vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told XXXX would reverse any fees generated. The account was notated but fees was not reversed. Reached out to XXXX a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a XXXX XXXX error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted XXXX XXXX  and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a XXXX XXXX   error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.

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 2019-03-28 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have had this loan since 2003. First it was through Sallie Mae then some how without my doing was transferred to Navient. I have had this loan in deferment several time due to being in school but have been in repayment for some time now. The amount set to be repaid continually increases from what they say is daily revolving interest. I have lowered my payments to be more affordable for me but the interest continues to accrue at an astronomical rate. I feel as though I am a car stuck in mud getting no where but just sitting in the same spot spinning my tires getting deeper. Every time I try to talk with the company about my complaints they just continue to set up a 6 month program to lower my payments with my balance continuing to increase. Upon looking at my statement all my payments have gone to interest rather than principle. This originally was a {$5000.00} loan that 16 years later has tripled. At this rate I will have my federal loans payed off before this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have provided Nelnet with a certified XXXX letter asking them to provide the master promissory note to substantiate the debt. No response from debt collector. I feel as if my rights under the FCRA has been violated. Since this debt has not been verified as accurate, I demand that the accounts be removed from credit report. My next course of action will have to be litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo owes me all the money I paid for my duplex that they stole from me. It appears they were collecting or foreclosed on a XX/XX/XXXX deed of trust with XXXX XXXX. 

I was not in default when they returned three of my payments in a row. Offered me a modification I could not afford. Then foreclosed 1 business day after denial of revised modification. 

Even more striking is that they were paid anyway in XX/XX/XXXXor XX/XX/XXXX for a fraudulent mortgage that was already released in XX/XX/XXXX. 

I want this fixed and I wand the restitution Wells Fargo was ordered to pay

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was contacted over the app XXXX XXXX, and was fooled into sending my XXXX XXXX XXXX brand new like a almost {$950.00} phone to this gentlemen. I was led to believe that money was deposited into my paypal and on hold. Appears it was all a scam. Ive lost out on my {$950.00} phone and was fooled into paying out my own pocket almost {$75.00} in shipping because I had believed that the payment was in my account please help me i can not afford for this to happen to me. Im XXXX XXXX and this has driven me to the verge of actual XXXX. Please help me get the money I'm owed being I know my phone is gone most likely forever. His email address is XXXX Please and thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : EQUIFAX MORTGAGE SERVICE Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX/XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I have an account on XXXX and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
On XXXX XXXX I requested a withdrawal from my Moneylion investment account. At the time there was {$250.00} available for me to withdraw. I requested the withdrawal in the Moneylion app ; the transaction was approved and I got a notice that funds would be sent to my XXXX checking account in 7-10 business days. On XXXX XXXX I received an email from the Moneylion support team which stated that due to a " system error '' I was allowed to withdraw an amount that exceeded the balance available for me to withdraw and my request could not be processed. When I logged back into the Moneylion account I noticed that not only did the amount available to withdraw decreased significantly, but there is also about {$59.00} missing from my account. When I logged into the Moneylion account to request a new withdrawal the amount available changed to only {$6.00}. There is a total of {$400.00} in my investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX received a XXXX XXXX XXXX/ Synchrony Bank statement with a XXXX balance due. The statement contained information on renewing my membership at a fee of {$100.00}. This more than double what it was for XX/XX/XXXX. I determined that was too excessive an increase and contacted the company requesting my account be closed. Because of the non-action on honoring my request for cancellation I received a statement with a balance due amount of {$160.00} the following month. I called the company again and was informed that it would be reviewed and I would received updates on the progress. I did not receive a single update. I did receive past due notices and threats of collection agency actions against me. To date this year I have received no services or made any purchases from the company. My question is why am I being charged for services and/ or purchases that were never made. It is my opinion that the companies lack of action to close my account when requested resulted in these statement fees. This my all be by design but I do not intend to pay for services and/ or purchases that I have not requested or received. 

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 non-monetary relief
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax reported inaccurate information on my credit report, and when I notified them they opened a dispute. I was then emailed that the dispute was resolved and was instructed to go online to access the file. The online system did not work and I used their chat feature to find a phone number to talk to someone. The phone number was an automated system in which they directed my concerns to their website that was not working. I finally figured out how to access a human and they opened my confirmation number, only to find out the case is still pending. There was no explanation to why I received an email stating the case was complete, and no reconciliation or assurance that it would be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an account on Equifax and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account on XXXX  and Experian that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with 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 explanation
Consumer complaint received 2019-03-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A few years back I was contacted by this collection company LVNV funding XXXX XXXX  XXXX XXXX SC XXXX, representing XXXX XXXX. 
I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately.. 



Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This is regarding my son 's Share Savings account. It was opened in XX/XX/XXXX by my now ex-husband. Note : Ex husband is NOT my sons biological father nor did he or does he have ANY legal custody or rights to my son. When my now ex was incarcerated in XX/XX/XXXX I filed for divorce. It was finalized in XX/XX/XXXX. Since then I have been trying to change my sons account to make me custodian over this account. I have spoke to Navy Federal local branch member XX/XX/XXXX, who told me there is no way I can change the account. I called NFCU on XX/XX/XXXX. Rep told me to send documentation and written letter to membership department requesting change due to recent unavoidable changes ( incarceration/divorce ) and request account change. Was told to include items such as my sons birth certificate showing my ex is NOT my sons father, as well as my first marriage ( sons father ) divorce and custody order and my current divorce decree showing my ex is in fact incarcerated. I was assured with this information my request would be approved. ESPECIALLY since my ex is NOT my sons father, NOT have any legal rights to him and was nothing more than the " XXXX XXXX account holder '' at NFCU and was the one who had to open the account. I submitted request on that date. On XX/XX/XXXX I received a response back on XX/XX/XXXX stating my request was denied. 

XXXX XXXX Account Holder/Custodian : XXXX XXXX XX/XX/XXXX XXXX XXXX Dependant : XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have a credit card with XXXX XXXX. I made an online payment of XXXX dolars on XXXX, for some reason XXXX ran this payment from an old account with Santander Bank I havent had in years and keep a small balance. the payment ran causing my account to over draw and incuring a fee of XXXX dolars to be charged. THEN to compound the issue Santander rejects the payment and for some reason XXXX kept re running the ACH every day up until I caught it today XXXX. No one from XXXX or Santander once contacted me just kept playing this game of rejecting and rerunning the ACH and causing my account to be now XXXX and the payment to XXXX never being processed. So to recap payment to XXXX was never made and I was charged 4 separate over draw fees for one transaction. I have contact both parties to resolve this and got zero help. Had XXXX or Santander simply mailed me a letter, emailed me, called me or even texted me about this issue it would of been resolved 2 weeks ago. But there is no profit of excessive over draft fees for 1 transaction.

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 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
ON XX/XX/XXXX XXXX XXXX WAS SENT CERTIFIED MAIL RETURN RECEIPT WHICH THEY RECEIVED AND SIGNED FOR, THE COMMUNIQUE CONTAINED INFORMATION THAT A XXXX SINGLE PAYMENT WAS ENROUTE TO PAY A PERSONAL LOAN AND A DIRECTIVE ON HOW TO APPLY THE XXXX PAYMENT ' .THE DIRECTIVE BY BORROWER WANTED XXXX PRE PAYMENT APPLIED BY MONTHS TAKEN OUT OF THE XXXX .THE ACCOUNT WOULD THEN BE PAID THRU XX/XX/2020.4 CALLS HAVE BEEN MADE TO 3 DIFFERENT REPRESEANTIVES IN THE LAST WEEK ON RECORDED LINE BY ME OR MY SPOUSE WHO IS AUTHORIZED O SPEAK ON MY ACCOUNT, THE REPS NAMES WERE XXXX, XXXX AND XXXX.EVEN THOUGH XXXX XXXX ACKNWLEDGED THEY WOULD BE APPLYING PER BORROWER DIRECTIVE BAILEY STATED FOR THERE OWN INTERNAL RECORDS BORROWER WILL BE AND IS NOW PAID THRU ACCOUNT XX/XX/2020. NO WHERE WILL BORROWER HAVE PROOF OR ACCOUNT REFLECT DIRECTIVE ' THE WEBSITE INFORMATION WILL UPDATE MONTHLY TO NEXT DO DATE, BORROWER FEELS THIS IS WRONG AND SHOULD BE PROVIDED WRITTEN ASSURANCES AND ACCURATE ACCOUNT INFORMATION ONLINE. IN THE EVENT SOMETHING WERE TO HAPPEN TO BORROWER, TO THE ARBITRARY, LEGAL EYE, WHICH ALL THAT MATTERS, XXXX XXXX WANTS ME TO RELY ON THEIR ASSURANCES ACCOUNT IS PAID THRUXX/XX/2020 REGARDLESS OF WHAT THE STATEMENTS OR WEBSITE READS, UNDERSTANDABLY NOT COMFORTABLE WITH THAT FOR THE OVBVIOUS REASONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I checked my credit report with a big surprise is a 2 collections items without any information ( creditor. address, phone ) only show the amount 2 differents accounts.That information is damaged my credit since my score is low because of this items my loan application has been declined.

My bigger surprise is theses 2 accounts without any information, I never got any letters or documentation, in this point I don't know how is the creditor, is irresponsable to report this kind of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient continues to contact my father regarding a private student loan that was taken out in 1997. He has made payments on this loan however t It seems that the principal has never gone day and continued interest is piling up. They call constantly up 7 times a day on robo calls. I had changed the contact information since I place them in debt payment plan with XXXX XXXX XXXX. I asked them to stop calling my father since he is a senior and it has become hard financially. They continue to call and report negatively on our credit reports. They have become a nusance. I also asked if I could do a financial hardship and they denied it. The calls just keep coming in and my father has XXXX and the situation has gotten worse. Navient has the worst collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I submitted a dispute with XXXX, due to an incorrect payment status with Carrington Mortgage Company ; however the dispute was completed and the status still reflects " At Least 120 days or more than four payments past due '', which is still not correct. The mortgage was included in an active Chapter XXXX bankruptcy, and the house was sold in XX/XX/2018 & the mortgage was paid-off. The credit reports for XXXX   & XXXX correctly reflect the status of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Greenlink Financial, LLC
State: VA

Complaint narrative:
I received a email firm loan offer to consolidate my credit card debt into 1 loan from Greenlink Funding. I called and they ran the numbers, said I didn't qualify for their loans but they could do a debt restructure. They explained that to make this happen, I had to default on my credit cards, quit paying them for 2-3 months, to make the creditors more inclined to agree to the reduced repayment plan. I pay my bills and told them no thanks. Because they pulled a credit check for their " fake loan offer '', they lowered my credit score, which hurts me when dealing with legit loan companies. 
Here is an email they sent me when I called about the defaulting they were telling me to do and how it affects my credit. 

XXXX XXXX <XXXX> Fri, XX/XX/2018, XXXX XXXX to me For compliance purposes, I have to tell you 3-6 months. But they typically settle at the 3rd or 4th month. It all comes down to timing with the banks. 

They should be stopped and not allowed to operate, as they are driving up defaulting numbers and hurting consumers who actually pay their bills, but wanted help to get out from under by consolidating to 1 payment.

Company response to consumer: Closed with explanation