vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Lender : Webster Bank in Connecticut ( XXXX, their public number ) On XX/XX/XXXX, I was charged a late fee of {$46.00} for a required payment of {$29.00} that was due on XX/XX/XXXX. 

I feel that this action by the Bank is unfair and deceptive. 

I asked the bank to kindly waive the fee. They refused. 

This is a variable loan, so I have been making a recurring payment of {$900.00} for the past several months, an amount that exceeded the minimum payment amount. The loan repriced in XXXX, which I wasn't tracking. 

As a result, the {$900.00} that the Bank received on XX/XX/XXXX was {$29.00} short of the minimum amount due. Immediately upon receipt of banks past due notice on XX/XX/XXXX, I called the Bank and brought the account current that day with a transfer of {$29.00} from the linked DDA account at the Bank. 

The late fee of {$46.00} is 5 % of the minimum amount owed which was {$920.00}. 

I feel the Bank 's charge is unfair, at I think it is unfair to charge {$46.00} on a short-payment of {$29.00}. As I brought the loan current on XX/XX/XXXX, I believe this amounts to a 5700 % interest rate on the amount owed of {$29.00}. I think a reasonable person would regard this practice as unfair. 

I think it is deceptive, because a condition of the loan is that I am required to maintain a linked non-interest bearing checking account and grant to the Bank a right of offset for the outstanding payment on the load. The linked checking account had a balance exceeding the {$29.00} that was owed. 

I think it's deceptive to require a linked checking account, ask for a right of offset, and then choose to charge a late fee of {$46.00} when the only reason to require the right of offset is to make the transfer from the DDA when required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IDentity theft occured using my personal Information, XXXX and XXXX  have both removed the fraudulent accounts but Equifax refuses. 

I have contacted my police dept and filed an identity theft report as requested from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX XXXX XXXX {$18.00} by XXXX Check # XXXX dated XX/XX/2018. They kept billing me for the same amount. Eventually they referred the bill to a collection agency that is now trying to collect this amount. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX. I notified Transworld that the debt was paid but they keep billing me and attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As long as Equifax avoids addressing my issues I will continue to send compliants via this portal. I have asked repeatedly that negative information be corrected because of inaccuracies and so has the credit card company, but Equifax won't even read my dispute to see what I am referring to exactly. I have so many generic responses from them in letters and on Equifax.com that I am getting so frustrated asking for specifics to be verified because all they do is verify the whole account and disregard my specific complaint completely. When a small piece of information impacts my whole financial life how dare they pretend like they can't hear me or see my issue. what is the purpose of deleting all around that month but not that month??????? Why not address the specific month and the specific information I am disputing and STOP brushing consumers off with mediocre responses and generalizing a complaint and refusing to change the misinformation? The XXXX account that begins with XXXX has and incorrect 30 day late that XXXX acknowledge and reversed due to fraud, for some horrible reason Equifax, and only Equifax, is not changing the negative information and so I ask them to remove the whole account as it violates the law but I get the sam robotic response from them .... 

How many months do people need to wait for Equifax to respond, acknowledge or consider what is being complained about and correct or delete the account based on facts, phone calls, fraud alerts and complaint history?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies will not remove these items.

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 2018-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX : Contacted Navient to discuss repayment options as my loans were coming out of in-school deferment. I agreed to repayment option for federal loans and the agent encouraged me to put my private loan in forbearance by paying {$50.00}. This would put my loan in forbearance for 3 months. {$50.00} was paid. Later that day, I received an email saying my forbearance was granted. 

