vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was made aware by an article I ran across online on XXXX/XXXX/XXXX that TransUnion had a system glitch on two separate occasions. One in the Summer of XXXX and another in the beginning of XXXX where inquiries were removed from consumers credit reports and then added back to consumers credit reports without providing them with prior knowledge of the glitches removal of said inquiries and of the inquiries being added back to consumers credit reports. 

The article further stated that the consumers should have received notification five days prior to the inquiries being added back to their credit reports, but I was never notified about the glitches removal of inquiries from my credit report nor was I notified five days prior to the inquiries being added back to my credit report. The article also stated that consumers should contact TransUnion immediately about the two glitches incidents because it is illegal to added the inquiries back to consumers credit reports without five days prior notification. 

So I contacted TransUnion on XXXX and informed them of the information I had just read and informed them that I was never notified about the glitches removing inquiries from my credit report and TransUnion adding the inquires back to my credit report. I also stated to the TransUnion representative that I am requesting that any and all inquiries on my credit report that were involved when these two glitches occurred be removed permanently. 

I was informed by the TransUnion representative that I must provided them with dates where I noticed that inquiries were removed and added back to my credit report. I asked the representative how can I tell you that when I stated that I 'm just now hearing of these glitches incidents. The TransUnion representative stated without me providing dates as to when I noticed inquiries being removed and added back they can not see if I was affected. 

I then stated to the TransUnion representative that I can only provided you with dates where my credit score increased and the decreased around the time of the said glitches incident because removing the adding back inquiries would impact my credit score. The TransUnion representative then stated that information would not help her, she then stated again that she needed the actual dates when I noticed the removal of inquiries and when they reappeared. 

Again I asked the TransUnion representative how would I know this information when I did n't know the glitches had occurred? She informed me their was noting she could do without it and she could not and would not remove any inquiries.

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 2017-09-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I borrowed from XXXX XXXX, then I consolidated. My loan servicer turned into Navient. Navient will not allow me to make payments to principal without clearing accrued interest. I wrote a letter about two years ago asking for payments to be applied to principal first, then interest. No payments are due from me at this time as I have been making payments as aggressively as possible. On the phone today, I was told it is company policy, that they are not allowed to apply payments to principal before interest. I was told no matter what I do, Navient will always apply payments to interest first, NOT principal. I informed Navient of my opinion that this is wrong, especially since I never agreed to Navient servicing my loan or any hierarchy in applying payments as far as I know. I asked how to get my loan to another loan processor who will respect my preference for principal to be paid before interest, and was told to hold for a supervisor. The supervisor told me that Navient follows a " federal guideline '' from the Department of XXXX that says to apply payments to interest first. I can not find this guideline anywhere online despite the fact that I asked the Navient supervisor to direct me to it ; he could not. Supervisor told me the only way to move loan would be to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX credit report shows two inquiries on my file from Chase XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both Chase and XXXX regarding the XX/XX/XXXXinquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XX/XX/XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I am writing in hopes that you can help me to stop XXXX XXXX from a collection action where I have tried for months to get them to send me a statement that is broken down explaining all the charges and not just a final bill. I have called repeatedly and ask for this so I can get the early termination fees taken care of by XXXX as per our agreement for switching to them. They have turned my account over to a collection agency and after they called me two days in a row after me telling them not to I get a collection bill from them today. I have tried over and over to get this resolved and I have asked them to please break it down so that the bill can get paid and every time they send me a bill is only stated final bill and has all charges stated as one. I have taken this bill to XXXX where the local office accepted what I took to them but when it went in to the decision makers they would not accept it because it did not break it down to show early termination charges and any charges for service. As you know you have to pay for service to them a month in advance and I paid for the last month that I was with them and yet they say I still owe them money plus early termination fees. The early termination fees will be paid by XXXX if they will send a breakdown on the bill and not just a final bill. I do n't know what else to do to get this worked out and keep it off my credit report. I have done everything I can and they refuse to send the bill broke down as has been requested numerous times in the past few months. I hope you can get this resolved for me and help me to keep this from showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX  XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...

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 monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: TX

Complaint narrative:
Experian credit report shows two inquiries on my file from XXXX XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both XXXX and Experian regarding the XXXX inquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.

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 2017-09-05 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: WI

Complaint narrative:
On XX/XX/XXXX I requested a copy of all 3 of my credit reports from XXXX XXXX XXXX. I reviewed my reports and Equifax did not have any inquires on my report. I recently have been trying to fix my reports and get a better understanding of them. I pulled my reports again each month after that and inquires reappeared on my account without Equifax contacting me. by law my legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. I Demanded that all of the inquiries be deleted for this reason and this reason alone be removed from my Equifax report. Today is XXXX and i have been disputing the same issue with them. I spoke spoke with the Rep and have is information is needed. I also have the CR that I pulled in XXXX and my current CR. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: DC

Complaint narrative:
For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.

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 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
While enrolled as a Student with XXXX XXXX I was told that in order to maintain my enrollment I needed to take out private loans due to not having enough federal funding available. This has resulted in high private student loans that are piling up and forcing me to have next to no money to live even though I make almost XXXX XXXX a year. Now XXXX each has closed and ran with all the money they received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
There is no loan no Valid Contract with SPS, it is null and void for forgery with loan originator XXXX XXXX XXXX OUT OF BUSINESS, and also stealing social security number to defraud go to the fed window by loan originator which there was no disclosure on this. 
THERE ARE SEVERAL ARREST WARRANTS OUT FOR XXXX AGAINST SELECT PORTFOLIO SERVICES, AND MANY OTHERS. XXXX YOU ARE NOW LIABLE TO ME FOR 10 YEARS OF SUFFERING ON THIS FRAUD AIDING AND ABETTING TO ALL THE OTHER PARTIES INVOLVED. THERE ARE MANY. XXXX ARREST WARRANTS SO FAR. ALSO A DEFAULTED BILL AGAINST XXXX. THERE IS NO VALID CONTRACT WITH XXXX XXXX, XXXX XXXX XXXX XXXX. YOU CA N'T SELL SOMETHING YOU DO N'T OWN. 
IF YOU DO N'T BELIEVE ME JUST TRY ME. 
FINAL NOTE ALL ILLEGAL DEBT IS TO BE WRITTEN OFF VERY SOON LEAVE ME ALONE AND MAKE SURE YOU HAVE A WET INK CONTRACT WITH ME PER FEDERAL LAWS BEFORE YOU THREATEN ME AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through. 

I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay. 

In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I noticed a fraudulent charge on my account for {$30.00} from XXXX XXXX XXXX. I notified Barclays via mail that the charge was fraudulent. Barclays refused to remove the charge. I then noticed another charge for {$30.00} from XXXX XXXX XXXX. I notified Barclays again via mail, and requested the account be closed. Barclays closed the account but refused to remove the fraudulent charge. 

Due to a XXXX I do not communicate effectively via phone. I have requested that Barclays contact me via mail, or email, only regarding this matter. However, Barclays has not responded to this accommodation request.

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 monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove it.

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 2017-09-05 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: GA

Complaint narrative:
SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.

Company response to consumer: Closed with explanation