vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX : XXXX This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX there was a transfer from KEYBANK to KEYBANK account. I erroneously was charged a {$34.00} overdraft fee when there was no overdraft. My balance was XXXX. Overdraft charge of {$34.00} made my account $ XXXX. 

On XX/XX/XXXX at XXXX I made deposit into account via ATM AT a branch in XXXX NY , which was {$44.00} to bring account to {$10.00} while I disputed the gauging Overdraft. I didnt want to have it negative. 

The deposit did not register I notified branch personnel on site they told me to call 800 and dispute it. I did call and dispute it. 

On XX/XX/XXXX, KEYBANK charge my account a 'recurring overdraft charge ' of {$28.00} while ignoring my complaint and not repairing error that occured on XX/XX/XXXX and at ATM on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I got a XXXX dollar private loan from Sallie mae, a small portion which was federal, to attend XXXX school. The interest for the loan was 14 %, I payed {$600.00} a month for 7 years. I payed back XXXX and still had 10 more years estimated that i pay them {$600.00} a month. I have never made more than 20k in a year but I'm obligated to give them XXXX of that a year and yet the best lowering of payment they ever offered me was paying {$550.00} a month. Now that I've defaulted I can no longer get any record of how much I payed them and I am no longer able to login on my online account. I was XXXX and didnt know better but was told after I asked that I would be able to afford this. This loan was predatory and paying $ 600+ a month for 17 years of my life when I never made more than {$1500.00} dollars in a month is absurd. Their help was to lower my payments by not even a three digit number. I also no longer have access to my account to prove how much I have payed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Western Benefits Group, LLC
State: CA

Complaint narrative:
I set up a consolidation re payment plan through Western Benefits group and come to find out it is a free service from my loan provider XXXX XXXX XXXX. Western Benefits required an upfront payment of two installments of approximately {$300.00} each than {$35.00} a month following those two payments. I signed up in 2015 and have paid approx. {$1800.00} to this fraudulent company with no benefit from it what so ever. Please be advised and call your loan provider. This company is a SCAM!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX  : XXXX  This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Very poor communication and readiness of Ditech Financial LLC in communication with customers in the changes in account structures, new account numbers and customer service. First, in XX/XX/XXXX received the lump sum payment as was practice for both mortgage and insurance and applied the entire amount to principle as opposed to mortgage and insurance payments. This was resolved after finally getting customer service on the phone with extended wait time. XX/XX/XXXX, received notice of new account number for insurance payment and that we would also receive a new account number for mortgage all still with Ditech and to be made separately to different addresses with new account numbers for future payments and notice of Chapter XXXX for Ditech. XX/XX/XXXX, new account numbers not yet provided and informed to still send lump payment and told by customer service they would still separate and the online account services would be unavailable for a few days while upgrades were made. Ditech received the lump sum payment as of XX/XX/XXXX ( due XX/XX/XXXX ) and did not post the mortgage payment as paid until XX/XX/XXXX and still showing on line the insurance payment due which is not correct as all was sent. Email customer service and never get a response other than a letter without resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
PREFERRED COLLECTION & MANAGEMENT is reporting a collection account to all 3 of my credit bureaus that I am not responsible for. In addition, PREFERRED COLLECTION & MANAGEMENT has violated the HIPAA law, by having access to my medical information. According to the HIPAA law a collection agency is only to be provided the following : Name and address, Date of birth, Social Security number, Payment history, and Account number. 

I have no contract or business dealings with PREFERRED COLLECTION & MANAGEMENT. I have never received any correspondence from PREFERRED COLLECTION & MANAGEMENT stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with PREFERRED COLLECTION & MANAGEMENT for some time. I have requested documentation to include a signed agreement & proof that PREFERRED COLLECTION & MANAGEMENT owns the debt ( along with copies of anyone else who has owned this erroneous debt ). PREFERRED COLLECTION & MANAGEMENT also seem to re-age and change the dates of this erroneous debt to continue to seem to make this a valid debt. 

PREFERRED COLLECTION & MANAGEMENT is in willful non-compliance with the HIPPA & FCRA. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family. PREFERRED COLLECTION & MANAGEMENT even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in PREFERRED COLLECTION & MANAGEMENT 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Comdata Universal Mastercard - BUYER BEWARE!! 

Have been using Comdata Universal Mastercard fuel cards for the last three years in my XXXX XXXX delivery business. For the last 7 weeks they have been adding a high risk transaction fee of {$75.00} per week to my invoice along with a {$22.00} per week fraud protection fee. I call to have it removed which they do, telling me that is a mistake. Each week I have called again and again. 

Now I am very frustrated because they can't fix the recurring problem and it take 20-30 minutes on the phone each week to resolve. Needless to say, I am looking for another fuel card service provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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:
Equifax, XXXX and XXXX  are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on  duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reading information on my report and when equifax tried to verify me they say the information I am providing is incorrect. This is just their way of stalling a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The original complaint was done on XX/XX/2018. Complaint number XXXX. All of the account and the majority of the inquires from the identity theft, have been removed. The only item is the old inquires, that I have requested to me moved months ago and to this date. All of the inquires haven't been removed. 

