vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My account with XXXX XXXX is still being reported. However this account was closed in 2014 when I purchased a new vehicle. XXXX XXXX  has manytimes refused to submit a timely response to my questioning concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: AZ

Complaint narrative:
I incurred student loans while attending the University of XXXX. My student loans were serviced by Sallie Mae/Navient, who never advised me of student loan forgiveness through public service/law enforcement employment. Rather, they continuously provided deferments. Only in XXXX did I learn of the public service student loan forgiveness program from a co-worker. Subsequently, I contacted the Department of Education and asked all the criteria and details to qualify for public service student loan forgiveness. I was advised to consolidate my student loans with the Department of Education and was advised step-by-step which repayment plan to enter in order to qualify. I contacted the Department of Education several times over the next few years to make sure I was on track with the right repayment plan. The last time I called, I was told that the repayment plan I was making payments under did not qualify for the public service student loan forgiveness program. I have worked for the federal government in law enforcement for 26 years. I hold Navient responsible, but the Department of Education as well for misleading guidance and information. None of the payments I have made qualify for the student loan forgiveness program. I am XXXX years old and my student loan debt is higher than the original loan amount. In XXXX tax year, only {$4.00} went toward the principal, and even less in XXXX. This started with the O'Bama administration. I did find after researching the federal register that the O'Bama administration failed to make student loan forgiveness programs known to the public and that Congress directed that measures be taken to make the public aware of such programs. XXXX, even the Department of Education was/is remiss in its duties to make borrowers aware of the proper repayment plan. I was deceived, misled and misguided by Navient and the Department of Education about the requirements to qualify for Public Service Student Loan Forgiveness programs. My student loan debt is higher than the original amount now by about {$5000.00} to {$10000.00} dollars. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I transfered {$7000.00} from a business account into my credit card, which did not have a balance, by accident. After realizing the money had been transferred into the wrong account I immediately notice the money was out of my account and not in the originally intended account I found the money and began trying to reverse the transaction via online. After no success I began to call Wells Fargo Credit Card customer service I began to call to reverse the transaction. After being transferred three times I was told I had to wait up to 5 business days to receive my money back in my account. This all took place on XX/XX/2018 from the hours of XXXX XXXX to XXXX XXXX. The final customer care person was XXXX XXXX with Wells Fargo Credit Card services. I would like to mention that all accounts involved were Wells Fargo Accounts.

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 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, XXXX and Transunion, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.

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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC
State: WA

Complaint narrative:
In general I am writing to complain about a lender ( XXXX XXXX, Branch Manager of the XXXX Wa Branch of Pacific Union Financial ) who has been dishonest, unscrupulous and misleading through this whole process. In XXXX I started a refi of my existing rental house to pull cash out to buy another rental. The lender from the start was trying to make me lie and say I was purchasing the new house to live in. He wanted me to create a bogus lease agreement of my personal residence to fool the underwriter. He also wanted me to falsify the lease agreement for the existing rental house. His intention was to try to get me a better rate. When I refused, he finally put together a loan app that was correct. On XX/XX/XXXX I was given a specific amount for cash out in the loan application. Our closing date was for XX/XX/XXXX to do the cash out refi and the purchase all at once. On XX/XX/XXXX I received the mortgage disclosure statements and the closing disclosure statements for both loans on the same day. The appraisals had been done weeks ago. I was never told that the loan was changing at any point. When I was going through the documents, the amount of the cash out had dropped by over {$10000.00}. I was shocked. I was never informed of this. The reasoning was apparently the house did not appraise for the amount he had originally put in the loan app. At no time did he ever tell me of this drastic difference. If I had known, I would never have done the refi. I would have simply obtained a line of credit. When I confronted him about this he refused to acknowledge the problem and just kept telling me I was demanding and rude. When I asked him again why there was a discrepancy ( on the day of closing ) he refused to answer saying he didn't know what I was talking about and persisted in arguing with me at how rude I was being.Totally unprofessional. I finally got a response from him later after the closing was complete but never a resolution as to why he didn't inform me so I could remedy the situation. Bottom line is he just wanted to get his fee and knew I would cancel the deal if I had known and had time to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date : XX/XX/2018 XXXX : XXXX XXXX @ Portfolio Recovery called me. I had to say " Hello '' multiple times before she started talking. She wanted me to verify my info ( last 4 digits of my SSA # ) before she would tell me she's from Portfolio Recovery. I repeatedly told Portfolio Recovery to stop contacting me. They don't listen.

I repeatedly told them robo-calling is illegal and told them to cease and desist any future contact. They still continue to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I Have contacted NationStar Home Mortgage XXXX XXXX XXXX Mortgage ( NMLS # XXXX ) at least 7 times over the past 6 months to request 1098 interest info for 2016. I requested copied of these docs over and over. They acknowledge the request but nothing is ever sent. My Address is verified and is correct. Escalated complaint to manager, XXXX, XXXX, who apologized profusely for the the situation. I left her two more messages. My Calls were never returned and nothing was ever sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I had an open balance with my XXXX XXXX credit card which is a Synchrony Bank account. I paid off that balance and had {$0.00} amount on the card. However, last week when I went to use the card because of deals that were advertised to me I was told that my card did not work and was declined, which was extremely embarrassing. I called the Sychrony contact # and explained the situation and they confirmed that my account had been closed automatically but for reasons that did not make any sense. I explained to them that nothing had changed since I first enrolled for the card but the person I spoke with said she could not do anything but would open a case and a letter would be mailed to me. 

2 days ago, XX/XX/XXXX, I received this letter stating the reasons why my account was closed was from a credit report from XX/XX/XXXX from XXXX. This was the first time I was told my account was closed, the letter is dated XX/XX/XXXX and was sent from Florida. Not sure why I was not notified or warned sooner. 

I contacted a person today about this so called " case '' and they said there wasn't anything that they could do once the account was closed all I could do is go to XXXX and dispute the closed card on my credit report. I believe they did not take proper steps in closing my account and that my account was wrongfully closed. My credit score has taken a plunge and I don't know what to do next.

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 2018-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been attempting to resolve the multiple negative accounts on my credit report, however due to poor lack of inverstigation, validation, and communication I am requesting that all of the accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My Complaint is against. Trans Union Credit Bureau! I have had tons of problems with them. From XXXX to XXXX!! In XXXX they made a Claim, I was working at XXXX XXXX XXXX?? That info in XXXX, was totally FALSE!! I worked at XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX ( my best estimate )! And I work there as a XXXX, then a WareHouse ( within the location I worked at only ), For a few months. Then returned to being a Cashier in the fall of XXXX and remained a XXXX. Until my resignation inXX/XX/XXXX After that Job I held jobs at i.e. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ( that job was from XX/XX/XXXX to XX/XX/XXXX )!! IThe other misinformation they have about me. Is that my Full Name is : XXXX XXXX XXXX XXXX That is totally false info, There is not XXXX, or XXXX in my name! My own father 's name is XXXX XXXX XXXX XXXX XXXX XXXX thus making him XXXX  years of age! And in XXXX, shortly after I moved from. XXXX Colorado and out of this address XXXX XXXX XXXX XXXX, CO XXXX. And was living on my own. At an address that I have been living at. Since, XX/XX/XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, CO XXXX. I tried three times to get a credit bureau report. From Trans Union. And was always sent a letter, stating I was declined. A Credit Bureau Report from them! Why is it Trans Union is punishing me like this?? XXXX  and XXXX  gave be a credit report. After I gave then these xerox copied documents : XXXX XXXX ID, Social Security Card, Copy of my Lease with The XXXX Apartments ( Now has been Re-Named : XXXX Apartment Homes ), and XXXX XXXX XXXX. I want an investigation brought forth. XXXX XXXX XXXX to resolve this matter!

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 2018-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with Equifax, XXXX  and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, Experian and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.

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 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
in XX/XX/XXXX i needed to leave the US and go to XXXX to take care of my XXXX  grandfather, he has since then passed. as a result of this move i became fraudulent on my payments with this JPMorgan. I have a cosigner my father who was taken to court and forced to have wages garnished. Now his health is in jeopardy and I'm returning to the states in XX/XX/XXXX pending some final arrangements that need to be made in XXXX. 
While i was working with the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX i was in good standing with them, i plan on returning to this industry in and effort to liquidate the debit as quickly as possible. 
I believe that i was a target of predatory lending since i was a first generation and eldest in my family to attending college ( XX/XX/XXXX-XX/XX/XXXX ). we didnt know any better we thought we were investing in my future but upon my graduation the financial crisis hit and of course i was forced to use up all of my forbearance time on the loans. 
I am in desperate need of assistance i do not dispute that the loan was taken and used but i would like some assistance in coming to terms with an acceptable payment plan, one that releases my father of his obligations and put the burden back on me. the total amount owed, i Believe has been worked down from XXXX to about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I've tried all day to send money to XXXX and I keep getting " We've encountered an error. We were unable to process your request at this time. Please try again later. '' after uploading pictures of official identification ( driver 's license ). I called Moneygram and they said to try different browsers, which I did. I tried with XXXX, XXXX and XXXX. They also suggested I try the  XXXX  version of their service, which strangely was 2X the price of the Moneygram-proper site. 

As of yet, I have not been able to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: MO

Complaint narrative:
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. 

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX  for a number of years and the attached police report detail and the letter from my XXXX   XXXX prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
ask for verification of debt and never received. this company of violated the hippa laws the protects consumer medical information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal probation officer, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports.

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was incarcerated for a number of years and the attached police report detail and the letter from my probation officer prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.

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 2018-05-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX for a number of years and the attached police report detail and the letter from my XXXX XXXX prove that. 
Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XX/XX/XXXX. Along with the XX/XX/XXXXbalance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ 80- $ 100k dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.

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