vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have requested that Navient formerly known Sallie Mae provide to me the promissory note for the loan that I have been paying. I have been requesting it several times and was ignored. I am requesting the original promissory note that bears my inked to paper signature that ties me to this debt. 

If they are not able to provide this documentation upon receipt I am requesting that this loan be discharged immediately and deleted from my credit file of all three reporting agencies. The listed account number is Account number : XXXX I went to www.studentaid.gov and looked for a MPN Master Promissory note and no forms were found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I purchased a product from XXXX XXXX on installment payments through QuadPay order # XXXX. QuadPay processed my card for XXXX. The merchant XXXX  never sent me any products nor responded to any contacts Ive made about my order. My bank blocked payments and I notified QuadPay to stop processing my card on XX/XX/2020. Ever since then they have been trying to process my card for a product I already advised them I did not receive. It is now XX/XX/2020 and I still have not receive any claim from the merchant and they still have not contacted me. Today QuadPay have attempted to process my debit card over 30 times and it has been going on every couple minutes for hours and continues to as the night goes on. This is extremely harassing its abusing and absolutely ridiculous. this is my second time notifying the company to stop process payments from my bank because I did not receive product i ordered from XX/XX/2020 and have reached out to merchant multiple times and they still have not contacted me regards any claims. They have sent emails about sending my account to collections and continue to process my card everyday multiple times for hours at a time and here I am XX/XX/2020 with no refund from merchant and the company has done nothing but harassed me and I would like it to stop and furthermore their system does not allow me to delete my card from account. Its emotionally distressing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian disregarded my disputes and accused me of using a third repair credit agency. I feel totally violated and something must be 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 explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-29 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
Company say a check was sent by mail and I never knew about or received anything. I repeatedly asked for my signature showing I agreed to it but yet I never got anything showing my signature

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 2020-12-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I am retired and on a fixed income. I purchased my home in 2008. Turning XXXX in XXXX, my XXXX is lowered due to payment to XXXX. I also can not get a part-time job because of Covid. Knowing that this date was coming soon, I contacted five different mortgage agencies to refinance my conventional mortgage which included my current mortgage holder. All responded that a refi was not possible because of the income to debt ratio. I contacted my current mortgage holder to get a loan modification to lower the payment. Their final answer was no. " PM  has a proprietary loan modification program to assist struggling homeowners with their mortgage payment. Unfortunately, we were unable to approve your modification request under this program. Reasons for the program denial include : Default Not Imminent. Other alternatives to foreclosure which may be available to you. If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure. '' It also said ... '' Upon completion of either program, you may receive a cash incentive. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.

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 2020-12-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Lender fails to comply with federal RESPA regulations in regards to the handling of annual tax escrow disbursements. For a consecutive second year since PHH Mortgage took over the servicing of my mortgage, they have failed to send out the funds that I have paid into my escrow account for payment of my real estate taxes on said mortgaged property. There is no reasonable means to communicate with their escrow or tax dept. When I communicate with their customer service management, they explain that it takes them 1 to 3 days to get a response from the tax and escrow department. This company is in violation of the Real Estate Settlement Procedures Act and has been fined for improper lending and servicing practices in the past and apparently hasn't changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-29 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XXXX of XXXX  I lost my job due to covid. I still tried to pay my account when it became overwhelming I ask for a interest rate reduction. The representive told me I qualify for covid relief. Against my better judgement I took the offer. In XXXX I received a 30days late I have been dealing with Navy federal for over 15 years and I have never been late with Navy federal or any of my creditors. I have disputed it three times to no avail. I have emails in XXXX in which I sought a financial evaluation because I was unable to pay. I received a notification that I have a 30 days late which I was completely unaware of. I thought once I had talked to someone I would received further information in XXXX. Navy Federal had refused to correct this wrong. I believe it is dispicable to report negative untrue and unfounded activity when people can barely eat let alone pay their bills. Once I received the 30 days late I immediately contacted navy federal and paid XXXX that I did not have and had to struggle for the entire month. Thank XXXX I am back to work although my salary is extremely reduced. I am seeking help to have this removed. In all my years I have never been late. I could have filed bankruptcy protection because of my financial state but I believe if you borrow you pay back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I went to a XXXX store and made a return with my debit card. Return was processed with no problem. Then I tried to use my same debit card for purchase at that same store and it declined. I checked my balance online and it showed {$220.00} available. I then tried to to do a electronic transfer to another account. Which was not possible, I called the bank waited 35 mins and spoke to 2 representatives before the call was dropped but their representative. I called back spoke to a customer service representative who transferred me to customer service protection department who then dropped the call. I called back was on hold for 4 hours spoke to XXXX from customer service protection department at XXXX. Soon after that she dropped the call. I called back spoke to XXXX at the customer service department. She would not spell her name for me this was around XXXX. She then transferred me to her supervisor XXXX with card holder services at around XXXX. After speaking with him for 20 mins he said he could not help me. He told me to I could call back tomorrow when wait times are less or he would have me transferred back into the cue and hold again. After 4 hours of already waiting and having their employees hang up on me. No one will offer help or answers. Its so frustrating. All they say is sorry with no resolution.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Not sure who's they are. Please remove 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