vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
My step son was seen in the emergency room at XXXX XXXX Hospital ( XXXX XXXX ) on XX/XX/2017. He was covered under his father 's insurance as primary and mine as secondary. Because I'm the one who filled out the paperwork at the ER, they are holding me responsible for this bill ( he's not my son, I did not adopt him, his dad and I were separated at the time ). This is not my bill, however because it kept being sent to me after I tried to correct it with XXXX, I included it with my bankruptcy that I filed in XX/XX/2017 ( maybe XX/XX/XXXX? ). 
I disputed it through XXXX, however the response was : Result : Verified as Accurate and Updated -  it looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
I don't know what that means - but this should not be on my credit report, as it is not mine. It was included in a bankruptcy. Two reasons right there why it should not be on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I walked inside the bank like 3 years ago to open a account and I was denied because of fraud done by some lady open a account with my information and every bank I go to I am denied a account this is unfair because of someone's actions not mine I need this resolved it's been 4 years and I haven't never had a bank account

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 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been employed with a government entity since XX/XX/XXXX. In XX/XX/XXXX, I received notification from XXXX XXXX that 74 qualifying payments, 46 remaining payments, and that my estimated eligibility for loan forgiveness was XX/XX/XXXX. This information was consistent with information I had received up until this point. 

Then, out of the blue, My XXXX sent me a letter dated XX/XX/XXXX, changing my qualifying payments for my XXXX XXXX XXXX XXXX and my XXXX XXXX   XXXX XXXX. Now these XXXX loans had different number of qualifying payments. My XXXX XXXX XXXX XXXX had only 54 qualifying payments, and my XXXX   XXXX XXXX XXXX had 74 qualifying payments. I immediately contact XXXX XXXX for an explanation of the differing qualifying payments. They indicated they would do a recount. Its been over 1 year and the issue is still not resolved. 

The loans are consolidated. There is no reason that the subsidized loan and the unsubsidized loan should have a different number of qualifying payments. 

It is now XX/XX/XXXX. My subsidized loan has 67 qualifying payments. My unsubsidized loan has 87 qualifying payments. My XXXX needs to get this fixed so that it is resolved by XX/XX/XXXX, my date of PSLF forgiveness eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end. 

I need assistance getting this hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since XX/XX/2013 I have had constantly fight with XXXX, XXXX  , & TransUnion to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices

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 2019-02-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Since XX/XX/2013 I have had constantly fight with XXXX, Equifax , & XXXXn to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE
State: FL

Complaint narrative:
Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. 
Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: LA

Complaint narrative:
I have disputed the account on my report several times. The account with USDA rural developement was opened in XXXX. It was repotred to experian as a negative account in XXXX. I initially paid off the account and Experian still won't remove this account. It has exceeded the 7 year time frame and everytime I disupte the account they update the account as my account and move the removal date for the account to come off to a later date. Which the account has been on my report since XXXX and reported as negative on the account since XXXX which is well over the legal law of the 7 years it was to remain on there. I want this negative account removed from my experian credit report please

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 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason. 
My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us. 
There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Credit Services, Inc.
State: NY

Complaint narrative:
In 2013 I consolidated ALL of my loans to make one bulk payment of {$12000.00} to National Credit Services to pay off all of those loans and I was told that total would pay off all of those loans. After paying that, I did not receive any calls or notices that I had payments due. 

I looked at my credit report in the last year and saw that this account was still open, so then I launched an investigation via my credit bureau to look into why this account was open, but did not get an answer. This really caught my attention when my tax refund was taken by this company. 

On XX/XX/XXXX around XXXX EST, I made a phone call to clear up the situation with the National Credit Services. What I learned is that there was a clerical error with my loan consolidation and that the loan was not consolidated correctly. 

