vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After looking at my credit report I noticed an unusual amount of credit inquires. Most of the inquires were inquires that had previously fallen off. I called transunion after learning about their security glitch. I was told that there was nothing they could do to help remove the high number of inquires. I believe this is negatively effecting my credit scrore. 

hard inquires not authorized or orginally fell off report ; XXXX XXXX I XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I attempted to have my name updated my personal information. I am now married and would like my married name reported on my report. Its hard trying to apply for credit and not being able to be verified because my name is different in tranunion 's system.

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 2017-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: CA

Complaint narrative:
My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co
State: GA

Complaint narrative:
the loan is included in my chapter  XXXX  the trustee make monthly payment and in  XXXX    XXXX   they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this Complaint against Equifax. Equifax is listing unverified information on my credit report. Equifax is also listing information on my credit reported that was deleted. Equifax has also ignored my requests and failed to provide me with the documents or copies of the documents that they used to verify the accounts I disputed. Equifax has committed multiple violations of the Fair Credit Reporting Act. It has gone past the 30 Day mark given, by the Fair Credit Reporting Act. These unverified accounts are supposed to automatically be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX, XXXX, I spoke with the fraud department at Chase Bank. XXXX checks had been written and cashed on my account. Chase told me it would take 30 business days for me to be made whole, but that I would be compensated for XXXX of the checks in the next 3-5 business days, which I was. Chase requested that I place my account in a restricted status and I did so. However, my account was never restricted and XXXX more checks were drawn on my account. Chase made me whole on these XXXX checks. I was called by a Chase banker to come to the bank to open a new account, which I did. Prior to this meeting, I discovered another fraud check dated XXXX XXXX, XXXX. 
At my meeting with Chase on XXXX XXXX, XXXX, the banker called the fraud department and informed me that I would be made whole on all XXXX outstanding fraud checks totaling {$4400.00}. Chase has not held to their word on this and they have not followed up with me. I wrote a letter to the office of CEO XXXX XXXX on XXXX XXXX, XXXX complaining about their processes and I have still not hear from his office. 
I have documentation for everything I have stated here and more. I find it borderline criminal that Chase paid checks from my account that had a different check maker than that of my company. From my side, they are obligated to make me whole, then collect the money for their corporate account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have been a member of USAA since XX/XX/2003. Last year, I filed for bankruptcy, of which USAA credit card was one of them. Soon after it was discharged, I tried to log on to my account, and received this message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' I was then taken to their mobile site, which limits what I can do, such as receiving documents. This has impacted actions that have needed to get done, such as paying my mortgage bill. 

I also found out that for some reason, I was never able to reaffirm my mortgage, even though I gave them permission to speak with my attorney and gave his information. I wanted to reaffirm my mortgage to show my good faith. 

Since then, I have received sub-par customer service. For instance, my mother passed away, and I had her on one of my accounts. They sent me paperwork to have her removed. I sent it in, but apparently, I was missing a document. No one bothered to let me know until I tried to add my husband to the account. 

Another interesting thing I have since noticed is the order in which they apply transactions. It seems they pay the larger ones first, and then the smaller ones. I thought they were supposed to pay as they came in, but they are not doing that. 

My experience with USAA lately has been frustrating and humiliating. I have other accounts with other banks, and I have full access to their websites. I truly believe because of the bankruptcy, I am receiving the bare minimum of customer service. USAA says they are there for service member and their families, but they 're not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, 2017 To Whom It XXXX Concern : The following accounts are showing on mycreditreport that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from mycreditreports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$210.00} XXXX {$630.00} XXXX {$330.00} XXXX {$510.00} XXXX {$4100.00} XXXX {$3700.00} XXXX {$1900.00} XXXX {$3400.00} XXXX {$2700.00} XXXX {$9300.00} XXXX {$3900.00} XXXX {$5000.00} XXXX {$7400.00} XXXX {$1400.00} XXXX {$2500.00} XXXX {$4300.00} XXXX XXXX {$1400.00} XXXX XXXX DEBT {$270.00} XXXX DEBT {$630.00} XXXX XXXX XXXX {$180.00} XXXX {$110.00} XXXX {$6900.00} Thank you for reviewing this and getting these items off my report immediately. 

Best Regards, XXXX XXXX XXXX : XXXX SSN : 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
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PR

Complaint narrative:
I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX continues to make fradulent charges to my credit card even after I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Servicing Associated Fees on a Loan Reinstatement quote. 
- Military Alive Affividat fee {$10.00} - Dismissal Fee {$230.00} - FC Thru Complaint {$50.00} When a verbal request was given to remove fees, counselor was told that no fees would be removed and that they were all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I have a Prepaid Visa Debit Card from Blackhawk Engagement Solutions, that Expired in XXXX 2016. The card still has a positive balance of {$7.00}. I contacted the merchant and they wanted to charge me $ XXXX to re-issue another card. 
The Visa Card Number is : XXXX. 
Valid thru : XX/XX/2016 CVC Code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX, XXXX XXXX Result : XXXX 
Dispute Reason XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I contacted Navient to let the, know I was unable to make a payment on my loan, and to see if my pay could be lowered or deferred. They placed me on hold, and the young man came back and said that they saw someone else been making payments on the loan as well. He said that I was unable to get it deferred. They stated that I would have to make arrangements with my co-signer to split the payments in half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I was provided an offer to earn 50,000 bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. I confirmed I was enrolled and qualified for this offer on two separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

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 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I previously disputed this case with Portfolio recovery, They agreed to cease collection efforts and remove items from my reports. The items were removed, however they have been reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Between the years XXXX, I was persuaded by my loan servicer, Navient, to either use forebearance or deferment as a method to postpone payments I could not afford rather than reducing my payments or offering me income-based repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I payed off my student loan to XXXX XXXX in 2014. I received confirmation from XXXX XXXX my loans were paid off. I now received a new set of payments from Navient 2 years afterwards that I still owe on interest. This is completely unfair and absurd to be receiving this bill 2 years after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every time I would apply for a loan to purchase my first home. I am always told do that I can finance my property at XXXX , XXXX Ca XXXX, This home was purchased prices was {$160000.00} from a XXXX in XXXX. I had never purchased such a home at all. This individual used the my same XXXX number as mine the Deed # XX/XX/XXXX. The Date recorded from XXXX was XX/XX/XXXX.Documentation number is # XXXX. The seller name is XXXX. The lot building deed number is XX/XX/XXXX the buyer name XXXX , seller name XXXX , Then the other Deed was XX/XX/XXXX the buyer was XXXX the seller was XXXX After checking into this matter I discovered that these individuals had stolen and bought my information.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
This is an invalid debt due to invalid Lien on Property and debt is paid. XXXX XXXX XXXX transferred this debt while Complaint was filed with the Inspector General here in Georgia and documents showing that XXXX had flied an Fraudulent title removing XXXX XXXX from XXXX illegally and placing themselves in First Lien Position then transferring the Fraudulent debt to LoanCare ( XXXX while still in Court. Forensic Audit as well as XXXX HUD ( XXXX XXXX , Director ) verified that this is an Invalid Lien and ask XXXX not to file Foreclosure Proceedings. XXXX then transferred this fraudulent debt to LoanCare Servicing to pursue an illegal debt and pursuing a wrongful foreclosure while this case is in Litigation with the Courts. I never signed any agreement with XXXX nor LoanCare. Documents upon 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 explanation