vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. 

I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. 

XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. 

It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: VA

Complaint narrative:
I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.

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 2018-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: LA

Complaint narrative:
Navient student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XX/XX/XXXX. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XX/XX/XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. 
i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. 
Please help me get TD BANK to explain the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made 2 deposits on XX/XX/XXXX ( {$33000.00} and {$9200.00} ). I am a retailer at XXXX for at least 4 years. I have been making deposits ( amounts alway vary ) on the XX/XX/XXXX of each month for this entire time. Been a WELLS FARGO customer for almost 20 years. ( 2 of my cards say customer since XX/XX/XXXX ) To my very disappointing surprise I learned from XXXX at the XXXX XXXX branch on XXXX in XXXX XXXX XXXX that {$28000.00} is on hold till what could be until the XX/XX/XXXX. 11 days after its deposited!!! XXXX XXXX even called him to confirm the funds were there and as of this morning XX/XX/XXXX the funds are still not there. Totally wrong to do to an established customer. This is very irritating to me. Does WELLS really want me to move to another bank. Take a look at my account and see how much money I run thru there. 
Ive also left a message on XXXX XXXX phone at 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 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
The number associated with this complaint is my work number which I NEVER gave out. 
Our work numbers recently changed and the new number ( this one ) hasn't been registered on DO NOT CALL LIST and again, I never gave out my number to this 3rd party collection agency for a Hospital ( The Hospital doesn't even have my new number ) I informed them this is my work number and I never gave them permission, nor is it lawful to harass someone at their place of work. They informed me -- -it isn't against the law to contact someone at their place of work but they will remove my number. They lied. They refused to transfer me to a supervisor. The place is called XXXX XXXX -- -their number is 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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX-Fla. XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXFore XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXe XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: LA

Complaint narrative:
XXXX student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XXXX of 2015. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XXXX XXXX, XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.

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 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I have paid XXXX to Nelnet through XXXX ( as of XXXX, XXXX ) and this student loan payment ( and related garnishment ) should be complete. However, Nelnet and XXXX has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). Nelnet has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and Nelnet has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: WI

Complaint narrative:
XXXX XXXX repeatedly robocalls my cell phone, which was never registered with them, about an account that is not mine, of which they originally hassled my minor daughter about ( and probably still are ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

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 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a home mortgage and was denied on the grounds of a Foreclosure showing from XX/XX/XXXX.  Herein lies the problem, XXXX XXXX XXXX reported the Foreclosure on the above listed date.

First, this foreclosure does not show on my Consumer Credit Report so I was unaware of the foreclosure until I attempted to obtain this new Mortgage.

On XX/XX/XXXX, myself and my ex-spouse signed a Deed in Lieu of Foreclosure.  
On XX/XX/XXXX I received a IRS Form XXXX showing Cancellation of Debt.
On XX/XX/XXXX a Satisfaction of Mortgage was recorded.
On XX/XX/XXXX the aforementioned Foreclosure was recorded by XXXX XXXX XXXX, a company I had never heard of or was ever advised had any interest in any mortgage.

Ultimately as a result of this Foreclosure that, as stated before, I had no knowledge of, I have been denied a new Mortgage.  This filing, that does not show on my Credit Report is the sole reason for the Mortgage Denial.

My question is, If I was given an acknowledgment of Cancellation of Debt in XX/XX/XXXX, how can a Foreclosure be recorded in XX/XX/XXXX by a Servicer I've never heard of, without me being notified of the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I  want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXXXXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX 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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I recently received a surplus check from Mr. Cooper in the amount of XXXX due to an escrow analysis completed on XXXX/XXXX/XXXX. The analysis to did not make sense to me so I went on their website and it now said I had a shortage. I called the company and they told me that an error had been made and they had put a stop payment on the check. When I asked how this happened the representative said they did not know. They also said I was probably sent an email. They did not notify me or send me a notice of the error via email or phone. I have however received offers to refinance almost daily! I have also sent a company this information via their website. I am now have serious questions on the legitimate calculations and processing of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Automated Collection Services, Inc.
State: IA

Complaint narrative:
I have paid XXXX to XXXX through ACSI ( as of  XXXX, XXXX ) on this student loan payment ( and related garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). XXXX has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and XXXX has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: FL

Complaint narrative:
Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.

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 2018-01-12 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: Hunt & Henriques
State: CA

Complaint narrative:
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and housewife, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!

Company response to consumer: Closed with explanation