vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Tonight I was checking my various credit reports in preparation for ordering a credit card from my credit union. There are only three major credit bureaus, so I thought I'd request my free annual reports from each. No problem with XXXX or XXXX. But with TransUnion, a big problem..

TransUnion produced a report that was incomplete. It either never found out about, or left off for reasons unknown, information about my past employment and finances that would dramatically improve my creditworthiness ( which was okay to begin with ). But that's not the big problem. The big problem is fraud.

TransUnion claims I ordered " 3 Credit Bureau Monitoring '' and other useless financial services. TransUnion claims I ordered this service for {$24.00}, which it automatically billed to my credit-union account _without verifying this order with me._ But I purposely did not order the service. In fact, I purposely hit the " Cancel this Order '' button just in case this was the sort of trap that it indeed turned out to be. I was tricked.

Now I must wait until the morning, after the debit exchange has transacted, to make my case with a TransUnion operator who may be working the line from XXXX or XXXX, and who inevitably will argue that it's impossible for them to cancel the transaction and refund my cash. Belatedly, I received email ( attached ) that indicates I did indeed cancel the service, but not before TransUnion extracts its {$25.00} blood-money. 

A lot of people may be falling into TransUnion 's trap because its webpage is a confusing melange of everything under the sun. The CFPB should investigate TransUnion 's abusive treatment of visitors to its website who are seeking information guaranteed to them by law. It's obviously too easy to do what's to TransUnion 's benefit, not the visitor 's. 

I am absolutely astounded that the company can be so cavalier with the trust of those on whose information it makes a pretty penny and still expect us to welcome its unwanted provision of services that depend on trust. This is pure entrapment. I will never do business with this company again. Never.

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 2019-01-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have sent a letter to Wells Fargo ( XXXX ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted XXXX dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted XXXX  dispute receipt showing when you received my dispute showing all the accounts I have disputed.

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 2019-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently in a Rate reduction plan but it is still too expensive and navient was unable to include all my loans in the plan. They are very confusing and made me say yes to this new rate reduction plan. I feel that they have misled me numerous times.

At one point a supervisor named XXXX XXXX stated if I submitted bank statement in XX/XX/2016 then my lifetime interest rate for all my loans would be 1 % this information was never told to me then specifically otherwise I would have tried to make that work. 

I wish Navient can be investigated further regarding my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
This is my second complaint against the Company Navient ; I have seen their response and was forced to place a second complaint on the collections agency. I have just received an email from Navient and was told that my taxes may be deducted. If CFPB ( consumer financial protection Bureau ) did not have a section to file a complaint against any sort of company or enterprise or franchise then we as students may never recover from debt collectors. To educate oneself is to free their mind and being in debt is stressful for ; above average percentage of college students. Badgering and threatening a learner is not abiding. I am willing to pay a settlement that I can pay in which your company Navient has not given me the opportunity to do. {$80.00} every two pay periods should not be a difficult payment arrangement to agree with. I just want my loan paid off and my living expenses up to par. 

Humbly Written, XXXX XXXX Furthermore It is best to reach me via email at XXXX ; my work hours get in the way of phone time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 2 collection agencies trying to collect a debt i dont owe. I disputed this debt numerous times but unfortunately the credit bureaus would not remove it. I just received another offer from a different agency than the one thats on my credit report. Since nobody knows who I should pay then it should be removed from my report until a fair investigation is completed. I dont owe this debt. I never opened any account with 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 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal overdrafted my checking account to pay my credit card bill without my permission. Then closed the account. The amount is {$12.00}. I don't have a problem paying the {$12.00}, but I never authorized that payment and others they took. This is a financial crime that needs to be investigated. It happened in XX/XX/2018. I'm not sure of the month. When I called they tried to get me over to a collection agent and I tried to explain what happened and they continuously tried to collect the {$12.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2018 in an attempt to pay off my second mortgage with XXXX XXXX. I wire transferred {$450.00} through XXXX XXXX to XXXX XXXX 's specific account. XXXX XXXX 's account number indicated that Wells Fargo Bank was the Bank holding the account. XXXX XXXX listed Wells Fargo home mortgage as the beneficiary rather than XXXX XXXX. The money also was inadvertently sent to MD rather than XXXX XXXX. The money was delivered into the account as confirmed by the tracking number. XXXX XXXX never received the money. According to Wells Fargo, they obtained the wire transfer money from XXXX XXXX. On XX/XX/2018 I received notification that Wells Fargo was transferring my home loan to XXXX XXXX XXXX. Prior to the transfer I contacted Wells Fargo whom indicated that they would be transferring the wire transfer to XXXX XXXX XXXX. According to XXXX, they did not receive the payment wire transfer. XXXX confirmed that they opened an investigation regarding the wire transfer money from Wells Fargo. Wells Fargo allegedly opened an investigation regarding the wire transfer and then closed the investigation and my account. I have requested a payment history with Wells Fargo, whom as of today 's date has refused to produce any copies or indication as to how the {$450.00} was applied to my account. My loan is an ARM loan ( adjustable rate note ). Pursuant to my note, when and if I make an additional payment, " I will tell the Note Holder in writing that I am do so. I MAY NOT designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. '' Page 2 or 4 item 5 Borrowers Right to Prepay of Multistate Adjustable Rate Note. At no point in time did I authorize the payment of {$450.00} to Wells Fargo nor did I indicate in writing that I wanted the inadvertent payment to be applied to my principal as a prepayment. Upon transferring of my home loan XXXX committed the same error. On XX/XX/2018 I confirmed with XXXX   that they had finally received the {$450.00}. They opened an investigation. They NOW are also applying partial payments as " curtailment '' payments and violating the contractual adjustable rate note. I have filed a complaint with the FDIC and XXXX regarding the wire transfer. I have also sent Wells Fargo a letter, in which I have received contact from XXXX XXXX regarding the issue of the wire transfer and requested payment history. In the letter I requested a payment history. It is my belief that Wells Fargo has committed a fraudulent act with criminal intent to place my home loan into default leading to foreclosure.

