vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
After reviewing my credit file I have come across information reported from XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

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 2018-07-13 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: TX

Complaint narrative:
After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am again filing a complaint because m issue was not resolved with my first compliant. 

I am asking that Synchrony Financial please request the deletion of XXXX/XXXX XXXX account XXXX from the three major CRA 's. 

I have not been sent a copy of any documents that I signed agreeing to 1 open this account, 2, use this account or 3 pay any debt that resulted in the use of this account. 

I am aware that an " electronic credit application '' was sent to me along with balances and billing statements. However none of this proves that I am the one that opened this account. 

If there was something with my signature on it, proving that I did indeed apply and open and use this account then obviously I would be responsible for this account, but since you do not have one ( which was stated in your response ) I asking that in the spirit of goodwill and great customer service, Synchrony Financial inform the CRA 's to delete and block this credit line from reporting.

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 2018-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
1. XXXX XXXX has deferred my XXXX  school loans on four separate occasions without my permission because I was in school at XXXX University part-time, taking one course at a time. Doing so has raised my student loan interest rate by .25 percent. Prior to the faulty deferment I had a .25 reduction in my interest rate for using their direct debit service, and deferring my loans without my permission raises my interest rate again back up .25 percent. They claim that the Department of Education automatically defers my loans. I don't see how this is right or fair. 

Additionally, there is a form that I can fill out according to XXXX XXXX which will prevent this from happening. They said it would be available to my XXXX account last week so I can prevent future deferrals without my permission. I had to call about it and write to them multiple times since XX/XX/XXXX and I have still not received the form. On the latest call, they said that someone had made a mistake and asked me what my favorite color was to distract me. They eventually told me that in 24 -48 hours, after three weeks of calling, that my form would then be available. So I am still waiting. Meanwhile, my interest is higher and I am out of the direct debit option to reduce my payments. 

Lastly, I was not informed of this " form '' until the 4th time this automatic deferral has happened. 

I see this as a way XXXX XXXX can collect more money from borrowers unlawfully. 

2. A prior problem : I was on the Income Driven Repayment plan and the Public Service Loan Forgiveness Plan for the first two years of my repayment for my XXXX degree, and I can say the XXXX XXXX always took a very long time to process any paperwork, meaning my Income Driving Replayment plan status, etc., was not put in place when I requested it due to their lengthy processing time. 

I have since opted out of the Public Service Loan Forgiveness Plan due to the possibility of legislators getting rid of it, which would mean my payments would be even greater. My experience with this loan servicing provider has been terrible. I feel their negligence has cost me more money. 

Thank you for your time in reading my complaint. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I have been trying to get help from LoanDepot since XX/XX/XXXX. I have continuously supplemented documents that they have asked and they continue to delay my review. I don't think it should take them over 7 months to help me! I have had two foreclosure sale dates and have had to file two bankruptcies just to save my home from being sold. I can't afford another sale date. I am at lost and need help saving my home! Please I ask for your assistance. 


The last update was on XX/XX/2018 and they asked for documents that I had already submitted to the lender and changed their request on paperwork that they had previously asked. My husband had already sent a letter advising them on how much he contributes to the house, pay stubs that show our property address, an ID and our bank statements are in a joint account. Yet, they continue to doubt that he is not living here. 

Please I ask that you help me save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened a fraudulent personal loan under my name and social security. I've personally complained to the company directly at least over 10 times. All Wells Fargo has done was open and close cases without addressing any issues. They make false promises of throughly investing my claim or returning calls to management call backs none which has taken place. Ive went about and beyond sending all requested documents to even sending letter and travel documents to prove I wasn't even in the states to open the account. My claim has failed on deaf ears. I've tried to escalate to the highest level in Wells Fargo but nothing has been done.

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 2018-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: IL

Complaint narrative:
XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On or about the beginning of XX/XX/2018 I was notified by email from XXXX XXXX that they were servicing a student loan in my name. I requested documented verification that this debt was, in fact, something I had taken out and to date, I have received nothing. After multiple emails and calls, I received a pay off amount of {$8600.00} from a customer service representative. I paid that amount in full on or about XX/XX/2018. I am now receiving threatening emails and calls about an outstanding and overdue balance on the very account I have paid off. After multiple calls I am being told I have an outstanding balance of {$63.00}. I have been requesting information and documentation about this debt since XX/XX/XXXX and have not received any documented indications that this debt is in fact mine. I have requested that XXXX XXXX   preserve any information about this loan for litigation purposes and when I asked for a contact in their legal department I was declined. When I looked online for a person that could accept service there was none listed, not even an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: MD

Complaint narrative:
In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX  has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX  told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Synopsis : Barclays has negatively impacted my credit score by  reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error. 

Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect. 
> XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points. 
* Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}. 
* She assured that my auto payment for XX/XX/XXXX would come out automatically. 
> XX/XX/2018 * Payment of {$60.00} posted. 
> XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX. 
> XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error. 
* She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018. 

Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. 

I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. 

XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was 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 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I had a mortgage with Freedom Mortgage where I sold my property on XX/XX/18 and they sent me a statement that my escrow surplus of {$790.00} was mailed on XX/XX/18. I looked for it in my mail until XX/XX/18 and then called to ask where my escrow surplus was. They mailed it to my old address and would not forward to my new address. I was told on XX/XX/18 that a new check would be cut on XX/XX/18 and sent to my new address. By XX/XX/18 I had not received it so I called and was told that they could not void the first check until it was 30 days old and I would have to wait until the following Monday for them to do so. They then needed 10 days to cut the new check and an additional 10 days for it to be mailed to me at my new address. 

I do not feel this to be in the proper guidelines for returning escrow surplus on a loan that was paid in full on XX/XX/18. I am still awaiting my funds.

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