vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 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: NC

Complaint narrative:
This is about the 3rd time I have had to file a complaint against equifax for reading accounts back to my credit report which could not be validated as belonging to me and then they re add the accounts without giving the proper notification. On top of XXXX XXXX not being able to validate a debt they just keep sending an account summary which according to the FCRA does not validate a debt, Equifax refuse to remove it and they keep reading XXXX XXXX Accounts back to my credit report. XXXX XXXX has to accounts one is XXXX   and the other one is {$550.00} they just keep adding these accounts back to my credit report ruining my credit worthiness and not caring just been consistently reckless and their supervisors are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: GA

Complaint narrative:
In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use {$3000.00} dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the {$3000.00} dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XX/XX/XXXX ( more than 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now 6 months since the card opened, and 4 months after the requirement met and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. I got this credit card because I planned traveling for XX/XX/XXXX, which was cancelled due to the lack of miles. Now we are in need of another trip in XX/XX/XXXX, and the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation. Their responses have been vague and not satisfactory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 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: CA

Complaint narrative:
I have been in a constant battle with Experian Credit Bureau for the last year and a half. They have ignore my request to dispute fraudulent accounts manufactured in my name, and they have never sent me any information about them investigation my concerns. They are the only credit bureau reporting this inaccurate information, and what sucks is they are used the most by creditors for financing. 

Fraudulent Accounts XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # 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 2018-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We are behind on our loan. I have called over 3 times to try to get payment assistance. Each time I was on hold over 18 minutes and one person had me on hold 37 minutes. After trying to get help I was sent an act 91 notice with over 500.00 in fees added to my mortgage. In the meantime I have spent over an hour on hold  trying to get help. Today I set an appointment with XXXX XXXX to discuss home modification. Appointment time XXXX. I waited 35 mins. She never called me. All while wells Fargo says they want to help people. Yet they don't even answer calls

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I notified TD Bank escrow department that there was a duplicate insurance payment and they would receive a check for XXXX from the insurance company. I requsted the escrow accont be revised and a refund for overpayment. On XX/XX/XXXX I sent a fax requesting the refund as I had not received the funds. On XX/XX/XXXX my escrow account shows a disbursement for XXXX however it has been 2 weeks and I have not received the funds. In addition, I spoke with XXXX XXXX, customer experience Advocate regarding this situation. She assured me a check had been issued and due to the previous problem with my tax payment, and the delay in refunding the suplus in the escrow fund, TD agreed to refund the remaining escrow funds of XXXX and discontinue all escrow. That refund has not occurred. I respectfully request my surplus funds ASAP. 

If I do not receive the funds in a timely manner, I request interest be paid to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
pop up on credit i wasn't aware of debt or this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: LendUp Loans LLC
State: CA

Complaint narrative:
This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I sent money to an individual through the XXXX app which is partnered with my bank, PNC. I was scammed and the item I paid for was not provided and the individual has since disappeared. I filed a dispute with my bank and after 2 weeks they said there is nothing they can do about it. I have spoke to several reps at PNC Bank and was even transferred to the escalation department and was still told oh well we cant refund your money because you initiated the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: OR

Complaint narrative:
I have sent 3 certified letters to XXXX  XXXX  and XXXX  asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.

I called XXXX XXXX  and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX  to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.

OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX  where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX  I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.

I originally thought that since XXXX XXXX  claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XX/XX/XXXX I closed on my home HUD ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at closing, as is common, I prepaid homeowners insurance for 12 months. Within the first month, I began receiving late notices with regard to my homeowners insurance being late however, it had been paid in full at closing. 

My lender ( Freedom Mortgage ) was also contacted by the insurance company regarding the insurance and subsequently, I received correspondence threatening forced placed insurance. I contacted Freedom Mortgage and my insurance company to no avail.

On or about XX/XX/XXXX, I had been forced into a situation where I had to take action. I contacted a new insurance company ( XXXX ) and obtained new homeowners insurance. Within 30 days, I eventually received a refund check from XXXX XXXX XXXX when they realized they had alread been paid. 

On or about XX/XX/XXXX, I received a letter from Freedom Mortgage that my escrow account was short. I contacted Freedom to be informed that they found my account to be short thousands of dollars! 

Upon further investigation, about 2 weeks later, I discovered that Freedom Mortgage had, without my knowledge or consent, paid over {$1000.00} additional out of my escrow account in homeowners insurance ( knowing it had been paid at closing only 30 days earlier ). 

The customer service representative seemed as shocked as I was when we discovered where the monies had gone. However, I was subsequently informed that I would have to recover the missing funds, was provided no time to recover the money, and was provided no assistance with documents I requested regarding pay outs, etc. I was also informed I would need to pay additional payments as they were raising my monthly mortgage payment. 

I sent a letter to Freedom Mortgage on or about XX/XX/XXXX requesting they temporarily return my payment to its original amount, provide payment related documents, and assist me in the recovery of the missing money they had mistakenly paid out. 

I have received threatening calls and multiple collection/threat letters, but no answer or assistance from Freedom Mortgage. I can't even prove any additional monies were paid out without their assistance. 

I had no knowledge of any additional payments erroneously paid by Freedom Mortgage and believe it is ludicrous that I should be blamed and saddled with the burden of inflated monthly payments and the collection of my money which had been held in trust by Freedom Mortgage. 

I will work with the lender to solve this issue but I need assistance. I did not have any idea that these funds had been mishandled and should I have known, I could have been attempting to correct the issues. 

Please feel free to contact me XXXX. 


Thank you, XXXX 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 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX started calling me and my family members. I answered his call today and they informed me my navient loans had gone to a collection agency. Apparently navient sold my loans to a company named XXXX and did not tell me nor did the company XXXX. So without any notice we did not know we had payments to XXXX because the navient website says XXXX balance. We received nothing in the mail or email and the harassment from the XXXX XXXX XXXX began. We would like to join the class action lawsuit against navient for illegal practices and damage to our credit, or they face consequences for their actions. The total of the loans are approximately {$400000.00}. We finally have setup a payment plan with XXXX XXXX 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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My XX/XX/XXXX Total Student Loan debt in the amount of {$8500.00} owed to Sallie Mae, parent company on Navient, was discharged through Chapter XXXX Bankruptcy, In XX/XX/XXXX-XX/XX/XXXX Navient began to sending statements regarding this balance. They wanted me to begin making monthly payments. I did not believe I owed this debt since it was discharged in the bankruptcy, however I also did not believe I had any legal recourse or the funds to fight this in court, so I filed for forebearance and was approved in late XX/XX/XXXX. As of XX/XX/XXXX I am supposed ti begin repaying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been trying since XX/XX/2017 to lower my monthly payment on my student loan. I had it in forbearance for a year and called a few months before the forbearance to try to get the payment lowered. I am a single mom and know I cant afford to pay what they were asking but I still wanted to make some sort of payment. I was told they could only lower my payment by {$25.00}. That was not enough at this time I can not afford to pay almost {$300.00} a month to my student loan while also paying for daycare and preschool. I begged them to help me. Give me a year of lower payments just until my daughter starts kindergarten in a year and I will pay more. But they have refused to work with me. I keep telling them what I can afford and they just keep raising the payment. I know I will have to pay more interest and it will take longer to pay the loan off but right low I just need to payment lower. I still want to pay I just cant afford what they want as a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation

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 2018-04-17 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX  to remove the inquiry from my credit report and resubmit it it to the 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 2018-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.

Company response to consumer: Closed with explanation