vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from XXXX  and Trans Union.  My wife and I submitted our request together. She has already received her responses but I have not.

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 2018-08-15 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from Equifax and XXXX XXXX. My wife and I submitted our request together. She has already received her responses but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MS

Complaint narrative:
I called the XXXX phone number about section 611 when all of my inquiries were removed and then put back on later but I never received the letter I should have received within 5 days at all.the person I spoke with was totally rude and uncooperative with me.this is totally unacceptable of a person in his line of work. 
the inquires are as followes. 
1. XXXX XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX   XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX   XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22.XXXX XXXX XX/XX/XXXX 23.XXXX XXXX XX/XX/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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I opened escrow with PennyMAC XX/XX/18 for a refinance loan on my home in California. Their loan department and underwriting team failed to deliver services in a timely manner. Escrow was suppose to close on XX/XX/18, but the loan XXXX dropped the ball on handling my documents. There locked rate expired on XX/XX/18. No one communicated with me whether the documents were submitted for an extension of the lock rate was submitted. The underwriting department complained I had a 6 month gap of employment because of a sabbatical I took to finish my XXXX XXXX. The communication between PennyMac loan department and consumers was horrible. No one returned calls that were made the week of XXXX XXXX. I ask to speak to a supervisor, but never received a call until XX/XX/18, a week later. XXXX the sales manger called me yesterday to go over the details of my loan. He was poorly prepared for the conversation and said I did not have enough income for the loan to be funded. I stated do yo have the right file, because I make over {$200000.00} a year and my debt to ration is only 29.5 %. I feel something is very wrong with how this loan was handled. No written communication was given to me and no resolution was made thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Information provided per my credit report is below. 
Account name : progressive management systems Amount : XXXX Date : XX/XX/14 Account # : XXXX I've contacted the collection company requesting more information regarding this account because I have no documentation nor have I received anything in the mail to verify if this is a legitimate bill that belongs to me. I was told they could not release any information over the phone and I have yet to receive anything in the mail to verify this. The fact that this shows the original date is from 2014 really concerns me because its effecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I paid off my loans with checks that were provided to me through my title company when I refinanced my home. The checks were sent to the address listed on their website for borrowers, XXXX XXXX XXXXXXXX, XXXX, PA XXXX on XX/XX/XXXX, via the USPS. The checks were received and cashed by XX/XX/2018 yet had not been credited to my accounts as of XX/XX/2018. I contacted Navient and asked what was needed to prove payoffs were made. The customer rep stated I would need to provide copy of cancelled checks. I then contacted my title company and they in turn sent me copies of all 6 checks, front and back showing the checks had indeed been cashed. I uploaded the images to Navients website the same day I received them which was XX/XX/2018. I waited 2 days and when I did not see them uploaded. I contacted customer service and was told I had sent them to an incorrect address. I was also told that any overages would be returned ( and I quote ) to XXXX XXXX XXXXXXXX. at that point, I was so frustrated, that I asked to speak with a supervisor. I was told that a supervisor would tell me the same thing. I had to ask 4 times to speak with a supervisor before finally being put on hold. At which point I thought a supervisor would pick up the line. NO, the same rep kept returning and giving excuses as to why the supervisor was not picking up. After about 20 minutes on hold, I finally hung up and called back. I got a very pleasant rep that explained what the policy was and it could take up to 10 business days to complete the process. My main complaint is I am concerned that the policies and tactics this company uses, will in turn cost me more money and my loans will not be paid in full when they have had my money since XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
denied credit .found experian had placed a fraud alert on my report illegally & in error.this was not requested by me or any one else, no company or bank. 
experian without my knowledge placed tis on my report & refuse to remove it unless i send them a letter & two forms of identification by mail. 
i absolutely resent this demand of what time i have left to live. 
im a elderly XXXX veteran & im very saddened by this cold hearted treatment.this was their mistake.no one else.yet im being held responsible for getting corrected.

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 2018-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
This will be the 3rd complaint I've had with Wells Fargo. My question and concern with the preservation department is that ive had well over 6 or 7 reps working on my case and as a consumer i'm lost on whose working my case and whose not??? Everytime I give them the documents they request they keep on adding documents they need to re-modify my loan therefore making this process go on for nearly 7 months now. I believe whoever is the head of the underwriting department needs to be aware of this. I provided back XXXX all the information wells fargo was requesting, then like 3 weeks later they ask for a tone of different more documents, strictly just calling me a liar that I don't live at XXXX XXXX XXXX, that all my mail goes to 3 carriage cove where I used to live that is correct because I still have furniture at that residence that I haven't picked up so I come every week to 3 carriage cove to pick up my mail I've already provided Wells Fargo a proof of occupancy from XXXX XXXX XXXX, pay stubs, income tax return etc ... I believe as a consumer i'm being descrimated against and being called a liar, which is highly illegal in the banking industry. I wouldn't be this concerned if I didn't care about keeping my property!!!!!!!!!!!!!

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 2018-08-15 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:
In XXXX, XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa credit card account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PR XXXX in XXXX, XXXX. 

Working with XXXX XXXX XXXX XXXX XXXX XXXX, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX. 

However, on XX/XX/XXXX of XXXX, XXXX XXXX once again made a inquiry of my credit with XXXX  and Equifax credit bureaus. 

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX explain the nature and purpose of this credit bureau 's inquiry of my account. 

To date, I have not received any response from XXXX XXXX XXXX. on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My loan number was changed in XXXX, I did not make the deadline to update my auto draft from the bank. I called in XXXX to make my monthly payment and to be placed back on auto draft. Well, this payment and every other payment each month has been misapplied by the lender ( CIT bank ). My name and loan number are : XXXX XXXX # XXXX. 
I keep thinking that with every month this would be corrected, sadly it has not. It is now affecting my credit rating, I was at a XXXX with XXXX, and now I'm down to a XXXX. I pay all my bills on time, and to see this was very upsetting. I've been trying to get this fixed for over 6 months now. I was finally able to get a supervisor, XXXX XXXX ( XXXX ) XXXX in XXXX. I thought that would be the end of it, again it was not. 
I have attached my payment history and the misapplied errors. I just wanted to get back on the auto draft. I sent them multiple emails through their website XXXX XXXX XXXX. No resolution. Many calls to XXXX, she did call me back this month when I mentioned I need to make a payment, other than that every voicemail I have left her has been unanswered. As of now, my account states that my next payment is due XX/XX/2018. I have paid every month, and a little extra this month in the hopes that someone would fix it. 
I'm exhausted, I'm hoping this will help me with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted experian by certifed mail, phone and online dispute on Fraud accounts on my credit file. First contact was by Online dispute XX/XX/17 requesting the account be verified as my right for the fair credit act then requested was denied and no verified info was sent as request. Second attempt was a call I placed to Experian on XX/XX/17 and was denied proof of Verification again a violation of my right to the fair credit act. Third and final attempt was a letter sent certified mail on XX/XX/2017 with a report from police that these account were fraud, I again never got it removed or a response for Experian. This accounts have been removed from XXXX and XXXX because of fraud and they could not verified. I am listing the accounts below. I have a right to have all accounts that do not belong to me and that the credit reporting agency can not be verified to be removed by the Fair credit act. Experian is violated my right. This is in true harm my life and career. I ask that the accounts listed below be removed right away. 

1 ) XXXX- account # XXXX {$540.00} XXXX account # XXXX {$540.00} XXXX account # XXXX {$350.00} XXXX account # XXXX {$820.00} 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 2018-08-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have four accounts with Toyota financial and I always call and make my payments over the phone and when I called I provide the representative with my Social Security number and I told them that I have four accounts with Toyota financial and I would like to make a payment on all of them. 
After doing so Toyota financial reported me 30 days late on one of my vehicles payments. 
I spoke with TOYOTA financial they informed me that they have a copy of the phone call which clearly states that when I call I indicated to the representative that I had for accounts and I would like to make a payment on all four accounts that day three payments were made one payment Was overlooked by representative and my credit was destroyed because of this Im in the process of purchasing a house and my score went down by 84 % because of a 30 day late payment reported by Toyota financial. 
Please help me to fix this and remove that late payment from my credit report they have reported inaccurately they failed to complete their investigation they failed to contact me. 

Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My business was with XXXX XXXX company and XXXX XXXX. i was refinancing my mortgage from XXXX to XXXX XXXX. After the process was finished 3 months later i received a letter from a company called XXXX XXXX XXXX ( SPS ). i have no idea who they are and why they were sending me a letter stating that the pay off for the refinance was short and i now owe them $ XXXX.i disregarded their letter as i had no idea who they were and my business was not with them. after receiving another letter from them my wife called them and questioned them about the letter and their responds was you owe us. Me and my wife ignored their letters as i said my business was not with them.after receiving a letter from them every month with the amount of money owed escalloping and almost 2 years of harassment i hired a lawyer to get to the bottom of this matter. As time mounted this company SPS put me and my wife on as non payment at the credit Bureau. My wife and i have looked this company up and read many complaints about them. Obviously after my attorney contacted them they have settled and i did not have to pay them a penny owed. But now they have damaged my credit with the credit bureau for the next 7 years with their report to the credit bureau. i want this company to remove their complaint about me and my wife to the credit bureau. Select Portfolio Servicing. Account number XXXX. XXXX XXXX & XXXX 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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: FL

Complaint narrative:
Last year I elected to change my banking relationship from XXXX XXXX to XXXX. One of the accounts I attempted to close was a checking account # XXXX I used to auto pay my monthly homeowners fees to XXXX XXXX XXXX in XXXX, Fl. in the amount of {$68.00}. 

I personally visited the XXXX XXXX  branch on XXXX XXXX. XXXX to close the account and spoke to a bank officeXXXX named XXXX who supposedly closed the account as requested. 

Several weeks later I began receiving notices from the HOA that XXXX XXXX was continuing to send payments to the HOA which they were returning without cashing, and I needed to contact XXXX to resolve this issue. 

I again visited XXXX XXXX  and spoke to the same officer and stated that the account was not properly closed and XXXX was continuing to send checks to the HOA. He said he would take care of the matter without further delay. The issue was not resolved and checks continued to the HOA. 

I then continued to contact the original XXXX XXXX manager who had opened the account and he contacted XXXX. This appeared to resolve the matter and I assumed everything was finally properly taken care of. 

Last week I received a call from XXXX XXXX stating I needed to pay an outstand debt on this account in the amount of {$54.00} or it would be turned over to a collection agency. This is more than a year after I assumed everything had finally been taken care of. They also stated I received a collection letter I also did not receive until several days later. I called the collection agency to explain the issue, however, they said since XXXX  was their client I needed to contact XXXX directly. 

I again visited the XXXX branch on XXXX XXXX. this time speaking to the manager XXXX who promised to look into the matter. A couple of days later I received a call from her stating XXXX was not willing to waive any fees and I needed to the debt or a collection action would be taken against me. 

Tis is not a debt which I owe and is clearly the fault of XXXX XXXX  which did not properly close my account when tis all started. /what I find most interesting the debt attempting to be collected {$54.00} is not even the same as the HOA fee of {$68.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP
State: VT

Complaint narrative:
I requested a 2 month extension with key bank as I ran into a financial situation which I'm still in. I was told if I called back in XXXX or XXXX they would help me so I did. I had my father call as he is on the loan too. And they gave him a hard time. I'm still fighting with them I have reported them to the XXXX. I got a letter from them stating that my hardship provided indicates a long term hardship all I asked for was 2 months so I could get caught up do I wont lose my car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Action Credit, LLC
State: TX

Complaint narrative:
I fell Behind on my be payment.. the CSR called to collect payment I asked if I could make the payment on Friday since thats when I got payed they asked what was the reason why I fell behind I let them know we had a medical emergency and that is why I couldnt make the payment. Then the CSR responded well I dont care what your excuses are I need the payment and I need it now. I told her I could make the payment but until Friday. She said she couldnt wait and needed now. I told her all I could do was Friday and that I had to hang up cause I had to go back to work. She then replied well Im going to call your work to speak to you. I worked at a XXXX XXXX and I had already asked her several times to stop calling me at work. She called me the next day at work and I again told her couldnt make the payment and that I had asked to stop calling me at work because I was going to get fired. The initial call was on a Monday and she kept on calling my work all the way through Thursday on Friday when I was going to give a payment she told me it was a higher amount and hat I didnt have and she couldnt accept the lower amount. This person started calling the whole world to tell them to ask me to pay my loan and gave out information about my loan dates taken out amounts days I was past due and all the details. I spoke to her and told her that what she was doing was wrong and that I was just goIng to wait until the loan was charged off so that I could pay off because I didnt want to deal with her anymore. She said she didnt know what if was talking about that I never asked to stop calling ... i was fired from my job due to the many calls she made to work and now Ill really dont have a job to pay them back with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Massachusetts Educational Financing Authority
State: NY

Complaint narrative:
XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also MASSACHUSETTS EDUCATION XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the XXXX  send all the necessary papers for the forbearance and it was approved.

Company response to consumer: Closed with explanation