XX/XX/XXXX : Logged onto navient.com to pay what was due on federal loan. Federal loan is now stating that I am on in-school deferment until XXXX?? Also, private loan is stating I am on in-school deferment until XX/XX/XXXX. After reviewing my account, my {$50.00} payment was listed as being paid on XX/XX/XXXX - I had no contact with them at that time. I have proof of payment from my back on XX/XX/XXXX. Also, my {$50.00} was applied to the principal on one of my loans ( which one I couldn't tell you ) by Navient on XX/XX/XXXX. I was also informed on today 's phone call that Navient is claiming I have {$51.00} in late fees from XXXX, that they are now saying I owe ( first time I am hearing of them ). My forbearance is no where to be found on my account and customer service rep claims it was an error in their back office. I have pictures and plenty of proof that they do illegal things. Also, I feel that I have been a victim of Sallie Mae/Navient deceptive practices regarding forbearances and deferments. I need my account corrected and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
I don't have the exact dates as I have recently received a new job, and I sent the fax through my old work email. But, I have sent a request to have late payments removed from my XXXX  XXXX   account because they should not be on my account. XXXX XXXX and myself had my loans in deferment from XXXX XXXX, and from XXXX XXXX. If my loan was listed as in deferment for that period of time, then I shouldn't have any late payments on my account. This is severally affecting my credit score, and right now I am trying to get a new home but I am not able to because my credit score is slightly too low. I have already filed a dispute with XXXX  and XXXX ( I am waiting on XXXX  because I have to create an account with that bureau ). The dispute with XXXX has come back as finding my dates accurate from XXXX, but non of the late payments were addressed. I am aware that XXXX XXXX makes money off of late payments, which is why I am sure they are reluctant to switch this around, but this is really affecting my chances of getting a home. Also, I am sure, beyond a shadow of a doubt, that this has to be affecting multiple people and, unfortunately I can not report this to the XXXX XXXX XXXX because it is for a federal student loan. If there is anything the CFPB can do, I would greatly appreciate it. If you can actually do anything I will gladly find any and all documents you need, however, I do not want to waste my time if there isn't anything that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased 4 tops from a vendor online. I did not fit but the other 3 were  defective ... .. poor workmanship. I thought 1 was okay so I wore it out for an evening. Into the night the shirt became uncomfortablebodice and sleeves were twisting and did not feel good I had to purchase another shirt. When I got home i sent an email to XXXX and explained the situation. I was told it was worn and could not be returned. I responded that I liked the top and would keep it if it were able to be worn but it was defective and i would be returning it with the other 3. I was told that I would be issued a credit for the 3 but the defective one could not go back. The key word here is defective. I was told to send photos to them and I may get permission to return it. I never got a reply but I did return it and they refused to credit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
On the XXXX of every month my mortgage payment is deducted from my account and sent to the mortgage holder. About two weeks later I receive a letter saying my payment was late and late fees are added. This goes on every month, even though I can show the payments being made and a confirmation number. I've called these people several times and I just get transferred from on person to the next, nothing gets resolved. My previously excellent credit is ruined. I need to put a stop to this somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$2000.00} balance account number XXXX i do not owe this company any money. balance is o. and they are only reporting this account to experian only.

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 2018-12-12 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I booked 2 airline tickets on XXXX, paid in full at the time of the purchase. They showed up on my XXXX XXXX Visa credit card statement as XXXX separate transactions, both under the name " XXXX '' ( this is the name of the airline carrier ). Both are dated XX/XX/2018 for {$720.00} each. 

I specifically increased the credit limit on my card and purchased through XXXX because of the rewards offer. Without the rewards, I would have gone through a different vendor and credit card. Using the XXXX XX/XX/XXXX visa cost me trip protection that would otherwise have been provided by a different credit card company and resulted in a higher dollar total for the transaction. 

Barclay 's XXXX XXXX Visa reward rules state : Earning Points - You earn points for purchases less credits, returns and adjustments ( Net Purchases ) made by you and/or any authorized user of the Account as follows : You earn 5 points for every {$1.00} spent on eligible Net Purchases made at XXXX. Eligible purchases include : cruises ( as defined by the merchant category code ), Name Your Own Price, Express Deals and Pay Now bookings, as well as purchases of Trip Protection products, made on XXXX. A Pay Now booking is any booking that requires payment at the time of booking. For more information on Name Your Own Price, Express Deals, and Trip Protection, please see XXXX. ( see https : //www.barclaycardus.comXX/XX/rewardsHub?earningRewards= ) My purchase met all of the requirements outlined by Barclay 's to be a qualifying purchase. I should get 5 points per dollar for these charges. However, Barclays has only provided me with 1 point per dollar. The missing points are worth over {$57.00}. 

