vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX.  WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX  CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT

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 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XXXX/XXXX/2017 after repeatedly advising Navient reps to stop calling every five minutes the following letter which will offer CFPB insight into my issue with this company. Dear Sirs, I have a loan with Navient, originally with XXXX XXXX. My loan came out of deferment the same week I lost my job. I advised Navient I had no resources to pay and asked to extend my deferment. My co-signer could not assist with the payments. XXXX XXXX was not aware she was a co-signer and she lives on a SSI fixed income. I will graduate by EOY and expect to find viable income and had planned to set up some type of affordable payment arrangements with Navient to satisfy my debt, BUT in light of the fact that Navient has terrorized me and my elderly mother I am now determined to seek solace from the Navient with the help of CFPB. Navient call our home and cell phones 7 days a week beginning at XXXX in the morning until XXXX at night. A print out of our cell phone bills and house phone shows that Navient calls back to back within minutes. The phone records also show that the calls per day are at minimum 10 times per day even when we speak to a rep. One Navient rep informed me that Navients phone lines are not linked therefore they can not see each other 's notes. Supposedly each office is independent and not aware when another office makes customer contact! Huh? Another Navient collection tactic is they use many many different numbers. I started creating a new contact for every Navient call. I am now up to 5 contact numbers. This is harassment in the highest form. I worked collections for 3 years and was extensively trained in FDCPA rules and Navient has violated every rule. I am forwarding this letter to every credit and government agency and the BBB. No one should have to suffer collection efforts ALL day EVERY day. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Patrick K Willis Company Inc
State: LA

Complaint narrative:
Today sb investigations contacted my boyfriends parents being very demanding and rude. Then also when I called and asked them to cease and desist they stated that they will keep contacting me and my family regardless of what I do. Then they did n't state the mini Miranda also XXXX, which is an investigator, posed as the owner of the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
i have already took action for this and requested the creditor to remove the late payment for the month of XXXX 2017, i have send my payments online and onetime, it has to be a banking error for which has reflected my credit bureaus. therefore i need your help in order to have this inaccurate delinquency to be removed from my creditor and the all three major bureaus thank you for your cooperation.

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 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Coinbase, Inc disabled my account ( I use their XXXX app ) with no apparent reason. On that same date It tried to have the problem fixed on their website, and they mentioned that they needed to email XXXX, and include a picture of my driver 's license. I emailed them, and then I got and autoatic reply saying they no longer have email-driven customer support, but instead I had to go to https : //support.coinbase.comXXXX XXXX XXXX XXXX XXXX XXXX I once again, did that on the very XX/XX/XXXX. On XX/XX/XXXX, I went again to the above URL and submitted another request for support/ticket as I Had n't received any response, nor resolution has been given to my issue. This is becoming frustrating as I have around XXXX ETH in my Etherium wallet, around USD {$1500.00} back them. I 've missed several opportunities to make some profit due to fluctuations on the ETH price. I believe Coinbase, Inc is not following proper customer support ( actually its support is awful ) for an institution that deals with people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: MA

Complaint narrative:
I have XXXX credit inquiries in my credit report that are not made by me. XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX, XXXX, XXXX/XXXX and I called their customer service would not help and take care of the negative inquiries reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my Experian credit report and there is a discrepancy that says I owe several hundred dollars for medical services that I did not receive. I have been on the phone with XXXX twice, each time for more than an hour. In fact, as I am typing this, I am on my 65th minute on hold. Experian has identified that the person who owes the debt that is on my credit report has a different name than me and that the debt collection agency does not have a social security number on file. I already submitted a " dispute '' 30 days ago and it was declined. Experian is telling me that the collection agency has the right to put it on my credit report since they do not have a social security number for the person who received the services. They also now are telling me that it is my responsibility and my burden to prove that I did not receive these services and that I am not XXXX XXXX. They are also saying that they will file another dispute letting the company know the issue, which they already did and it was already rejected. How is it that someone can damage someone 's credit report by guessing who owes the money and then it falls on the innocent party to prove that they did not receive those services and that they are not the person who owes money? It has left me with only an option to seek an attorney at this point.

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 2017-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a self-directed online brokerage account with XXXX XXXX, called XXXX XXXX, in XX/XX/XXXX. Thereafter, I received marketing material from Bank of America ( " BofA '' ), promoting the benefits of opening checking and savings products with Bank of America. Of the benefits listed, BofA noted that an aggregate balance of above {$10000.00} would result in the waiver of maintenance fees. BofA specifically notes that the value of a XXXX XXXX account, combined with the value of all BofA accounts, will qualify a customer to receive this waiver. In XX/XX/XXXX, I set up a BofA checking count, and shortly thereafter successfully linked my BofA and XXXX XXXX accounts. I received verbal confirmation that this took place. In XX/XX/XXXX, the aggregate balance of my BofA and XXXX XXXX accounts surpassed {$10000.00}. For two pay periods until XX/XX/XXXX, BofA nonetheless charged a monthly maintenance fee to my checking account. Upon calling BofA in XX/XX/XXXX, they made an excuse that my accounts were not linked, which in fact they were. They apologized, credited my accounts immediately, and confirmed verbally that the accounts were in fact linked and that I qualified for the waiver. In XX/XX/XXXX, I discovered that my checking account continued to be charged a maintenance fee. Upon calling BofA, they again stated that my accounts were not linked, and instead blamed XXXX XXXX for the problem. My XXXX XXXX representative called BofA to resolve the problem, and BofA again claimed that the accounts were not linked. Further, they mislead the BofA representative, and claimed the accounts needed to be valued at above {$20000.00} to receive the fee waiver. Shortly after the call, and without my knowledge, BofA corrected an error to mask that the accounts were never in fact linked, and failed to notify me of this correction. This directly contradicted a year 's worth of service, during which they mislead me to believe that my accounts were linked. Upon calling BofA to speak to a supervisor, the supervisor acknowledged that they had corrected the error, finally, without my knowledge, and assured me they would document that they had acted without my knowledge. I believe BofA intentionally broke their promises to me. They failed on the several occasions noted above to fulfill their promised services. They further, surreptitiously, tried to cover up their failures. Then, when confronted, they apologized and made excuses as to their series of error and misconduct.

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 2017-08-21 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: WA

Complaint narrative:
I applied, and was approved for the XXXX XXXX XXXX Credit Card from American Express on XXXX XXXX XXXX. The card had a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within the first 3 months. I completed this {$3000.00} spend by the end of the 3rd billing cycle XXXX XXXX XXXX the XXXX ). The agreement states the following : " XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6-8 weeks after the spend requirement has been reached. '' It is more than 10 weeks since I completed this spend requirement and I have not still received the XXXX XXXX XXXX points bonus. I have called American Express 4 times regarding this, they have escalated this issue 3 times however they have not done anything about it. American Express has clearly violated their end of the agreement and I would greatly appreciate if the Consumer Financial Protection Bureau would help me settle this matter. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This complain is about Navient Corp and how they handle payments made toward the principle and interest. My wife and I for five years rounded up on our payments to Navient thinking the extra money paid each month would go towards our principle similar to other loans for housing or vehicles. This is not the case with Navient, in order to pay down principle a written letter has to be sent with payment explaining that the funds deposited are for principle and not paying interest. For years we were lied to about how this is handled. Should n't anything between the minimum payment and a payoff go towards principle. Why would would anyone intentionally pay off interest early. Personally I believe all extra funds deposited should go into an escrow account for the barrower until the end of the fiscal cycle. At the end of the cycle the barrower should be prompted to either use the funds for their first payment of the year or it should all be deposited against the principle. Thousands wasted and nothing to show for it. So much for trying to pay ahead and decrease the amount I owe over a period of time. Just another one of their dirty tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: PA

Complaint narrative:
In XXXX, XXXX, I received a second bill from XXXX XXXX for a visit in XXXX, XXXX for which I had paid at the time with my check card. In the interim, my credit union had voided my card and issued a new card due to a potential problem with card numbers being stolen. I NEVER received a first bill from XXXX XXXX. I had no idea there was a problem with the payment. I immediately paid the amount owed via their online payment service, XX/XX/XXXX. Approximately 2 weeks later, I received a bill from a collection agency, Receivables Management SystemsXXXX XXXX XXXX XXXX, XXXX, VA. I called this company and informed their representative that the bill in question had been paid by me. The representative confirmed this, but indicated that the collection would nonetheless stay open. On XX/XX/XXXX, I received another notice from Receivables Management Systems threatening to turn information over to credit reporting agencies. This, despite the fact that they had previously confirmed that the original bill was paid by me. This is pure harassment. The fault lies with XXXX XXXX for not informing me of the billing problem, and secondly with Receivables Management for continuing to contact me over a bill which they confirmed had already been paid.

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 2017-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America Child Support prepaid card services and supervisors are refusing to deposit my money. The two payments were made in XXXX. They went to " pending '' but NEVER posted to my account. One was on XX/XX/XXXX for a total of {$400.00} and the second was on XX/XX/XXXX. I 've spoken to Bank of America at least a dozen times regarding this matter. I have submitted all documentation that they have requested. I have been hung up on by supervisors at least four times. I have contacted and gotten documentation from the child support agency for the state of Maryland, gave a supervisor of Bank of America the transaction numbers and the check numbers. They said that child support agency of Maryland did not fulfill these payments. Which I have proof of otherwise. I have documentation from Bank of America showing the pending deposits, and that they were never posted to my account. In XXXX of XXXX there was not one transaction made, not a deposit nor a purchase! I have experienced very rude and disrespectful conversations between myself and supervisors of Bank of America. I have all supporting documents from the state of Maryland and from the Bank of America website showing that nothing was deposited on these matters. Every time I 've spoken to a different customer service representative and or supervisor I have been given different reasons on why the payments we 're never deposited. Despite me sending all of my supporting documents, I have just been turned away and or hung up on, or given the excuse of a glitch in their system. I would not recommend Bank of America to anyone. If I had a choice I would definitely go through a different bank! Please help me! Thank you very much!

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 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a notice in the mail, dated XXXX XXXX, XXXX, from Wells Fargo Home Mortgage stating that I had a escrow account shortage of {$4900.00}. My mail was being held by the post office, so I did not get the mail notice until today, XXXX XXXX, XXXX. The shortage was caused, allegedly, by Wells Fargo buying home owners insurance due to a cancellation of my policy. In fact, a cancellation notice had been sent due to a late payment. Full payment was made and a reinstatement notice was sent. Wells Fargo claims it never got the reinstatement notice. My insurance broker stated that if Wells Fargo got the cancellation notice, it got the reinstatement notice, Wells Fargo 's attempt to get {$4900.00} from our mortgage account is the result of gross negligence or a deliberate attempt to bill for unneeded insurance..

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 2017-08-21 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:
I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At XXXX point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

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