I would like this removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I made an ATM deposit on XXXX 2019 at XXXX XXXX in the middle of the transaction the ATM broke and spit out a receipt it reads your deposit has been received your account will be credited upon verification of the deposit if you have questions please call XXXX XXXX to Wells. I called Wells Fargo on the XXXX and filed a claim 12 days later Im still missing the deposit Wells Fargo in no way shape or form is cooperating

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 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have paid this account in full and my credit report still has negative marks on it. I was supposed to pay this debt and it was supposed to be removed from my account

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 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: AZ

Complaint narrative:
XX/XX/ 2018, there was a 90 day+ missed payment placed on my credit report. I was in forbearance at that time do payments were temporarily postponed. The company refuses to fix their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
My Fidelity Investments credit card was alway paid with Autopay feature. 
They transferred business to XXXX XXXX XXXX XXXX in the fall of XX/XX/2018 without notifying me. I've optioned to receive all information from Fidelity Investments via email. 

While doing my taxes and pulling monthly statements I discovered Autopay had been stopped without my knowing and I had monthly penalty fees. I called immediately and XXXX XXXX informed me that I needed to re-enter autopay, of which I was never informed about. 

I asked XXXX to waive late penalty fees due to lack of notification and I'd pay my small balance, but they refused. Outstanding credit card late charges make up greater than {$200.00} of the {$260.00} balance due. 

My card has been canceled, yet now they say i will be charged their crazy interest rates on outstanding balance of a dead credit card. 
This is malicious and predatory considering I never received notification of policy change. 

Please help.

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 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has miscalculated our escrow projection, increasing our monthly payments by {$300.00}, and refuse to formally review the documents that I have provided. We purchased a new construction home and closed in XX/XX/XXXX. We received and paid 2 supplemental bills in XXXX -- one for XXXX and one for XXXX. Wells Fargo is including both years of supplemental tax charges in their escrow projections, which means they are assuming we will continue to pay on 2 years worth of taxes going forward. The XXXX supplemental bill was {$1700.00} and was a prorated amount for the reassessment for that year when the house was built on the land. We have contacted the property tax assessor at the County of XXXX, and they agree that Wells Fargo is overstating our tax liability as this bill does not belong in the same tax year as our other bills. The reassessed value has already been taken into consideration on our XXXX tax bills. Wells Fargo refuses to look at a copy of the physical bill, which clearly states the XXXX tax year on it, and they stated they only base their projections on what was paid in the previous year. They refuse to recalculate based on home value, tax rates, and tax liability years. 

I have prepared my own projection and calculated exactly the amount we owe for one year 's worth of taxes ; it agrees and ties exactly with what the County of XXXX charged us for just XXXX taxes. I also calculated the amount of escrow we need in the account to adhere to Wells Fargo 's balance policy, and the amount to increase the escrow by every month is significantly lower than Wells Fargo 's " projection. '' Attached are my projection/calculation and both supplemental tax bills ; the second one in the file is the XXXX bill that does belong in future projections.

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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit
State: CA

Complaint narrative:
Lake City Credit has been calling me during my work hours after several requests not to. After my most recent request not to call me during work hours they called me back immediately after I hung up on them. 

They are trying to collect a debt that is not only already paid, but well outside of the statute of limitations and not on my credit report. This is harassment. 

They have called me from the following numbers : ( XXXX ) XXXX ( 972 ) 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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XXXX XXXX the company listed the debt twice on my XXXX credit report. Then tried to call and say they was with the FTC and or I would be turned over to the police for not paying the debt. 

See Credit Report Collections Field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I currently have a VA mortgage loan with USAA, serviced by XXXX. These companies are refusing to recognize my XXXX XXXX disabled status which grants tax relief within the State of Tennessee. AS theses laws have been in place for a number of years! 


Attached you will find a copy of the tax bill which reflects the amount due and payable. USAA/XXXX has told me directly that I will just have to depend on the state to return this overpayment yearly! In shorth they have refused to re-evaluate my escrow using the attached bill. 


Please assist me in reducing my mortgage by not paying excessive collections of taxes not due or payable as indicated on the bill!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MD

Complaint narrative:
I have made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018

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