vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: LA

Complaint narrative:
I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal

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 2017-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.

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 2017-12-29 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: CORELOGIC INC
State: TX

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal

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 2017-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This acct has been removed from my XXXX and XXXX credit report its still showing on my 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 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
In XXXX I paid off an existing Flagstar Bank loan and refinances with Flagstar.  Through the process they collected 2 months worth of homeowners insurance which would have paid me until XXXX and set me up with an escrow account. My insurance renewal was in XXXX. For reasons that they are unable to fully explain, and seems as though they do not want to take any blame on their part, they made a payment to my insurance company that did not go through. They never once tried to contact me to let me know there was any issues knowing that this forced me to have a lapse in insurance. The comfort of having an escrow account is that you know your taxes and insurance are paid. I received a notice from my insurance company in late XXXX confirming I was no longer covered. When I contacted Flagstar, they told me that I was supposed to authorize the payment once it was attempted in XXXX and returned. I confirmed I was never contacted regarding an authorization and they repeatedly told me that had I authorized this, it would have been paid. They refused to confirm why I was not contacted. When I asked that they immediately release the funds they confirmed that their insurance department was closed and they could not confirm if I had enough funds. When I told the manager I had access to my online account and asked if that was the same amount he told me he did not have that information and refused to put me on hold to confirm with another representative. It was n't until I told him that I would personally file a complaint against him if he did n't even attempt that he put me on hold and within 2 minutes was able to confirm the amount was the same. Due to this failure, I have had no insurance for over a month. Whats worse is the lack of cooperation when this mistake was discovered. They refused to acknowledge it was their mistake, refused to ask for help on basic information, and also refused to release the funds tonight. They are making me wait XXXX hours which means I am still unprotected. I am writing because this is an abuse of power on their end and I would like an investigation into this matter as someone needs to be held accountable for this major mistake.

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 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

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 2017-12-29 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: MA

Complaint narrative:
I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: MA

Complaint narrative:
I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

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 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX CapitalOne Bank Prepaid Personal Credit Cards To whom it concerns : I have just received a Statement from Capitalize by mail. This statement dated XXXX XXXX XXXX regarding XXXX XXXX account for account holder XXXX XXXX XXXX ending in XXXX. 
This statement reflects charges you placed on the account after this account was paid in full and closed by the myself, XXXX XXXX XXXX ( account holder of record ) by phone on XXXX XXXX XXXX. There is record of this conversation. 

Your information on statement with billing cycle XXXX XXXX XXXX - XXXX XXXX XXXX is wrong. 
All provisions were taken at the time the phone call was made to your billing dept. on XXXX XXXX XXXX to insure all information was up to date and any and all charges were paid in full. 
You have kept the account open. You have added charges. You have billed for transactions you placed on this account well after it had been closed by the card holder. 

All of these actions on your part are illegal. These charges are not the responsibility of the card holder and will not be paid. 
Attempts contact you online have failed. Your company has fail safes in place that prevent the card holder from accessing any and all online resolution services and complaint procedures, as the account is listed as currently " suspended '' rather than closed. 
This is a violation of what was requested by myself ( the card holder ) You are to cease and desist any activity on this account. No interest charges or fees are to be added onto this account. No negative credit reporting due to your questionable billing practicing will be tolerated.

Further, complaints have been filed against you with The Federal Trade Commission, Better Business Bureau, and The Consumer Financial Protection Bureau. 

It is expected you will ignore this correspondence due to past experience attempting to communicate with your Company. I advise that you do not. 
Action will be taken against you if you do not clear these fraudulent charges from the account and process the card holders previous request to Close this account. 

I await your reply XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: VA

Complaint narrative:
From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. 

I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. 

I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. 

This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX 900.00 was put into my account for bill pay. I monitored the acct. to see when funds were taken from the account for each bill. The transactions were called pending however the available balance reflected they had been debited from the acct. To be sure that I understood the term pending I called the XXXX number for Wells Fargo and spoke with a rep. XXXX XXXX XXXX had 2 separate payments XXXX and XXXX. The rep informed me the amt. XXXX had NOT been debited. With this being the weekend before XXXX I withdrew 40.00 and replaced it before it would be debited. When I noticed the amount of my balance was still not enough I called them again. I failed to include the fees. The rep informed me I was XXXX short. I returned to the atm and deposited 1.00. On XXXX XXXX I checked my account and the XXXX amount from XXXX XXXX XXXX appeared as a debit. This left me with approximately 65.00 to my advantage. I discovered this around XXXX. I questioned the transaction however my acct. showed the XXXX paid. Due to my concern I planned to go to my branch when they opened. Before they opened I checked my account and it was negative 135??. I was upset and confused. My available reflected funds where being deducted since first bill payment. I have alerts set to inform me of activity on my account. I get those notices daily according to the activity. When I went into the branch. They printed their info and to my surprise no funds had been deducted toward my bills only merchant and atm activity up until XXXX XXXX. The information I had access to was not the same as what they presented. I asked them if they were not deducted then why did my balance reflect they were. It was difficult to determine which amt had actuall been taken from the acct with XXXX XXXX XXXX. I felt I was deceived and this practice was unfair. Where did those funds go? The majority of the bills were paid however I accrued a NSF of 35.00 and a non payment on one of them due to misinformation on Wells Fargo. My acct is presently over drawn by 165.?? and I dont have the funds to cover them. It was one transaction made for gas and food on the XXXX XXXX around XXXX as well due to the available balance my account reflected. When the branch opened for me to verify or replace the amt used the 124.00 was not there and the debits made was not toward trans. done on the dates they were made. It is suspicious that my account no longer reflect the daily credits being made it shows all done on XXXX 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