vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX, I initiated a " bill pay '' transfer from Bank of America checking account to another financial institution. I requested that the funds reach the second institution by a certain date but it wasn't received by the second financial institution. Yet, the funds were taken out of my account. On XX/XX/XXXX, I called Bank of America to inquire, and their customer representative suggested I stop payment on the " bill pay '' transfer, which I did. Bank of America has NOT returned the funds to my account. The second institution does not have the funds, and the funds have not been returned to my Bank of America account. 

I called Bank of America again ( two days later ) to ask why the funds have not been returned to my account. The person I spoke with said that their customer representative did not process it correctly. 

It's been 24 hours since my second conversation with the bank about this issue and more than a week since they removed funds from my account for a " bill pay '' that was not delivered. I currently do not have possession or access to those funds because they have not been returned to my checking account, and I decided to file this complaint. 

I received two identical email messages ( one attached ) from the bank - two days apart - regarding the incomplete " bill transfer '' and the stop payment. [ Online Bill Pay Message : Case ID 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 monetary relief
Consumer complaint received 2018-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

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 2018-06-01 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: NY

Complaint narrative:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: NY

Complaint narrative:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

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 2018-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Veros Credit, LLC
State: TX

Complaint narrative:
The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: SC

Complaint narrative:
After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by XXXX  and Equifax and are a result of identity theft. 

the fraudulent accounts being reported on XXXX are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on Equifax are : XXXX XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. 
I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: AL

Complaint narrative:
I down loaded a copy of my credit report from XXXX XXXX XXXX XXXX  XX/XX/2018. My XXXX   report say my score is XXXX but Avant say its XXXX when applying for a loan on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GreenSky, LLC
State: MI

Complaint narrative:
In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 
2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 
3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 
4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 
5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit agencies.

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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for a Delta American Express card in XX/XX/2017 with an offer of a XXXX bonus point offer if I meet a minimum spend requirement within three months. I met the minimum spend requirement within three months. I had the account open for another three months after that. I never received the bonus. I followed up with American Express multiple times and they told me they will have to investigate the case. After six months of having the card I did not want the card anymore and closed it. Finally once I closed the card they told me the investigation has closed but they don't have a place to send the bonus due to my account being closed. They have my Delta account and can send it there as they always do but they told me I would need that card to be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I have disputed with the credit bureaus and Barclays Bank of DE on numerous occasions with no success. Barclays has been reporting a balance of {$820.00} on my credit report on a charge off account that they have written off and sold to a collection agency. I have disputed the fact with them that they are reporting a balance on an account that they have sold to a collection agency and have written off. I have also tried to get this account resolved by sending them a check ( including pictures with my complaint ) the check was in the amount of {$50.00} along with a letter stating if they cashed this check this account was considered paid in full and would be removed from my credit report. I also wrote this on the check. Barclays cashed my check and updated my account by applying it to the balance therefore changing the balance on my credit report to {$770.00} which was not what the terms stated. I am asking that this account be removed from my credit report.

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 2018-06-01 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: SC

Complaint narrative:
After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by Transunion and XXXX and are a result of identity theft. 

the fraudulent accounts being reported on Transunion are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on XXXX are : 5 XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # 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 2018-06-01 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: NJ

Complaint narrative:
I have a number of times contacted this company about private loans and this includes a career training loan. I have asked for them to lower payments or make it at least manageable to pay back. They stated the lowest they could make it was XXXX that is only for a year and then they would have to relook at the accounts and see if I would be able to keep it. They originally wanted over 800 dollars from me which is an entire paycheck. I have done my best for a year and now they want to up not only those loans but all of my payments on all my loans. I already pay over 600 a month, and am barely getting by. I am literally filling bankruptcy on my other debt because I can't keep up. My career training loan, was years ago and I can't seem to put a dent in it at all. Not to mention the school was not accredited and basically a scam and they ended up changing their name and closing a couple years later. When I asked the company of loan forgiveness as the school closed later they said their was nothing they could do for me. This company is a trap, and if I knew then what I know now I would have never gotten loans period. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid   .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sherloq Group, Inc
State: NC

Complaint narrative:
Company trying to reach me on a phone I share with my brother. Lady called was extremely rude and hung up on my brother. He called back and they refused to give him any contact information for me to contact them back. Refused to let him file a complaint within the company.

Company response to consumer: Closed with explanation