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 2019-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
some time on or about XX/XX/XXXX talk with a representative at chase card and explain that we had XXXX in the family in XXXX XXXX  which was my dad. so on or about I receive a Letter to contact the bank if I need help. and I explain the representative that I do not believe we need help and that I would be in to pay the past due on or about on XXXX  theXX/XX/2019. and that day I pay that past due balance XXXX and this was on the XX/XX/XXXX today is the XX/XX/2019 the account is close went there was an arrangement on the account # XXXX and there is a new payment for XXXX date for the XX/XX/2019. this account is not in the red as of this day. this company have always pay it bill. I believe it unfair to close this account that they agree to help us as of XX/XX/2019 by the letter that they send to us at the crop office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CT

Complaint narrative:
I asked equifax to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Equifax also didn't produce any documentation proving that I indeed owed the debt. 

The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I have been attempting to apply for a loan modification for several months with loanDepot. I am working with a non-profit and HUD approved housing counseling agency to submit my modification paperwork. On XX/XX/18, I received a letter from loanDepot that my application was complete and that I should expect a decision within 30 days. I received no further communications from loanDepot about the status of my paperwork and then received a letter on XX/XX/18 advising me that XXXX XXXX was now my new loan servicer. When I contacted XXXX XXXX about the status of my paperwork, they advised I would have to apply all over again. This is incredibly frustrating and my counselor advises is contrary to federal law regarding the servicer 's duty to issue a decision within thirty days  of a complete file as well as their duty to send my loan modification paperwork to the new servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CT

Complaint narrative:
I asked experian to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Experian also didn't produce any documentation proving that I indeed owed the debt. The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act. 
In response to my second letter, they stated that they would not re-investigate the collections account but they did not send me any form of validation or verification proving why I owed such debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/2018, I contacted Navient to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX, Bank representative XXXX-XXXX-XXXX/cell XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX XXXX Bank telephone number Business Savings Account XXXX was opened on XX/XX/XXXX with a {$15000.00} cash deposit to qualify for a {$200.00} new account rebate offered by Chase Bank of XXXX . 
The {$15000.00} was to remain in the account for 90 days and then I would be credited {$200.00}. 
Account not credited. I called XXXX XXXX in XXXX about the {$200.00} but was told the manager was sick and she would get back with me. 
Called XXXX XXXX on XX/XX/XXXX, was told she was busy and left a message with a man who answered the branch Chase telephone that he would send an email to her. I also called her private cell telephone number with no return call. 
On XX/XX/XXXX, I went into the Chase Bank and met with XXXX and gave her documentation regarding my account. I asked to speak with the manager and was told he was not well. 
I feel that Chase is avoiding paying the agreed amount of money for opening the new business savings account and will follow up with a complaint. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX  XXXX, FL XXXX-XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 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: FL

Complaint narrative:
In XX/XX/2018, I contacted XXXX to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.

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 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I'm beyond frustrated at Navy Federal!! I keep getting fees on top of fees. I'm making deposits and then charged NSF Fees and then when debit card purchases come through which if the funds were not in my account in the first placed would be declined. But when they clear my account I'm then charged overdraft fees. I was told on XX/XX/XXXX a debit card purchase for {$3.00} caused my account to become negative, but this is only after I was charged two {$29.00} NSF Fees at the time I used my debit card {$3.00} was available in my account. This same issue happened on XX/XX/XXXX when a debit card transaction cleared my account on XX/XX/XXXX for {$59.00} but I was not charged an overdraft fee of {$29.00}. It is absolutely ridiculous to charge me NSF fees and Overdraft fees at the same time once debit card purchases ( funds are in my account or purchase would be declined ) post to my account. Spoke to XXXX the supervisor on XX/XX/XXXX and she could not tell my why I was charged {$29.00} in once instance and not the other. It's infuriating when the financial institution you bank with can't even inform you when you are or are not assessed fees. In addition to this madness I was told XXXX was submitting the {$15.00} payment again through my account on XX/XX/XXXX ( can't see it and was told by XXXX that they do not submit ACH Payments twice, yeah ok ) I was told by XXXX to make deposit ( done at XXXX XXXX  on XX/XX/XXXX while on the phone with XXXX ) and call between XXXX - XXXX on XX/XX/XXXX to have transaction processed for payment only to be told by XXXX the supervisor that it is only a process that can occur if the error is on Navy Federal and between the hours of XXXX - XXXX ( deposit made at XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation