vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I used to have a WalMart store credit card, issued by Synchrony Bank. I closed that account XX/XX/XXXX and received a confirmation email. I noticed on my XXXX Credit Report ( XX/XX/XXXX ) that the account was reported closed by consumer, but did not see that Synchrony Bank checked my credit report on XX/XX/XXXX. When I checked my XXXX Credit Report on XX/XX/XXXX I noticed that up until XX/XX/XXXX they report the account as ok, and checked my credit report again on XX/XX/XXXX. On XX/XX/XXXX I mailed a written complaint to Synchrony Bank. The Bank responded on XX/XX/XXXX, but no result yet. On XX/XX/XXXX they have sent another letter, asking me for a copy of my credit report. I have mailed that specific page on XX/XX/XXXX. While I am waiting for their response I checked my Credit Report on XX/XX/XXXX and noticed that Sycnhrony Bank has checked my Credit Report again on XX/XX/XXXX, which is before I have sent my first written complaint to them. Therefore they have no legal right to check my Credit Report on the regular basis, or check it at all for that matter. I was willing to wait patiently for the outcome of my complaint, but I have not expected Synchrony Bank to further check my Credit Report after my first letter from XX/XX/XXXX.
My Credit Score on XXXX is currently XXXX points lower than on my other Credit Reports, and that bothers me, although I still have an excellent score.

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 2017-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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: CA

Complaint narrative:
I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, XXXX and Transunion. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

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 2017-07-25 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: CA

Complaint narrative:
I am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

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 2017-07-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX, I paid Chase in cash the full amount of an account that was previously charged off. Chase alleged it notified XXXX of the same on XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XXXX XXXX XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XXXX XXXX XXXX ( XXXX ) - I filed an online dispute with XXXX  providing proof of payment, as instructed by XXXX. XXXX XXXX XXXX ( XXXX ) I went into a local Chase branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, Chase representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XXXX XXXX XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XXXX XXXX XXXX. I  asked what that meant. Rep said : documentation was sent to Chase requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions XXXX around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I applied for a home loan with quicken loans ( end of XX/XX/XXXX ) I disclosed there was a foreclosure in the initial questionnaire. I was told I was approved for an FHA loan. They put me in contact with a realtor and I started looking at homes. I found a home that I put an offer on, paid {$400.00} for the appraisal and {$320.00} for the inspection. I was still looking as the real estate market is rather low right now. I was speaking to another lender and disclosed the foreclosure to her and she looked up my credit report and said I would not be able to even start looking for a home until XX/XX/XXXX. When I called quicken loans they assured me that everything was going good and our closing date had been moved up to XX/XX/XXXX. I then began asking how this was possible when I was just told by another lender it was n't possible until XX/XX/XXXX. Then they started fumbling around and changing their words. My wife called and spoke to a XXXX XXXX Representative who " investigated '' the situation. My wife asked her how this was not their fault for allowing us to move forward and pay out {$400.00} for the appraisal and {$320.00} for the inspection. We were lucky enough to save the earnest money of {$3500.00} that was also paid out. If I had not spoke to another lender I would have also lost that. We would have never found out until underwriting which would have been too late to save anything ( if they would have caught it ) The Loan Specialist I was working with seemed over whelmed and over loaded as he could not keep his accounts straight, he asked myself and my wife multiple times regarding the car loans we currently have and only asked 1-2 times regarding the foreclosure. I feel that they are at fault and need to pay us back this money. If they had not given us a false approval we would have never paid out the money we paid. I feel that I was taken advantage of and even a bit violated by what they have put us through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: TN

Complaint narrative:
In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my debt.

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 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Comerica
State: TX

Complaint narrative:
I opened a small business in 2014 with a term loan and a line of credit from Comerica Bank. We signed a term sheet that did not disclose any prepayment penalty and it was not discussed with us. The final term loan contract included a clause about a large prepayment penalty that was difficult to understand. We are now trying to refinance the loan and are being told we owe a {$6100.00} prepayment penalty on a {$150000.00} balance.

Company response to consumer: Closed with explanation