vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I deposited a check to Bank of America, in the amount of {$8000.00} but the check was payable to my wife. I deposited the check in my account. My wife told me not to deposit in my account. So I called the bank to cancel the deposit. The banker told me it was on hold. I asked why it was on hold, The banker told me the system automatically put the check on hold because it has a different name. The banker said the check may be rejected. The banker said there a debit transaction of {$8.00}, XXXX. He asked if I recognize that transaction. I told him I dont know that transaction. He told me theres a contact number by the transaction and I need to speak to them. The banker transferred me to business credit card department. I was told in the business credit card department that since I had balance on the credit card they took the balance out of my checking account. They did this without my knowledge. I told them its my wifes check. I told them since check is not in my name and fund is not mine, can they reverse the fund. The representative said since its in my account, its considered as my money. After I disconnected the call, I went the branch and told them the check I deposited, belongs to my wife. banker told me If the recipient name is different from the account holder, You can not make a deposit. I told to call the check processing department to find out more about it. I call back to customer service and they said I should talk to the fraud department. On XX/XX/XXXX, I called the fraud department and they said since the name on the check is different, the check shouldnt have been deposited. At that time check was on hold and debit transaction was pending. They said they will reject the check on XX/XX/XXXX midnight and will give me back the check in three business days. But the next day check looks like cleared So I called the customer service again and they transferred me to the fraud department. I spoke with someone in the fraud department again and they told me the check was cleared. I asked why them why the check was cleared after I was told the check shouldnt have deposited so check will be rejected that day midnight and will return it in three business days. The banker just told me check was cleared and no fund can reversed. I was told speak to their investigator. The investigator said they couldnt see image of the check so they couldnt help me. I spoke with fraud department and banker at the branch and was told the check never should have been deposited. 
I think they should give me back the check and Cancel the debit transaction that the bank of america business card department has withdrawn.

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 2018-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. 

Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the  interactions described below. 

To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. 

I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. 

I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. 

As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: IN

Complaint narrative:
Recently there were some things added to my Transunion credit report that I did not recognize. I called the Transunion to report the problem and instead of the customer service rep helping me they decided to argue with me about the situation and how I should be more responsible with my credit and that I am going to die with bad credit. I asked how can some inquires that were removed from my credit report show up back on my credit report with my knowledge. I explained to the rep that I had not applied for a car loan in XXXX or XXXX of last year and that there were some other inquires on there that were not mine. I recently found that someone was using my that lived in XXXX XXXX Indiana because of an address that popped up on my credit report that I had removed. These are the inquires that are not mind and I would like them re-removed from my transunion account. I worked very hard and long with all these companies below to have all their inquiries removed off of my credit report. It is not fair to me that they have been added back. All of these inquires below are unauthorized inquires and I would like the re-removed from my credit report. 

XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Our first call was on XX/XX/XXXX. They claimed not to receive the check. After following up with our insurance company we called back on XXXX. They claimed the account # wasn't on the check ( which it was ). They then said it'd take 10 days to process. We followed up on XX/XX/XXXX and got the same response. We followed up with them on XX/XX/XXXX and they said XXXX days it'd be processed. As of XX/XX/XXXX the payment still hasn't been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX, I have entered into a debt management program with XXXX ( XXXX ). In order for me to participate in the Debt Management Program, I had to close my Discover Card Account. Discover received a proposal in XX/XX/XXXX and it was rejected by Discover on  XX/XX/XXXX due to needing an increase in payment. Discover then reconvened and with my approval, XXXX sent a new proposal to Discover with the increased payment amount on XX/XX/XXXX, which was approved by Discover on XX/XX/XXXX. During that time frame, Discover was informed that the payment goes on a cycle, and if dropped from the program for non-payment, the client was supposed to receive notice of the drop. In addition, when the payment is received by XXXX, they pay it out to the creditors. Due to Discover 's processing times, the payment would be processed later. 
I was contacted by Discover several times. Each time, I had to make a payment arrangement with them. Discover also informed me that they never received a proposal from XXXX, although they did. Discover has a copy of the proposal. 
During that time, I was reported late in XXXX, XXXX, and XXXX of XXXX. Discover contacted me to XXXX payment arrangements so that the account is not reported negative. Although I made the timely payments, I was still reported late, and it damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
When the XXXX XXXX XXXX XXXX banned XXXX XXXX XXXX from doing business for a few years and fined them for, basically, stealing, they transferred my mortgage ( which they'd had since 1997 ) to Rushmore Loan Management Services LLC. I've never been late on a payment, so I asked Rushmore why all their correspondence, statements, etc. state they're from a debt collector ( the mandated usual notices ) and was advised that it was " just a legal requirement '' which doesn't really answer my question : how can I be turned over to a " debt collector '' for servicing when I was never in default nor asked for loan modification? XXXX XXXX XXXX should probably be the one answering this question, not Rushmore. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a duplicate request that was previously disputed. I recently applied for credit and the decline letter states I'm deceased and there is no FICO score available therefore got declined. When the decline letter was received it stated that I was deceased, I thought this issue was fixed but it appears it keep reappearing affecting my credit report. IF MY DATE OF BIRTH IS XX/XX/72 HOW CAN I ALSO BE DECEASED ON THE SAME DATE XX/XX/72? 

I tried to dispute the issue online with Transunion and their system is slow and locked up then eventually locked me out. Its a useless system. The CFPB should try using it to see how unconsumer friendly it is.

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 2018-07-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Upon dispute with Syncrony bank acct # XXXX due to identity theft Syncrony bank have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.

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 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Re : Loan # : XXXX re : " Missed payment '' letter Dear Ditech, You mailed a letter to my attention regarding a missed payment due XX/XX/2018. 
You are receiving automatic bank payments : *you received payment of {$3800.00} on XX/XX/18 confirmation # : XXXX This is not the first time Ditech is engaged in cashing payments and assessing late fees. 

Please correct your records. 

In the event Ditech will assess a late fee on this payment, I would have no other choice but to contact XXXX XXXX of NY pertaining to improper billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from 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 explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XX/XX/18, received a collection notice from IC System stating I owe {$720.00} to XXXX XXXX XXXX XXXX, a company I haven't had an account with for two years. I called XXXX and they confirmed that I voluntarily canceled my account and my last statement when I canceled was for - {$0.00}. They confirmed that I do not owe them any debt.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX at XXXX I called XXXX XXXX to f gain access to my account due to recent fraudulent activities. After confirming and verifying my personal information, including full social security number, they told me that they couldn't help me gain access until I provide my full name, address, dob, user id for which I did. They then sent me an email which I verified as well. He tells me it takes 24 hours to verify who I am and I explain I need access to the account and I can't get into it. I request management if he can't access give me a manager who can and they transfer me to another supervisor. They advise there are no managers and they don't have an escalation process. They forward me to another supervisor who tells me that they don't have managers. I insist on management and escalation and they forward me to an additional supervisor who reports to me that their manager is home putting his children to bed. I insist on speaking with a manager, they transfer me to yet another supervisor. I'm close to two hours requesting management to access my financial account and they advised me that I can stay on hold till tomorrow but I will not get a management. They have refused management and have no access to my financial information and they refuse to close the account due to this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CA

Complaint narrative:
I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a call from XXXX and XXXX stating i owe money from XX/XX/XXXX. and that they send me a letter but i never received any such letter, so what are my option am over sea in the military and i cant take care of this matter.

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