vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: NV

Complaint narrative:
The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, 2017 USAA closed my account and refused to return all funds owed to me. {$1100.00} was deposited into the ATM own by USAA, deposit was made by cash. USAA decided that the account transactions were fraud and informed me that no money would be returned. Ive contacted USAA several times and sent them all documents of identification proving that I am the actual account holder. On several occasions USAA has hung up the phone when I was addressing my concerns. USAA has never emailed me or mailed a letter about this situation all form of communication was started by myself the account holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To whom it may concern, Commenity Bank has made numerous phone calls to my cell phone using an 'unavailable ' phone number trying to retrieve payment. I have answered a few of said phone calls however, when I do, I usually get no response on the other end. This evening around XXXX XXXX EST on XXXX/XXXX/2017 I  was unavailable and a friend of mine answered the phone for me as instructed. She said " hello '' and the person on the other end who named himself as XXXX advised where he was calling from and for what reason without verifying my identity first. Obviously, said person who answered my phone was not me. In trying to ask why he is telling her all of this information he then tried to tell her she was not on a recorded line and that the phone number showing up on my phone that he is calling from was not listed on the Caller ID as unavailable. Unfortunately for them, it absolutely was. Also, he never stated he was on recorded line and he also tried to advise that they do not abide by the FDCPA. <P/>I would love some clarity on this issue as I am pretty positive that you can not disclose a debt to just anyone unless they verify some type of personal information such as SSN or DOB at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.

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 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

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 2017-06-30 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: IL

Complaint narrative:
I looked at cars twice from XXXX different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the XXXX  department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

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 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I submitted a complete modification packet to Wells Fargo since X/XX/2017.However they are refusing to provide me mortgage assistance. I explain to them that my income has change, my son is no longer contributing and the renter I had left without paying me rent. I provided Wells Fargo with my new income, the new company I am currently working, they offer over time. <P/> Wells Fargo is stating there is not enough change of income is order to activate my file with the under writer. How is it possible that Wells Fargo is stating there is not enough change in order for them to activate my file. I explain to Wells Fargo I am not collecting rental and my son is no longer contributing, that is enough change to be evaluate for a new review. Also the new job is offering over time and my paystubs is showing that increase of income. Now Wells Fargo has schedule a new sale date for X/XX/2017. I am scare to lose my home. I am trying to work directly with Wells Fargo but it seems to me their intentions are to foreclose my home. I dont have any where to go, I have loss so much already a marriage of over 20 years and now my home, I am extreme devastated. Please help me keep my house, since I have never denied myself to work with my Services.

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 2017-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX Credit Card is not on my Trans Union credit report. In the past it was.

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 2017-06-30 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: MO

Complaint narrative:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: MO

Complaint narrative:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX I reviewed my credit with Experian and they have my fico score is very damaging at XXXX in which it should be higher than that. Experian statements of 60 days late payment and collection and XXXX hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XX/XX/XXXX and it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with Experian, XXXX and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The XXXX hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled XXXX in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by Experian, XXXX and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on Experian, XXXX and XXXX.This is Fraud.address

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 2017-06-30 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: TX

Complaint narrative:
I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I placed an order online " XXXX XXXX XXXX '' for the amount of {$120.00} I never got an email saying it was shipped so after reaching out to the company twice I decided to make a fraud claim through my bank " chase ''  they refunded my money and after a month they took money from my card because they denied the claim And said the reason why they did that was because there was a 120 days period to get my money back and because they do n't have an estimated delivery date they count from when it was purchased and not only are they starting the count from the wrong day they never informed me about the 120 day period and all they said was sorry for not informing me but I ca n't get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 2017-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. Bank of America 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I Tried to send payment to XXXX XXXX XXXX XXXX XXXX XXXX It needed to be there today. I was advised it usually takes about 15 minutes to a half hour but it should be there today. A check with the Bank around XXXX indicated they did not have it. WU agent informed me money was there avaibale but the bank did not reach out and collect it. Call them She also said it could take up to 24 to 48 hours which was unacceptable! I called the bank. At XXXX Bank called and still no money! I recalled WU who informed me Money was returned. Who authorized a return DUH! Asked for Manager got the same response from a Supervisor- unacceptable- I demanded a Manger and God one named XXXX who said that was MISINFORMATION! He said he it take 3 to 5 days totally unacceptable- After a rather direct talk he stated he would expedite it and reach out to their third party processor via email! He assured me they will try to process ASAP! Note IF THEY WOULD HAVE RETURNED IT AT XXXX XXXX  THAT LEFT TIME TO GO SOMEWHERE ELSE- NO THEY SAID IT WAS WAITING ON MY BANK! They have created a serious financial issue.

Company response to consumer: Closed with explanation