They are as follows : XXXX XXXX ( inquires ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to purchase a home for month now and still am unable to do so, so to these inquires showing on my credit report and they have hurt my credit score, by lowering the scores. I have asked time and time again and it is beginning to feel as if, they know what is required of them. But, refuse to follow through completely. They are doing just enough to say they addressed the matter, after their investigation was completed and found the complaint valid. But, not enough to completely clear the matter and leave me in a state of limbo.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A checking account was opened at JP Morgan Chase in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bankruptcy was final XX/XX/2018. Chase  Bank Auto Loan was one of the creditors that was in the bankruptcy. The account shows as delinquent, past due in collections. This is not true. It is part of the bankruptcy. I have made three attempts through disputes to Chase and when they updated it, it stills show the same as above, delinquent, past due balance {$XXXX} owed. Now my debt ratio includes {$XXXX} that was written off. I want this taken care of. I contacted them by phone also, they said their records indicated it was part of the bankruptcy but they wouldn't update unless I sent a dispute. I have done so, 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In late XXXX, 2019, we received notification that our home mortgage would be transferred from Shellpoint Mortgage Servicing to XXXX XXXX, effective XX/XX/2019. Our mortgage payment is always due on the first of the month, and the notice advised that with the effective date, we should pay our mortgage to XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX Bank to make our mortgage payment and right before providing our banking information, noticed that Shellpoint had conducted an auto-transfer from our bank account for the XXXX mortgage payment ( on XX/XX/XXXX ; we previously had been set up on an auto-withdrawal with Shellpoint for our monthly mortgage payment ). The customer service rep with XXXX XXXX  advised that Shellpoint would likely transfer the payment to them. Around XX/XX/XXXX, XXXX XXXX contacted me to make me aware they still had not received the mortgage payment. As of XXXXXX/XX/XXXX, Shellpoint still had not transferred our mortgage payment to XXXX XXXX and so I contacted them. The Shellpoint customer service rep acknowledged the mistake and promised to refund the money to our bank account by XX/XX/XXXX. On XX/XX/XXXX, that had not happened, so I contacted Shellpoint for the second time and had trouble getting a straight answer about their plan for rectifying the mistake. Someone was supposed to call me back that day with an answer but they did not. 

Of note, I made the XXXX mortgage payment on XX/XX/XXXX, to XXXX Bank, per the schedule. 

On XX/XX/XXXX, I called ShellPoint for the third time and this customer service rep said they would wire the money to XXXX the very next day ( XX/XX/XXXX ). On the morning of XX/XX/XXXX, I contacted XXXX and confirmed they had not received a transfer of our mortgage payment from Shellpoint and requested a statement of all moneys received. I then contacted Shellpoint for the fourth time and once again, the customer service rep acknowledged the mistake but did not have an answer for me. She said she would fast-track it to her manager and asked me to call back that afternoon. 

I contacted Shellpoint that afternoon ( XX/XX/XXXX ) for the fifth time and experienced the worst customer service of all five calls. The gentleman was rude, talked over me, refused to let me speak to a manager, refused to provide me a date of when they would transfer the money to XXXX and kept telling me they had 60 days to transfer everything. He said a manager would cal me back. 

As of today, XX/XX/XXXX, Shellpoint still has not wired the money to XXXX, nor transferred it back to our bank account, nor have they returned any of my five phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: AES/PHEAA
State: MD

Complaint narrative:
The 3 credit companies are told to report the way or it automatic with me and others. I feel like as soon as I make a payment of {$500.00} or more my credit score does not go up at all but as soon as its a $ XXXX {$50.00} increase to anything on my credit it goes down 20/30 points. 

Then every thing that is in collections is being reported every month which I think is a inside job because the amount does not change but yet it keep being reported and making my credit go down and stay below XXXX. Since Janurary I have been paying my car note every 2 weeks {$500.00} each and once it gets reported it goes up 2 points but like I stated I get a {$20.00} increase in a bill it goes down drastically. I would like someone to open up an investigation on all 3 credit companies regarding my credit because I feel like I am being ripped off by these credit companies. I do not know if its the color of my skin or what but in the last couple of months I have bought my car note down almost {$5000.00} but yet no major increase. 

1 ) My collections are being reported every single month which is not right. 
2 ) I have paid {$5000.00} or more in car note in a couple of months but it has not budged. 
3 ) A account can get a {$20.00} increase and my credit goes down 30+ points 4 ) My school is on my credit and ruining my life even though the department of education has sued the school for fraudulent acts and the Dept of Edu won millions but the school loan is still on my credit. 

XX/XX/XXXX {$20000.00} in unnecessary loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, Navient had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. Navient told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called Navient again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with Navient reporting bogus information to my credit report. Then it takes forever to get it removed. XXXX is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and Sallie Mae and Navient refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX of sonnenschein financial services contacted me regarding a outstanding debt for a traffic violation ( red light ticket ). XXXX XXXX stated I must pay the remainder in full or my credit and or driving record would be affected. I spoke wth representatives of this agency and explained in the past that I would have to make payment installments towards the debt, previous representatives where ok with this I made 2x installments already towards the debt. When XXXX XXXX threatened my credit and driving record I told him thats against FDCPA rules and he stated we ( sonnenschein financial services ) are not bound by that. This seems unlawful and concerning being a consumer especially over a redlight camera ticket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I requested to close my account. However, M & T Bank refused to do so. They claimed that it is an interesting bearing account and they could not close it. I had to physically go to their branch in order to close it. The branch they mentioned was not closed to my address and it was very difficult to find parking spot in that area. I offered to send them any documents for verification but they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief