vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..

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 2018-03-05 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal. 

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..

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 2018-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: FL

Complaint narrative:
This complaint involves two issues. The first issue I had was that Conduent loan services did not credit my account with the correct amount that I had paid. They had shorted me by about {$250.00}. After multiple phone calls, first to XXXX, ID number XXXX, and then to XXXX, ID number XXXX, the issue was finally resolved. It took way longer, about a month to resolve this, than it should have. Thankfully, I pay attention to my records, or would never have known about this issue. The second issue I had was receiving another borrowers personal information in the mail. I opened the mail, as it was sent to my address and I have loans serviced by Conduent, so I thought they had put the wrong name on the correspondence. Upon opening the mail, I realized it was someone elses application, with her personal information on it. I was horrified to think that someone might get a copy of my personal identification and financial information in this way. I called Conduent to report this error and the customer service rep was extremely rude and said clearly the mail was addressed to someone else, as if it were my problem that I opened mail from a servicer I use that was sent to my address. He told me to return to sender. I asked his name and ID number and he hung up on me. This was on XX/XX/2018. I am extremely concerned that an organization such as Conduent is handling money and personal information from me and many others. My confidence in this companys professionalism and financial management capabilities is extraordinarily low.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " XXXX   XXXX '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
NCC Business Service for amount of {$4000.00}. I have sent NCC Business Services a debt validation on or about XX/XX/2017. NCC Business Service has not responded to my debt validation and has not removed them-self from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Per the attached Home Affordable Modification Agreement, I'm confused by it's wording. I want to pay off the balance early but when I calculate the amortization schedule it calculates out to a 37 year, 1 month payoff schedule. Per the chart in the attached file named " Existing Loan Information XXXX '' : The listed " Contractual Remaining Term '' of 37 Years, 1 Month. The listed Contractual Payoff Date is XX/XX/XXXX so only 17 Years 7 Months from date of XX/XX/XXXX and not 37 years, 1 month. 

In addition, page 2 of the HAMA shows years 1-21 and  total monthly Payments of XXXX from XX/XX/XXXX. I understand and accept there is a deferred principal balance balloon payment of {$21000.00}. I'm disregarding that balloon balance in my calculations but using my current balance of $ XXXX 4.00 % interest and a current P & I payment of {$1200.00} to calculate amortization schedules. 

I need a knowledgeable representative from my current servicer Bank Of America to contact me and explain the amortization to me. I would also like some options in paying it off early.

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. 
Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom Can Help Us : Problem : Chase Bank charged excessive fees over a period of XX/XX/XXXX-XX/XX/XXXX * Total Amount of Fees Charged During Period : {$9900.00}. 
Highest Fee Charged in One Month : {$660.00} Two Service Fee Charges in One Month : Many Source : XXXX XXXX XXXX Chase Bank Statements * NOTE : I was extremely ill for a long time when these charges were happening or I would have addressed them at that time. My illness led to my retirement from XXXX and I'm on XXXX XXXX. 

XX/XX/XXXX- As I finally slowly been getting better, I'm questing every significant value that makes no sense in my lifestyle. Given this, I sent a secure message to Chase Bank ( my bank ) expressing my concerns and I was going to get to the bottom of it starting with downloading my online bank statements from XX/XX/XXXX-XX/XX/XXXX. AND I found Chase Bank charged me excessive Cardmember Services Fees. These fees were charged to my personal checking account for my business account, XXXX, XXXX. 
XX/XX/XXXX- Chase said they would forward my message to Chase 's credit card team. I never heard from Chase credit card team until much later when I called them. 
XX/XX/XXXX-XX/XX/XXXX- Chase Bank stalled by demanding my husband or I present the 16-digit credit card number ( s ) for XXXX, XXXX credit card. We didn't have the cards anymore. Chase closed XXXX credit card in XX/XX/XXXX. We shredded our cards. All receipts from my XXXX files showed only the last 4-digits of the credit card number. 
XX/XX/XXXX Finally, I talked to Chase " HQ '' and within 15 minutes I had two 16-digit credit card numbers associated with XXXX business checking account, which Chase did NOT charge fees ; BUT charged excessive fees to my personal checking account. 
XX/XX/XXXX Using Chase secure messages, I provided Chase with XXXX 's 16-digit credit card numbers for my husband and for myself as given to us by Chase " HQ ''. 
XX/XX/XXXX Chase 's secure message response didn't mention the 16-digit credit card numbers, rather they made comments like : They couldn't pay statements older 6 years and they couldn't pay all charges owed, they couldn't ... 
XX/XX/XXXX This is the day my husband and I stopped communicating with Chase and sought guidance from professionals who know how we should proceed from here. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I received a promotional offer by mail from American Express for a Gold Delta Skymiles card. The promotion offered 60,000 bonus miles and was to end by XX/XX/XXXX.  The flyer I received was directed to me personally, as it contained my name and my Delta Skymiles number. Given that I was a frequent flyer on Delta, I responded to the offer and received my card in XX/XX/XXXX. 
The requirement to earn the bonus miles was to spend {$1000.00} within the first 90 days. I had done that by the end of XX/XX/XXXX. I have my XXXX statements that confirm this. By late XX/XX/XXXX, when I had not received my bonus miles I called XXXX  customer service. They assured me I would be credited with the miles, but it would take 6-8 weeks. I called again in mid-XX/XX/XXXX, well past the 6-8 week estimate and was again assured that I would get my bonus miles, but there was a problem between XXXX and Delta getting the data entered. I called In XX/XX/XXXX and got, essentially the same message. I was told at that time that a number of people were having the same problem with this promotion. 
In late XX/XX/XXXX, I called Delta and they connected me with XXXX   customer service. I was told that their records showed no promotion associated with my account, but they saw a note that detailed an inquiry they had made to marketing or some back office group in XX/XX/XXXX. The XXXX customer service rep said there was no record of any reply to that inquiry. He also said that all he could do would be to put in another inquiry. In XX/XX/XXXX, I sent a letter to XXXX  headquarters in XXXX XXXX, TX with most of this information, to include a copy of the promotional mailing I had received. I've had no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
called in XX/XX/XXXX and scheduled two payments with my mortgage company. I was told I was given a forbearance until XX/XX/XXXX over the phone but when I called in they told me that was incorrect. I realized I made the payment with an incorrect loan number. I was misadvised XX/XX/XXXX and told I couldn't delete payments over the phone and could only do it by emailing their customer service. I set up two payments which would have satisfied XX/XX/XXXX and XX/XX/XXXX set up payments for XX/XX/XXXX. I called in today XX/XX/XXXX and was told my payment was never taken for the XXXX I set up on XX/XX/XXXX but only was told yes payments are there when asking for a manger. I know because I was miseducated about the forbearance and the payment process it was to only further put me delinquent so I could be pushed into foreclosure. I was miseducated and intimidated to only take my phone

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 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: TN

Complaint narrative:
I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's  and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: CA

Complaint narrative:
This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. 

Santander Conumer USA XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: TX

Complaint narrative:
The Story This is basically an office front that will look for bank financing for you to purchase panels and then subcontracts out to local companies to install solar panels. My project took nearly a year, when initial estimate was 3-6 months. My project manager quit that company, which was a red flag, but the panels were already delivered. I didn't know if I could cancel at that point, but I probably should have asked. 

They used one loan company, XXXX XXXX, to obtain the 50 % down portion ( {$21000.00} ) and in the middle of the construction, switched to a second loan company, XXXX XXXX , XXXX promising to pay off the first loan, but they never did, leaving me with 2 loans for 150 % ( {$63000.00} total ) of the promised cost. Once I found out, magically, no one answers the phone at XXXX XXXX. I called both loan companies to try to find out what my options are, but I couldn't get any help from either of them. Half of the money obtained from XXXX should be going to XXXX XXXX to pay off the first loan and I feel defrauded and asked for help, but got none. 

After months of calling and trying to communicate with the Finance dept at XXXX XXXX, the Finance chief quit the company and told me that it would be unlikely that they will refund the money owed. They knew what they were doing when they made false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in process.

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