Barclay 's claims that the transaction is not a qualifying purchase, however it clearly is. XXXX had mentioned something about the " merchant of record ''. My receipt is from XXXX, so they should be considered the merchant of record. XXXX 's version of the rules would be misleading at best, since there is no apparent difference between purchasing hotel reservations ( which qualify for rewards ) and airline tickets ( which at the moment appear not to ). In any case, when I contacted XXXX about the situation, they denied any responsibility, claiming that my agreement is with Barclay 's and not with XXXX ( I would tend to agree ). 

Barclay 's, please give me the reward points I am due, or else the cash value.

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 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I open a checking and saving account with this bank XX/XX/XXXX. I received an alert e-mail saying my account was low, and at that time I open my account on the computer that is when I saw {$14.00} that was in checking. XX/XX/XXXX and every month after that an automatic withdraw of {$600.00} was taken from my checking account. I call the bank and spoke to someone at the bank about my account. I was told an affidavit would be sent fill it out send it in and a investigation would be done. After that I received a a letter saying that the bank would not refund any of the money. The amount that was taken from my account was {$71000.00}. I then close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB Complaint # XXXX. XXXX 's response to my original complaint is absolutely false and inaccurate. First, we provided proof there was no storm lien at all ( letter from the City of XXXX XXXX on their letterhead ) and faxed to XXXX 's loss mitigation department in XX/XX/XXXX. We called XXXX to ensure they received the fax letter stating there was no outstanding storm lien and were told they received it and nothing further was needed. Second, XXXX had our new mailing address yet we never received the letter dated XX/XX/XXXX ( attached to their response dated XX/XX/XXXX ). We received all other mailings from XXXX at our new address but no receipt of this letter. XXXX failed to comply to proper foreclosure notice requirements and never notified us ( should have been sent certified mail ) of the decision to proceed. We were never given the option to cure the deficiency before proceeding with foreclosure. We were financially damaged and harmed as a result XXXX 's failure to follow proper protocol and has damaged my VA housing benefits forever. I want action taken to correct my credit report and my VA housing benefits or I will proceed with legal action

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 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I represent a homeowner in applying for a short sale, retention options and have a bonafide offer on the homeowners property. I original application process started in Late XXXX on 2018. I submitted the application and followed up several different times before the set auction date for the end of XXXX. In Late XXXX I was told that the application was not complete and needed to submit 2 consecutive paystubs, an updated RMA, and XXXX which I faxed into Carrington Mortgage on the XXXX and XXXX of XXXX. I followed up the first week of XXXX on Tuesday but their loss mitigation department was closed, so I called again on the XXXX of XXXX to find out that they had closed our file out. The representative told me that they had not received the requested documents, I asked the agent which documents they had not received because on two other occasions they had said the same thing but I had proof that the files had been faxed and received in PDF format from my email. The agent said that they were missing the paystubs that they had requested and also the XXXX which i also had proof that they were sent on the XXXX and XXXX of XXXX. I asked that they again review the files that I had already sent several times and set the file back up as being completed. At this point the seller is in jeopardy of losing her home to a foreclosure instead of being reviewed for retention options and a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In 2016, I agreed to a Pay-For-Delete to pay off my credit card. I was told that once I paid it off, I can request for it to be removed my credit report. I have tried several times to have this deleted and they refuse. They just keep updating my credit report with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
EXPERIAN AND XXXX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX  XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.

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 2018-12-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.

Company response to consumer: Closed with explanation