vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 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 have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX / 2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.

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 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Quality Loan Service Corporation
State: WA

Complaint narrative:
The WA State Supreme Court Clerk refuse to Docket our reconsideration when we file within 30 days on XX/XX/XXXX  which was within thirty days that the WA RAP require.
<P/>
The Federal Rule In the landmark case of   XXXX   XXXX   XXXX   (   XXXX   )   XXXX   XXXX   XXXX  , the court announced that virtually all constitutional errors are subject to harmless error analysis. The sole exception to this rule are those errors which are termed " structural '' in nature. (   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX  . ) In order to qualify as a " structural '' error, a constitutional deprivation must affect " the framework within the Deed Of Trust Act.
<P/>
In its most recent discussion concerning structural error, the court suggested that some errors must necessarily be deemed reversible per se in light of the difficulty of assessing the effect of the error. [ Citations. ] ( United States v.  XXXX  (  XXXX  )   XXXX   XXXX   XXXX   XXXX  , fn. 4. ) This category of cases includes the denial of a public trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
At the end of XX/XX/XXXX , I made payment to Chrysler Capital in the amount of  XXXX  $ for  XX/XX/XXXX  XXXX   XXXX  through a supervisor. A portion was deducted for a processing fee which was greater than  XXXX   XXXX  A hold was placed on the account so that my debit card payments were denied,  XXXX   XXXX  payments were not accepted and pay by phone options were denied to me. On XX/XX/XXXX  an agent from the office of the president lifted the restriction stating that it should not have been placed on the account and another payment was made by me in the amount of  XXXX  $ via  XXXX   XXXX . On XX/XX/XXXX , my vehicle was scheduled for repossesion. My address has been changed previously without my consent, and I had to c all to have it changed back to the previous address. Telephone numbers have been added and subtracted from my account without my consent. Some of the agents are rude and abrasive, others are amazing ; ( the amazing ones are far and few between ). My biggest concern is the lack of consistency from one agent to the next. The information that I receive differs from agent to ag ent. I have been with this company for the greater portion of 3 years. I do not see where my balance has decreased much at all, but the harrassment has definitely increased. My loan should be completely paid within the next 2 years. I will not repeat business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: OH

Complaint narrative:
I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: WI

Complaint narrative:
Equifax confirmation number : #  XXXX  I have disputed an item with credit reporting agency Equifax and I am filing this complaint because they have failed to provide me with documents they have on file that are being used to verify the information being reported. Being that they have gone far past the 30 day mark and can not verify this account, under secti on 611 ( 5 ) ( a )  of the Fair Credit Reporting Act, they are required to 'promptly delete all information that can not be verified '. Please solve this issue as soon as possible.     I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SC

Complaint narrative:
1. I  have had this problem several times in the past. Today,  XXXX / XXXX / 17  I received an email I had a message fro m Fedloan. I logged into my Fedloan account to see what the message is and see that my accounts are now in Administrative Forbearance. I did not ask for any Forbearance and I am furious I am in a Forbearance. Fedloan did this to me 60 days ago and it took 8 calls to get the forbearance removed. I am on an  IBR and do not need a Forbearance or a Deferment at any time.      2. Fedloan removed my employment history applied towards the FSLP to add a Forbearance in   XXXX   2017 . This was wrong! I NEVER asked for the Forbearance that was added and removed back in  XXXX , aft er 8 phone c alls. When this Forbearance was removed, they never added back my months towards the FSLP. I resent in the proof of employment forms hoping the months would be added back, but instead got another forbearance!!     Please audi t Fedloan. T hey are making big mistakes on accounts and not fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies

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 2017-06-02 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: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
On  XXXX   XXXX , Synchrony Bank  [ WalmartCredit.com ]  debited my checking account twice with the full balance due on the account -- 2 debits of {$420.00}, creating an overdraft on my checking account. When I tried to get Customer service to credit the second amount back, I was told it was my fault that I had authorized the original payment and subsequently had added autopay to the account. ( I have done this with  XXXX  and  XXXX  credit cards with no problems at all. ) However, the Customer Service representative stated that there was no way for  Synchrony  to credit the account. The best she could do was send me a check that I would receive in  5  to 15 days. When I insisted that was not satisfactory and spoke to a Customer Servic e Manager,  the best offer she had was to expedite the check and perhaps get it sent in a couple days if I FAXed proof of the double debit to her FAX number. I sent my copy and had my credit union also send proof of the double payment.  <P/> My complaint is that I see no reason  1 -  for the double debit in the first place. If I had a payment authorized, then  AutoPay  should not debit an account that then has a   XXXX   balance. In fact, when I signed into the account after the incident, it had a negative balance of {$420.00} -- so the bank was aware of the double payment. And  2  - If the bank can debit the account, there is no reason in my mind that they ca n't credit it. Again, I have had experiences with what I deem more reputable banks, and a Customer Service rep can immediately credit an account for some error -- or at least forward me to another person who can. It does not take  5-15 d ays for a correction.  <P/> I have a FICO  credit score i n the  XXXX  's which this bank posts, so it 's not like I am a credit risk to them.

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.

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 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I placed multiple orders for the same item.
<P/>
Due to Kohls general incompetence they did not fulfill the orders in full ( Cancelled earned Kohls cash before it could be used ). Any attempt at rectifying the situation with Kohls customer support was fruitless. They attempted to make multiple " manual '' orders to rectify the situation but any time these orders were placed, they cancelled them prior to shipping.
<P/>
I have attached a screenshot showing communication from a Kohls representative promising a credit of {$890.00} ( How they came up with that number, who knows ). This credit has yet to appear on my statement. I was even instructed that I NEEDED to go to a store and present two forms of ID to a store manager. After doing this in XXXX on XXXX17, the credit was still not issued.
<P/>
I would also like to note that I mailed in an official dispute letter to Capital One on XX/XX/XXXX. This dispute letter has gone unanswered and Kohls phone representatives refuse to let you speak with Captial One XXXXctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On   XXXX   XXXX   XXXX     I had a repair service billed to my credit card for {$310.00}, in which I made a payment on  XXXX  of {$53.00}. I did not see another bill until the end of  XXXX  (  XX/XX/XXXX statement ). I noticed a {$27.00} late fee and did n't understand why. I called  Well Fargo o n   XX/XX/XXXX a bout the bill and was informed that I had a bill (  XXXX   )  prior to the bill I had received. After a few minutes of discussing the missing bill, the  CSR indic ated that she would waived  XXXX  credit  XXXX  the charge as a courtesy on  XXXX  and sent me a copy of the missing bill for my records. Since the payment was {$80.00}, I sent in the differ ence ( {$53.00} )  on  XXXX  to complete paying the amount due. On the next bi ll (  XX/XX/XXXX  ), I now  see a {$37.00} late fee. I am confused again since I have been making multiple payments on my card. So I called again on XX/XX/XXXX  to inquire what was going on and I was told that the credit was not applied against what I had to pay but against the balance. I argued that that was n't what I was told and that in the conversation, the  CSR di d not indicate that I still had to paid {$80.00}. The CSR I was talking with would not remove the charge because they had remove the prior late fee. I asked to talk with a supervisor and while I can not remember whether it occurred in that conversation or whether the supervisor call back, I was able to talk to a supervisor and explain my case, emphasising that if I had received the missing bill, the first late fee would not had occurred AND that I was n't aware and I was n't told that the waived fee would n't count as a payment, I should n't be penalized for the  CSR not being clear and I do n't work at the bank so my understanding of amount be credited to my account and Well Fargo ( seem ) to   be different. The supervisor indicated that the fee would be waived but the credit  may not show up for up to 2 cycl es. I continued to make payments and paid off the amount owed. When I did n't see the problem corrected, I called back on  XXXX  and was back at square  one. I do n't have a problem with the bank making money but not by taking advantage of the customer. This has now seriously affected my credit score and other credit accounts.   <P/> I can see if I was acting in bad faith, but I tried to be proactive in handling issues with my accounts.

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 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I paid off my XXXX XXXX Credit Card that was serviced by Wells Fargo Bank. I spoke to the Wells Fargo Representative on X/XX/17 and inquired why there is a finance charge of {$1600.00} on balance of {$2700.00}. He stated that my promotional time has ended and gave me some deceptive information. I informed him that i have not received my statement in mail nor any notification that the account will incur finance charge on the remaining balance. This amount is absurd and unfair. While on the call with XXXX, ID # XXXX, I paid off the entire balance of {$2700.00} and he stated that he will credit my account of the error that has occurred. I requested a XXXX balance letter for my records. <P/>So I logged online today, X/X/2017 after two days the balance was satisfied, I see a balance of the finance charge on my account. <P/>This is deceptive and they are stealing and charging me for nothing. <P/><P/>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 monetary relief
Consumer complaint received 2017-06-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
<P/>
I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
<P/>
  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
<P/>
Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
<P/>
This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you

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 2017-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: KY

Complaint narrative:
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed.  XXXX ,  XXXX , and American Education Services ( AES ) are all refusing to remove fraudulent information from my credit report after providing verification from   XXXX   that the tradelines were successfully removed from their report.  XXXX  and  XXXX  claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, AES, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid AES and never will. AES is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves AES engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. AES is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several AES employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT   XXXX    according to the original default date. Somehow AES managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also,  XXXX  is reporting that  XXXX  of the   XXXX    tradeline s is closed/paid in full and the remaining   XXXX   are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX ,  XXXX , and AES. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
on  XXXX   XXXX     2017  my wife received a collection letter from Bonded adjustment company date  XXXX   XXXX     2017 regarding a bill. This is not a joint account or debt. it is a medical bill that i am responsible for alone. in the communication to my wife WITHOUT my consent or authorization included ; my name, original creditor, account number and   balance owed. according to fair collection laws this is illegal and why i am filing this complaint. i have include a copy of the letter sent to my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation