vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been trying to avoid default. I spoke with Navient several times about getting payments that I could afford since I have several student loans. They wanted a payment that was beyond my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI E ITEM FROM MY REPORT, THAT NEVER SHOUL DHAVE BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE WIOTH THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.

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 2017-06-13 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It  May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.  XXXX  BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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:
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in XXXX. The mortgage was completely paid off in the sale however at some point XXXX XXXX noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan. I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the XXXX XXXX responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the XXXX acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the XXXX XXXX representative XXXX XXXX ( Executive Resolution Specialist ) referenced the WRONG loan number. When I spoke with XXXX the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from XXXX XXXX, XXXX in which XXXX referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet. 2 weeks ago I physically went into a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) where I spoke with XXXX XXXX and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR XXXX XXXX LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point  XXXX   XXXX  noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.   I have been attempting to resolve this matter for over  2  yrs. and have constantly been given the run around, with some of the  XXXX   XXXX  responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers  may  have changed after the  XXXX  acquisition - you ( me ) didnt send in the correct loan number - old records  may  have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the  XXXX   XXXX  representative  XXXX   XXXX   (   Executive Resolution Specialist  ) referenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet.  2  weeks ago I physically went into a  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX ) where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR  XXXX   XXXX  LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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:
I have previously attempted to dispute several inquiries that are a result of true name identity theft. I have called and attempted to dispute the inquiries in question and was transferred several times.     The inquires I am disputing as fraud are :   XXXX   XXXX   XXXX   -  XXXX / XXXX / 2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /   2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX / XXXX / 2017

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 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am applying for student loan refinancing and applying for a mortgage on a first home. I had a credit FREEZE with TRANSUNION.     I have paid the  XXXX  $ to lift that freeze. STILL the mortgage company and the student refinancing company are n't able to access my Transunion credit rep ort ( w hich they both require to have all  XXXX  reports ).     I have called REPEATEDLY and WASTED HOURS of my life. I 'm always transferred to  XXXX  where the reps do n't have a comprehension of what I 'm saying/needing. Then I request to get transferred back to t  he USA to speak with someone. One time after 20 minutes on hold, I spoke with a person who said she fixed it. The other attempts to get my call transferred to the USA mysteriously " get dropped '' and I 'm hungup on.
I STILL ca n't finish my mortgage application BECAUSE Transunion is STILL showing my credit report as FROZEN. EVEN THOUGH I 'VE EVEN GONE ONLI  NE AND REMOVED IT ENTIRELY.     I 'm SO beyond frustrated. I 've lost my  XXXX  $ and my sanity. It 's nearly IMPOSSIBLE to even speak with a human being at Transunion and when you can, the English comprehension is n't available.     Transunion is running a SCAM to take people 's money and cause added stress and frustration in their lives!!!

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 2017-06-13 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACCESS GROUP INC.
State: NY

Complaint narrative:
I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.

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 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was unemployed fromXX/XX/XXXX throughXX/XX/XXXX. During this time I fell behind with my mortgage. I applied for a modification and was denied based on M & T Bank internal requirements and not FHA guidelines. I was told that I need my mortgage payment to be 40 % of my income.

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 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TX

Complaint narrative:
on  XXXX / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: GA

Complaint narrative:
In  XXXX   XXXX  I hired  XXXX   XXXX   XXXX  to work on my credit report to remove negative and inaccurate information, which was done ; however in  XXXX   XXXX  when I pulled my credit report I noticed that an account from  XXXX   XXXX  was reinserted back on my credit report, which is a violation of my rights under the FCRA.     I submitted a dispute to TransUnion,  LLC  informing them on  XXXX   XXXX ,  XXXX  sent the letter certified mail which they received on  XXXX   XXXX ,  XXXX  that the account  XXXX   XXXX  was deleted off of my TransUnion Credit file on  XXXX   XXXX ,  XXXX  ; and that they did not follow the guidelines according the FCRA requirements to reinsert the account.     In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii ),   you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion I writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was told by TransUnion that is incorrect and that anything can be reinserted on my credit file if it belongs. Also, they did not even review the letter that was submitted to them -- the representative informed me in was just scanned in my file and never looked into.     I am requesting that because TransUnion remove this item off my credit report as it did back on  XXXX   XXXX ,  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation