it to the case manager to have it investigated. 
I then reached out to the Simon 's Agency , Inc. and explained the situation and requested that they put my confirmation of payment ( I had the number to provide them with ) in my file for reference and they told me that they didn't want it and that unless XXXX told them otherwise, they were going to continue to collect. 
I sent the Simon 's Agency a hand written dispute in the mail. I provided my payment confirmation number and requested that the matter be investigated. 
On XX/XX/XXXX, I received a call from XXXX, my case manager at XXXX ( XXXX XXXX XXXX ) .She stated that I was sent to collections in error and that the matter would be resolved that day. 
Yesterday, I received the attached letter from the Simon 's Agency allegedly " verifying my debt ''. Please find my Bank statement with proof of payment, verification letter, and confirmation number from the date this payment was made. 
This is literally the 3rd time that the XXXX XXXX XXXX has sent my file to a debt collection agency in error and it is exhausting. My health has been very poor recently and I have already spent a great amount of time proving that I do not owe this claimed debt. It is clear that the Simon 's Agency has no interest in researching the validity of the debts that they are attempting to collect on, as sufficient proof was made available to them. I have excellent credit and do not want their in-compliant practices to have a negative impact on me and my family. 
Thank you so much for your assistance in this matter. 
Best Wishes, 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 2018-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: FL

Complaint narrative:
Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.

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 2018-06-17 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: LA

Complaint narrative:
The reason I am requesting an investigation by your agency is due to TransUnion Consumer Service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.

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 2018-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Since I had graduated from XXXX University XXXX to get XXXX Degree and then went to University XXXX XXXX to get XXXX Degrree in XXXX. 
I have a issue with my Navient loans interest accruing daily and I don't have a job to pay the interest but looking for a job, have been applying and mostly no calls back. I have 18 types of loans with Navient and each loans have different interest percentage and I have apply for the Income Driven Repayment Plan and I pay {$0.00} for Principal, but the interest is keep growing everyday about {$8.00} a day and if you multiply for 31 days, that means interest grow about {$250.00} or more dollars a month on my Navient account and I don't really have the money for the interest and plus that would put me in debt even more. The Loan Education Department should only let interest rate grow when borrowers have a job and pay for it. Interest should not when they don't have a have job. The interest rate should also be {$0.00} a month until I find a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am an AMEX platinum card holder and I booked a package vacation for flight and hotel to XXXX XXXX. Arriving XX/XX/XXXX returning XX/XX/XXXX. Hotel : XXXX. Flight : XXXX XXXX XXXX. Prior to booking I called amex travel to confirm perks of booking at one of their Fine Hotels and Resorts ( XXXX ) and I was told that we would get : Noon check-in, when Available Room upgrade upon arrival, when available Daily breakfast for two people : {$30.00} per person, per day valid at several XXXX Restaurants In room wi-fi Guaranteed XXXX late check out {$100.00} property credit to be used during stay for spa or dining I called the XXXX to confirm these benefits but was told I did not qualify for these benefits because the reservation that I made thru AMEX travel was booked thru a 3rd party ( XXXX ). I explained to the rep that I did not book anything with XXXX and that it was booked thru AMEX but she rudely told me that I would have to call AMEX.

I then called AMEX and their statement was that because I booked a package deal the perks would not be honored. I don't feel that this is fair because it was not explained to me prior to booking. I also could not find any statement on their website that explained this. I feel that this is very misleading because these benefits are boldly listed on their amex travel website. We are paying {$720.00} annual fee to have this card for the benefits but we feel that we have been mislead and the representative should have thoroughly explained these details. It should also be boldly stated on their site that you loose these benefits if package ( hotel & flight ) is booked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Involves online purchase of tickets to a concert. Purchase made on XX/XX/XXXX for {$250.00} from ticketstoday, com for XXXX XXXX and XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX I checked the website and noted the concert had dropped XXXX XXXX. The ticketstoday website said it was no longer selling tickets and could not be reached - all ticket sales were now through the XXXX XXXX ticket office. Their ticket office declined to discuss a sale they did not make. 
I called the credit card issuer BBVA Compass Bank to open a dispute on XX/XX/XXXX but was told the bank 's policy was not to allow disputes later than 60 days after a transaction posts. I told them this violates Federal law since that law allows disputes for 60 days after a transaction appears on a statement which in this case was XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17 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: DISCOVER BANK
State: KS

Complaint narrative:
This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I requested validation of CHASE mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sherloq Group, Inc
State: MO

Complaint narrative:
This company keeps reopening accounts in my name. XXXXXXXX XXXX XXXX, XXXX, simply referred to as XXXX XXXX XXXX, is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ]  As of 2017, XXXX XXXX XXXX services more than 7 million cardholders across the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested validation of XXXX mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit

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