vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
3 years ago my loans were in default, I paid this shady company XXXX XXXX XXXX who said they were an arm of XXXX, I paid them {$600.00} for " filing fees '' then they submitted a payment plan revision to Navient, I think they skewed my family size and my earnings so that my REPAYE plan was like {$21.00} a month. Well two years went by and I figured I could re certify with Navient via XXXX XXXX   XXXX,, you re certify by linking you 1040 IRS form to them and telling your family size, In my case I have a family of dependents my kids ( 3 ) and I am single Head of Household with I make XXXX, I pay mortgage, insurance, car payment, utilities, food, clothes, my youngest child 's tuition {$950.00}, homeowners insurance, etc my payment was {$180.00} a month to navient NOW I re certify and and send them and suddenly I am at {$420.00} a month! I CANT AFFORD THIS. they say its discretionary income that is unfair! I called and spoke to an agent XXXX and she told me we dont take into daily living expenses, I said what about a consolidation? she said yes you can and payment would be {$360.00} but extend the terms for 25 years and at the end I would pay {$95000.00} on XXXX of loans! that is a LOAN SHARK.So then I said what if i dont pay it she said we would keep your potential federal loan return, and we would report on your 3 credit bureaus your default and it could lower your credit by 50 points! I am appalled at the scare tactics that they are using, I said how is this possible you DONT take into consideration your living expenses?? I have no choices now I work as much as possible already I live quite lean for having 3 children to support. This is UNACCEPTABLE and we are stuck the fed govt sets the rate of interest on these loans and the repayment plans are a joke. Navient is NOT the Govt or an entity they are a private party managing govt loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Failure to delete by Transunion. I requested debt validation/verification, Blacks Law Dictionary 6th Edition ; ( Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition ) or sent or contacted me 5 day prior to give " Mini-Marandi '' under FDCPA Sec. 809 before placing this on my credit reports, from Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX, in which I got none of the information requested, in which violates the FCRA and FDCPA.Also, the furnisher in the state of TX ; be it a creditor, third party debt collector/debt buyer is considered a debt collector in the state of TX with cases to back this up on the record. 

Due to the complexity and intricacy of my original dispute, I find it difficult to believe that Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX was contacted by the credit reporting agencies. This type of conduct makes it difficult, if not impossible for a consumer to correct inaccurate information in their credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I have been receiving letters from XXXX XXXX for a couple years. I wrote to them and disputed the initial invoice stating I didn't sign for an XXXX XXXX card. I advised them to send signatures where someone signed so I could see who opened the account in my name. I advised in writing to XXXX XXXX that I didn't owe this debt, stop harassing me with letters and calls to me or other people that may know me. The XXXX XXXX Account I had with them more than 20 years ago I closed paid in full. 

My credit is ruined by fraudulent activity credit cards that I never opened or approved to be opened in my name. I may be a victim of someone stealing my identity. All the sudden out of no where in XX/XX/2019 Radius Global Solutions LLC is calling me multiple times a day collecting this debt. Calling relatives or people who may know me asking personal information. They are calling my home leaving several messages in a day and still repeat calling attempting to collect a debt that I don't owe. It appears that XXXX XXXX Sold the fraudulent account to Radius Global. This collection company is not practicing within the bounds of the FDCPA and is harassing me and people I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
The Statute of Limitations for this Debt Expired in XX/XX/2019. I have asked NCB Management to stop contacting me but they still continue to contact me on a debt that is no longer owed. 

The company is in violation of the Federal Debt Collection Practices Act, The Texas Debt Collection Act and The Texas Civil Practice & Remedies Code ( Section 16.004 ( a ) ( 3 ) ), which states that the statute of Limitations is 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2019 I used my Western Union App to send {$100.00} ( XXXX XXXX  Baht ) to my wife who needed it to take our daughter to hospital for XXXX fever. When she went to pick up the money she was told to refer me to an email that they had sent which stated that the money would not be available until XX/XX/2019. When I called to inquire why my money was being held they blamed my bank. When I checked my bank they informed me that the money was removed by WU at XXXX XX/XX/XXXX, which means WU instead of honoring my money in minutes option, they waited fifteen hours to begin the transfer. When I tried to speak to supervisors at WU they either hung up on me or refused to answer their phones when My call was transferred. 
I am sure that this is part of a much larger conspiracy to keep peoples money so WU can earn interest. 
I will never use the App again, because even though out of twenty transfers this is the first time WU borrowed my money for a week, you never know when the algorithm that they are using to select victims will choose you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bank with Wells Fargo Mortgage and have noticed a trend when using the mobile app to submit my monthly mortgage payments. 

