vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to lift a security freeze on my credit report online, which I have done with Experian several times. I was unable to do that successfully today, after trying multiple times. 
Since I am applying for a home mortgage loan with XXXX, the time line is critical. I called their security freeze line and typed in my information. They advised I had to write in with proof of address change, identity, etc. This is a severe inconvenience. I had no problem doing this with XXXX and XXXX. They need to update their systems or get out of the business. I have had problems with them previously when applying for home loans, as they don't update their information and there is no one to talk to who can resolve the situation.

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 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity on my credit report I called and filed out complnt with transunion but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXalso on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/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 2019-01-16 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: NJ

Complaint narrative:
transunion is not good credit watch company, they do not update my credit, like credit card is already closed long time, but they still show is open. when I apply new credit, credit card company think I had a lot activated credit card, then they decline my apply. even I had over 800 credit score.

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 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019, I deposited a Cashiers check in Capital one bank. The check was from a buyer ( name : XXXX XXXX XXXX, phone number is XXXX XXXX XXXX, and XXXX XXXX XXXX ) because I was selling a queen bed through XXXX. The buyer sent me a check for the bed and movers ( {$150.00} for the bed and {$900.00} for mover, total is {$1000.00} ). On XX/XX/XXXX, I saw the money {$1000.00} already in my account. Even though, I went to the bank to confirm if the check went through. The cashier checked for me and said yes. And capital one sent me an email that Youve successfully deposited your check ( s ) into your Checking account ending in XXXX, and the money should be available by the next business day.

Amount : {$1000.00} Since the cashier told me the check went through, I thought the check was good. Both cashier and the email didnt mention anything about the money need 4 to 5 days to transfer or verify. Otherwise I would not mail {$900.00} to the mover. On XX/XX/XXXX, I mailed {$600.00} to the mover, XXXX XXXX, address is XXXX, Rhode Island, zip code XXXX  through XXXX to XXXX  and mailed {$300.00} on XX/XX/XXXX.

Since no one come to pick the bed and I couldnt get back from the buyer, I checked my checking account on XX/XX/XXXX, I saw the check pending for chargeback. I called Capital one bank and I was told the check was not right. But I have mailed {$900.00} to someone.

I made several calls to Capital one to complain because I dont trust the buyer, but I trust the bank. If the money was not on my account and if the cashier or the Capital one bank email mentioned that the fund need several days to verify, I would wait. However, I was told there is nothing Capital one bank can do about.

When I deposit a regular check, it takes several days to go through. But the cashiers check can get next day. I thought cashier check takes shorter time to verify. Now I know it is not verified. But no one mentioned it to me. I dont think it is my fault. It should be banks problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to freeze my credit with Experian. they say I have to mail all my personal information to them and won't do online. I have tried to call them but they just hang up on me. I want to freeze my credit as I feel my personal info has been compromised. XXXX and XXXX have both froze my credit and this company is doing nothing but giving me a hard time. I filed complaint prior with XXXX   and you guys got them to fix. Experian just mailed me a letter telling me nothing??? Can you jump on them and get them to lock my credit so nobody uses my info. Thanks.

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 2019-01-16 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: Byrider Franchising, LLC
State: LA

Complaint narrative:
During the month of XX/XX/2018 I was refinanced a car From XXXX XXXX due to the inflation I returned the car in approximate 19 days.Not owing anything what they speak of is a down payment I never received plates for the car I lost my job because it went out of business XXXX delivery service unable to pay car at time but I got a new job an they didn't give me time enough to pay it so I was unable to make it to work so the problem is they still reporting to all 3 Bureau negative payments causing my score to drop an also wouldn't return my money..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MN

Complaint narrative:
I applied to qualify for PSLF in XX/XX/2016 and had my loans transferred over to XXXX XXXX from XXXX.

Currently, they are only counting 5 of my payments towards my PSLF payoff, 4 of which are under review.

I have made 15 payments under XXXX XXXX and made qualifying payments through my previous servicer, XXXX. My count should be in the 30s, not 5.

I've asked several times over several months for a count of my qualified payments. I have not received an update, except several payments made through XXXX are under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2018, I filed income-driven repayment plan request. I received an email from Navient stating that my request was approved. My payments were showing to be lowered to {$32.00} for the following month of XXXX. However, as of today it has changed back to the amount {$150.00} without any notification from Navient. I would like clarity and guidance as to why this is happening and for it to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16 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: NY

Complaint narrative:
I was a victim of identity on my credit report I called and filed out complnt with XXXX  but nothing has been done am trying to repair the damge plases if someone can look into these inquiry XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX also on XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-01-16 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: MA

Complaint narrative:
Hi, I had previously submitted a complaint in XXXX  of XX/XX/XXXXwith Sallie Mae - who has since sold my loan to Navient. The previous complaint case number was : XXXX.

The complaint was centered around raising my payments after doing an interest only repayment. I settled on an agreement with Sallie Mae - which was to an extension of 3.5 years to help keep the payment at the original payment amount of XXXX per month.

Upon checking on the status of these loans - it looks like they have extended my loan to XX/XX/XXXX. I graduated in XX/XX/XXXXand was told that my Master Promissory Note shows a 10 year repayment. This means that I should be done paying these loans in XX/XX/XXXXor XX/XX/XXXX at the absolute latest. My monthly payments have also steadily increased from {$620.00} a month to {$670.00} a month currently ( and to be clear the total interest being paid a month is actually less than it was in XX/XX/XXXX).

I tried calling Navient and asking for the agreement and original master promissory note. I was told they would get them to me by Friday of last week ( XX/XX/XXXX ) and they have still not been sent.

I have been paying these loans for over 11 years at this point. I took a short period of time where I paid interest only and I'm aware that this extended my payment - but I did not agree to have this extend to a 19 year repayment. This is unacceptable and I'm hoping you will be able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Today, XX/XX/2019, I attempted to temporarily lift the freeze on my accounts at XXXX, XXXX, and Experian.

XXXX and XXXX allowed me to complete the transaction in just a few minutes online, using the PIN provided at the time the freeze was put in place.

Experian claims that you can lift a freeze online or by phone. I filled out the online form with all the information required ( including my PIN ), but was then told I would have to write a letter containing the same information, multiple copies of identification, mail confirming my address, etc.

I next tried to lift the freeze by calling Experian. No human speaks to you, you must place voicemail bingo. I entered all the required information, only to receive the same instructions about filing a written request. This has taken my about 1/2 hour of my time. Forget it. The account can stay frozen. If I could remove my information from Experian, I would.

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX  with my XXXX  kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I apologize ahead of time as bothering you so much, I do not know what to do!! 
I sent you something earlier?? that i did not make it to court due to falling and a wonderful couple helped me and was wanting to take me to hospital. I also told you i have 3 weeks to move. I have been trying for months to get payment lowered and back with XXXX it was more months than that, After house bought by Wells Fargo at auction i knew my only chance was to go to Wells Fargo direct again. I would gladly pay them every month but i can not go back and pay previous payments. I am in very bad health and will not live long enough to pay off house house unless win lotto?? I NEED TO PAY THEM AND LIVE HERE AS I LIVE!!! i can not back pay but can pay {$700.00} to {$750.00} every single month. I get my social security check the XXXX week of every month and i will go on their web or to customer service or mail check .SORRY again for taking your time but if something does not happen i am going to have another XXXX XXXX.My sister and brother live far from me and no room for me in their house.

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 2019-01-16 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: FL

Complaint narrative:
I dispute date account open for XXXX XXXX XXXX. The date account open is incorrect for XXXX XXXX XXXX account on my credit report. I am requesting that this XXXX XXXX XXXX account is deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: NY

Complaint narrative:
I was a victim of identity theft on my Experian report I sent letters but nothing has been done if you can please look into these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX  NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX  and the bank is further away than the previous bank.

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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am unable to get a copy of my credit report. XXXX and Experian both replied, " no credit report. '' I am trying to get a secured or non-secured credit card to build my history for a VA loan. I need something in hand to take to a bank or lending institution.

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 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received my XX/XX/XXXX statement from American Express and paid the balance of {$7300.00} in full and on time. I opened my XX/XX/XXXX statement expecting to see a XXXX balance - instead, there was an interest charge of {$60.00}!! I had made no additional purchases, which was confirmed on the statement. I called American Express XX/XX/XXXX and inquired how could I be charged interest on a XXXX  balance? The CSR stated it was trailing interest and I would be charged a late fee if not paid. I specifically asked if I would receive a statement with a XXXX balance and I was told yes, and I mailed the payment, on time. Today is XXXX-19 and I have not received a XXXX balance statement. First of all, I can not believe it is legal to charge interest on a XXXX balance. Secondly, American Express has habitually failed to mail my statements and I have called multiple times over the past 2 years having to request statements. I don't believe American Express is operating in good faith. It seems to me they are deceptive charging interest on a XXXX  balance AND they don't mail statements - which may be to generate late fees. I'm sure collectively, I have spent hours on the phone to request statements. By the way, I never made a late payment, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: FL

Complaint narrative:
When checking Experian, I saw my credit score dropped due to an unpaid balance of {$3000.00} on a XXXX account. I have one chase account that is paid off. Once I made a dispute claiming this was fraud and not my account, then removed it from records. I, then, received an email updating my credit score dropping an additional 18 points. This account has drastically reduced my credit score and I promise myself in having a very good score. Please advice as XXXX nor Experian will assist.

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 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Loan servicer improperly charged insurance premium for a HO6 content coverage in my escrow account without proper notice. Charged premium at will before the notification was sent to mortgagor. Charged {$1600.00} in premium at once. When Mortgagor was notified, place the coverage and they still alleged that the charges were for back premiums. The actual insurance policy for the Condominium covers amounts enough for the money owed for the loan. Although Mortgagee was requiring these are additional amounts, mortgagor placed coverage for a year at a fraction of cost Mortgagee charged for the same coverage and in addition to the amount due on the mortgage. Mortgagor never received a certificate of insurance for what mortgagor was charged. These charges were illegal.

Company response to consumer: Closed with explanation