vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received correspondence from U.S. Dept of the Treasury that my my tax returned in the amount of {$3900.00} was intercepted by Navient - C/O XXXX XXXX Higher XXXX XXXX XXXX On XX/XX/XXXX I immediately contact the number listed ( XXXX ) XXXX. Since then I have spoken to several individuals who can't seem to understand why my income tax return was intercepted. This student loan was first taken out in XXXX and paid in full in XXXX. Since then I have been bullied and harassed by different collection agencies such as ( XXXX XXXX ; Navient ; XXXX and XXXX XXXX Higher XXXX XXXX. On several occasion I have requested from Navient and XXXX XXXX to provide me with a copy of the promissory note that I supposedly agreeing to for a loan consolidation. I have since then requested proof of this loan, the amount owed, the so called promissory note and have not yet received a response to my request. In XXXX they again intercepted my Tax Return which I argued and due to facing financial hardship requested they release my Tax Return. Navient pressured me into agreeing to enter into a forbearance in order to release my Tax Return. Also, as they so called it " place my loan on good standings until this loan was further investigated. Since XXXX I have received no correspondence, my numerous telephone calls have been dead ends. No documents have been provided to the legality of this so called loan. I am still waiting on Navient 's response. A class action law suit was filed against XXXX XXXX for which I received a post card and instructions that I would be entitled to reimbursement of part or all of my loan due to over-payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NJ

Complaint narrative:
My payment of XXXX is past due this month. I'm enrolled in direct deposits and they have billed my bank account before. I have two emails. One that direct deposit would come out on XX/XX/19 and one from XX/XX/19 that payment was received. On my online account, no payment is posted. I'm also not in the direct deposit ( which I don't understand why ) and those two emails above are nowhere to be found in my account related letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: PA

Complaint narrative:
XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX   's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank of America credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, and XX/XX/2017 & XXXX & XX/XX/2017 - 30/60/90/120 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: VA

Complaint narrative:
I have submitted more than 15 pages of documented proof to Equifax that an account reporting on my record is fraudulent. I have also submitted 2 FTC Identity Theft reports along with substantiating proof to have Equifax block the account from reporting on my record. It is a loan from a non-US based bank in XXXX XXXX/ XXXX XXXX XXXX a balance of appx. 50k. I have been disputing the fraudulent account with Equifax since late XXXX / XXXX XXXX, and they continue to irresponsibly state the information will remain on my credit report. 

After continuous disputes, Equifax remains to ignore my federal rights per FCRA governing statues and continues to dismiss my claim of fraudulent activity. XXXX has contacted Equifax on my behalf to also block the account. 

Additional steps I have taken have been to put a fraud alert across all three CRAs to protect the integrity of my credit report. However, even still Equifax continues its abusive practice of deliberately and maliciously reporting the fraudulent account. After in depth consultation with my attorney, I've exhausted all of my available resources and am now filing a formal complaint with CFPB before moving to take aggressive legal action for damages/ punitive damages to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I was in the process with a wire transfer {$75.00} via the CashApp, the app allows you to send money to a person in your contact either by phone number, name, or the profile name created.

My friends profile did not populate but another person did who is not in my profile, and the funds was captured by a person with a profile name " XXXX '' This is not my friend and upon the funds being captured I sent this person a message to decline this money transfer, I emailed the Cashapp and they advised once the money has transferred even if I didn't authorize it, they can not refund me back and I will have to reach out to my bank.

I spoke with my bank they cancelled my card and a full dispute. However Cashapp petitioned my dispute stating that I authorized it therefore my bank which is XXXXt XXXX XXXX re-couped my {$75.00} from my account. My bank gave me the phone number of the person who captured my money and this person I do not know. The phone number does not exist in my phone and I did attempt to call the number and it has got un-answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank XXXX XXXX credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
For the record, I do not have a loan on my XXXX XXXX XXXX, have never had a loan for this vehicle, nor have I ever had a loan with JP Morgan Chase- except for a credit card, which I pay off each month. 

On XX/XX/XXXX, JP Morgan Chase ( XXXX ) stole my car. At XXXX I called the XXXX XXXX County Police, Virginia ( XXXX ) to report my XXXX XXXX XXXX stolen. I was told I can not report it stolen, as Chase Auto Finance repossessed it, and they refused to take a report or review any documentation. I have a clean title issued by the Virginia DMV showing it is my car, and there are no liens against it. 

Background : On XXXX XXXX, XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). I purchased it on part credit card ( {$2500.00} ) and with cash from my bank ( $ XXXX which was not a loan or financing from a financial institution ). I have never had a loan with Chase in my entire life. 

I received the title ( attached ) from the Virginia DMV, issued on XXXX XXXX, XXXX. There are no liens against it. I purchased a DMV report from the Virginia DMV on XX/XX/XXXX, also attached, showing that there are no liens against it. The dealership also provided me a report on XX/XX/XXXX showing there are no liens against the car from the XXXX  system ( attached ). However, XXXX 's refuses to provide me a copy of the prior title showing whether there was a lien previously or not. 

Chase has no right to my car as they did not legally perfect the loan making this a lien loss. Chase refuses to provide me any information or talk about the vehicle, as the loan in question is not under my name. The XXXX XXXX County Police provided me the phone number of the tow company, which I found is XXXX XXXXXXXX XXXX XXXX   in XXXX, VA, XXXX. 

The intermediary Chase used to repossess the car is XXXX, XXXX. 

Note : I wrote VOID on my title to prevent someone from copying it. The title is current and in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I  shredded their credit car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX  's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX  to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX  my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX  took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and GM Financial auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
EQUIFAX AND XXXX  is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've been sending dispute with Equifax for a couple years now about a collection agency XXXX .There reinserting 2 collections that been disputed and deleted a couple times. The company deleted and then resell the debt to another collection agency. This debt not mine and I've showed these agencies the proof and it's still being verified as mine. XXXX has deleted from my report as well as XXXX   but Equifax continues to ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
XXXX AND EXPERIAN is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : XXXX XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX XXXX Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

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