vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
In XX/XX/2018 I attempted to change my income based repayment plan form a different IBR plan to RE-PAYE. I was told that I needed to submit an application to change my loan payment plan. During the process, I was told that My loan would be transferred to the standard 10 year repayment plan but in forbearance. I would then need to make a nominal payment, such as {$10.00} to cover the month on the standard payment plan. The following month, my loan would be transferred to the new plan and resume under the new RE-PAYE plan. They did say this would cost me one month of Public Service Loan Forgiveness as the month on the standard payment plan would not count. 

I submitted my application. When the loan was transferred to the standard payment plan, I made a payment of {$10.00} as instructed. I waited and it took 3 months to change payment plans costing me 3 months of Public service loan forgiveness eligibility. 

I submitted a new employment certification and on XX/XX/18 was told that I had made 44 qualifying payments. 

On my XX/XX/2018 statement. I received notice that my account was past due {$0.00}. This was surprising since my account has been on auto payment from the 2nd payment. I also noticed that my Public service loan forgiveness qualifying payments has been reduced to 34 on several of my loans. I called the XXXX number and the person on the phone ( id : XXXX ) told me that the {$10.00} payment while my loan was transitioning plans, was not applied to all loans properly and there was an outstanding balance of a few cents on a few of my loans. She stated that since there was an outstanding balance over the past few months, the payments I made would not count towards public service loan forgiveness. I explained that I followed all instructions given and she agreed that they misapplied my nominal payment. Additionally, no notice was given about this outstanding balance until XX/XX/2018. I started the payment plan change in XX/XX/XXXX. She said she would submit the account for review to get the {$.00} cents removed. I explained I was more worried about the public service loan forgiveness. She stated she wasn't sure what would happen with that. I asked how long it takes to have my account reviewed and she stated she did not know but it could take a few billing cycles. 

At this point, I feel I am being cheated out of qualifying payments towards public service loan forgiveness because of a clerical error. Additionally, I was not properly and timely noticed of a past due amount. Furthermore, I should not have 10 months of public service loan forgiveness retroactively taken away after it was already granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
To whom it may concern.

Our company credit card Capitol One Spark account was cancelled do to not aligning with their company policy. Capitol One would NOT tell us what we did not align with. We called and our account is in good standing. No late payments at all. Capitol One would not tell us what the real problem was. We believe we were singled out because of these reasons. 
1. We are a pawn shop. ( # 1 reason ) 2. We are selling legal firearms.

3. We are a small business owner.

4. We are Republicans.

Would this be a form of discrimination? 
I'm not sure if there is anything you can do for us? 

Attached is a copy of the letter that was sent to us from Capitol One. 

Thank You, XXXX XXXX Manager/Partner XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : BANK OF AMERICA I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY

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 2018-10-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have contacted the 3 Credit Bureaus ( XXXX, XXXX, and TransUnion ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.

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 2018-10-24 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: ND

Complaint narrative:
I have contacted the 3 Credit Bureaus ( XXXX, Experian, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.

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 2018-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am reaching out for assistance with a payment made to Navient. 

A payment was initiated by XXXX XXXX on XX/XX/18 to Navient electronically. The payment was in the amount of {$4200.00} which was to payoff my final Navient loan. On XX/XX/XXXX, I realized that my payment had not posted and it was then discovered that the account number was one digit incorrect. 

At this time, I contacted Navient. I spoke with a CSR who informed me that I needed to send proof of payment through my online account and they would reroute the payment to the correct account. I was given a 7-14 business day resolution time-frame with it being complete on XX/XX/18. 

On XX/XX/18, my payment still had not posted so I called again. The CSR at first stated that they still had my payment and that I would need to wait 10-14 business days for it to post. I had already waited that time so I pressed about it being a high priority. She placed me on hold and then said that the payment had actually been sent back to the bank on XX/XX/18. She can not give me the bank name, routing, account, reference number, trace number, etc. As of today, XXXX hasnt received the refund. The Navient CSR gave a 7-14 business day window to get the payment back. An electronic payment does not take 7-14 business days. I need assistance tracking this money down so I can payoff my loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: TN

Complaint narrative:
" " '' I have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Daughter purchased a bed from XXXX sleep with her Chase Credit card. Then due to other Chase 's mess ups and lack of response on other issues related to her credit card she closed her Chase credit card which they finally did. 

In AXX/XX/XXXX, she returned the bed t Nectar sleep who have been trying to help her all along and informed her that she would get a full credit but it had to go back on the credit card. She told XXXX that the card was closed but they informed her they had to send it back to the card it came from. they have provided documentation of the refund which is attached. 

She then contacted Chase to get a refund at which time Chase started telling her the account had be closed and then purged and they could do nothing for her or that they never got the money and finally that they said they couldn't help anymore and not to email back because they would not respond to any more emails. 

We contacted XXXX and they confirmed they sent the refund but didn't get it rejected so it was still with Chase. 

We have attached copies of emails between XXXX and us and some of the emails between us and Chase for your review. 

She is out {$710.00} which she can not afford to lose. 

companies : XXXX - retailer who issued refund. 
Chase Credit card - card company who say they can't help us I am helping my daughter so I added my name as additional card holder because you had no other option below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I have a property that was scheduled to close on XX/XX/2018. The buyer already had a mortgage commitment letter from Citizens Bank in XXXX RI. One hour prior to closing the closing attorney for the buyer notified me that Citizens Bank would not release the closing paperwork and would not provide the closing funds to the buyer. I had a closing on a new property scheduled for XX/XX/XXXX in a different state and my furniture was already in transit to clear the property for a walkthru. By denying the load at the last minute, it caused both closings to fall through and now my property is back on the market and I am currently renting in the new state. I called Citizens Bank to get an explanation on why they waited until the last minute to deny the loan to my buyer and they would not provide any explanation. The lawyer stated that it was because of a another property that the buyer had that was properly disclosed during the loan process. I have spoken to several bank managers and was told this should not happen hours before closing. This situation has caused me thousands of dollars in unexpected expenses and now I have to put my house back on the market at a less than ideal time of the year to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 
1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 
2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 

3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 
4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. 
I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. 

According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: CA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Date Filed XX/XX/XXXX Issue Needing Resolution : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Credit worthiness has been impaired due to an antiquated system that the Department of Veteran Affairs does not comply with Federal regulations pursuant to Chapter 7, Title 11 United States Code ( Bankruptcy Code ).

Issue # 1 - Department of Veteran Affairs Loan #  XXXX was never included in our bankruptcy and was exempt even though they had to be notified as a secure creditor. 
Issue # 2 The Department of Veteran Affairs was not in compliance and should have removed said Chapter XXXX bankruptcy from our credit reports after 10 years from filing the Chapter XXXX petition. 
Background I am a XXXX XXXX XXXX XXXX having achieved the rank of XXXX and a XXXX XXXX Recipient. I purchased my home in XXXX XXXX, CA on XX/XX/XXXX for {$220000.00} and financed the purchase with a Cal-Vet loan through the Department of Veteran Affairs in XXXX, CA. On or about XX/XX/XXXX my wife, XXXX XXXX and I filed Chapter XXXX Bankruptcy # XXXX XXXX JB in XXXX XXXX, CA ( Exhibit XXXX ). On XX/XX/XXXX, we filed a Chapter XXXX Individual Debtors Statement of Intention where in item b. Property to Be Retained we reaffirmed our commitment to keep our home at XXXX XXXX ( Exhibit 2 ). 
The United States Bankruptcy Court XXXX XXXX of California on XX/XX/XXXX filed a Notice of Commencement of Case under Chapter of The Bankruptcy Code Meeting of Creditors & Fixing of Dates for XX/XX/XXXX at XXXX. The Department of Veteran Affairs did not file an objection with in their 30 day period ( Exhibit 3 ). 
On XX/XX/XXXX, The Order of Discharge Was Entered ( Exhibit 4 ). 
Our XXXX loan was paid off in XX/XX/XXXX and is still shown as by TransUnion is an Adverse Account in my credit report dated XX/XX/XXXX ( Exhibits 5 & 6 ). 
A call to the Loan/REO Division of the Department of Veteran Affairs in XXXX, CA on XX/XX/XXXX said that their system would not allow the removal of the bankruptcy even though they were notified as a secured creditor. It is not clear to us that a notification of a bankruptcy can penalize our credit after 10 years or XX/XX/XXXX when the Federal law requires it. I was advised that I would have to contact the various to credit reporting agencies remove the bankruptcy. 
In conclusion, I need the help of the CONSUMER FINANCIAL PROTECTION BUREAU as my credit has been severely penalized from the Department of Veteran Affairs since XX/XX/XXXX and its this same practice may be hurting other California VETS.

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 2018-10-24 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XX/XX/XXXX/XX/XX/2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed As a result of SPS reneging on their written agreement with us not to report us while we were in the process of a short sale, our credit ratings have taken a hit. We were assured by SPS this would not happen. 


They were negligent, did not return phone calls, or emails. They made us fill out the same stack of paperwork repeatedly. We ended up with a different person every time and had to start over each time with the new people assigned to us.

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