When I submit a payment, a confirmation number is generated on the screen. I try to remember to take a screen shot so I have this confirmation number as reference but on the occasions when I have not taken a screenshot, my payments have failed to process and when I contact Wells Fargo mortgage, they claim to have no record of the payment submission. In all fairness, Wells Fargo has removed the late fee that was assessed on 1 occasion and has confirm that no credit reporting has occurred as a result of these instances but I cant help but think Im not the only customer that is impacted by this and others may not be willing to spend 30 minutes on the phone with Wells Fargo to correct the issue. 

I would recommend that Wells Fargo make previously submitted/pending mortgage payments ( inclusive of confirmation numbers ) available for customers to view through their app and online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX XXXX and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, Transunion and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and Equifax advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at Equifax, XXXX and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from BOA dated XX/XX/2019 stating that my issue was resolved and that no further action was needed on my part. It also stated that they would contact the credit bureaus to have them delete the account on my file. Its been three weeks already since that time. I submitted the letters to the credit bureaus myself and XXXX  told me today XX/XX/2019 that Bank of America DENIED the letter that they themselves sent to me. This company is playing games and that account was reported on my file again this month which resulted in my credit score going down again. Please assist. 
( I have a complaint that was already resolved that should be on file )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: DE

Complaint narrative:
I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My business checking account was debited by American Express for purchases I did not make on my Amex Hilton Honors Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. These are the dates and amounts debited from my checking account by Amex.

XX/XX/2018 {$35.00} XX/XX/2018 {$50.00} XX/XX/2018 {$320.00} XX/XX/2018 {$200.00} XX/XX/2018 {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: GA

Complaint narrative:
I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX on XX/XX/2019.

1 ) my Payment history was never reported correctly by Experian, XXXX, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, Experian, XXXX to correct their reporting of me - again, not late, but in a modification program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: MI

Complaint narrative:
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
I have reached out many of times to get removed and still on credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management & Associates, Inc.
State: TX

Complaint narrative:
In violation of the Fair Debt Collection Practices Act, Financial Management just reported a {$1500.00} collection account on my credit report without first supplying me with a 30-day notice to dispute. If I has received the proper notification, I would have certainly contested the validity of the debt. However, I was never given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I have been asked for paper work that I have no knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
The Mortgage is owned by BECU- Boeing Employee Credit Union . The loan processor is XXXX. 

For the past two years, I've had a nightmare every annual when it comes to insurance and escrow. I purchase my own insurance. My insurance company send in the policy and I also uploaded to their web portal XXXX, but it seems to fall through deaf ears and I am being bullied. 

Escrow : Account 1 : XXXX Account 2 : XXXX ( condo ) The mortgage processor raise my monthly payment without proper notice or allowing me a chance to pay the difference. They citing tax payment goes up. I have been asking for an opportunity to pay, but they bullied me and told me legal no, XXXX. While on XXXX, I have to go on a website and able to pay the difference, to keep my payment the same.

Insurance : The insurance department for this loan processor isn't reachable by phone. They told me, customer service, that I can't communicate directly with the insurance department, whereas, the insurance department sent mail to the wrong mailing address, resulting in they buying insurance for my condo, which I already have. I've been trying to submit and resubmit multiple times, but no confirmation of whether if they received. I'm beyond frustrated. It causes my monthly payment to go up.

Appraisal to get rid of PMI : The processing company charges {$800.00} for an appraisal that is higher than what market price is, typically $ 300-700. The third party company they hired to hire a local contractor, canceled multiple time, and came out to do an a appraisal, and unable to send in the report. When asked for the appraiser license number and information, the company fail to produce and shared they aren't obligated. I have no way of verifying the stranger that I am opening my doors to let in. 

I even reached out to the BECU customer services about my grievance. As an XXXX XXXX XXXX  veterans. My health has been definitely impacted by the level of stress from this company. I am have begged the bank for a mediator and they called once left a message, and I was unable to reach them. The bank simply shared they do not have any regulatory body over the processing company. Please help. It have taken me 3 months to be able to pull the focus and energy together to file this complaint.

Company response to consumer: Closed with explanation