vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Reference to the Wells Fargo correspondence letter, Subject : Resolution to inquires received for account number XXXX, dated XX/XX/XXXX, received in response to CFPB complaint # XXXX. 

In Wells Fargos stated commitment to making sure we have the documents we need to resolve our issue, we are requesting a correction to the Wells Fargo letter noted in the above paragraph. 

Original Wells Fargo letter stated incorrectly that the XXXX XXXX XXXX ( XXXX ), a FDIC financial institution acquired by Wells Fargo, paid off lien originated by XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, for which the Deed of Trust currently is unreleased and blocked the sale of our property causing over {$2000.00} in financial damages. 

In response to our request for additional documents that supported the Wells Fargo research showing payoff of original XXXX XXXX in the form of a Payoff Letter, HUD-1, or any other documents showing amount, account number, and date, we were assigned a new Executive Resolution Specialist XXXX XXXX XXXX. 

In working with XXXX XXXX we brought forth the issue that XXXX was not listed in the chain of title deed on record and provided faxed documents to substantiate the issue from the County Clerk Circuit Court chain of deed title history along with a Certificate of Satisfaction showing the original XXXX XXXX was paid off by XXXX XXXX XXXX in XX/XX/XXXX and consecutively then assigned to XXXX XXXX  XXXX XXXX, in XX/XX/XXXX, which was then subsequently was acquired by Wells Fargo. 

XXXX XXXX upon further research was then able to provide the XXXX XXXX XX/XX/XXXX HUD-1 Settlement Statement showing payoff of the XXXX XX/XX/XXXX dated XX/XX/XXXX, from the Wells Fargo archive records.

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 2018-07-14 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: AR

Complaint narrative:
I have consistently received low credit reviews from Transunion. In trying to find out why, I ordered a review of their file which they've been building since I became a widow. 
There are several listed which I've never used, some which I closed because I moved from the West Coast to Ark., and the stores don't exist here, so I stopped using them. There are then a few which I do not recognize and do not believe I have ever used. 

I changed my basic banking/brokerage system last year from XXXX XXXX XXXX to XXXX XXXX. There is no indication that this report is even aware of it. Since using XXXX, my reports are much better. The use of XXXX XXXX XXXX XXXX should have been deleted or at least updated, since that is not only my bank but also my brokerage account. I was able to simply move money from the brokerage side to the banking side any time I needed to. This report does not even indicate the fact that my monthly balance included the totals of my brokerage account along with my bank balance. Therefore, your report seems to indicate I have an incredibly high total of expenditures when the balance is made up of both sides : banking and brokerage. 
I hope this can be corrected to reflect these changes, as I believe it will show my only sin, in your eyes, is to be late on paying several accounts. I have committed that sin under the belief that the longer my money stays in my bank I am earning interest on it. I have never once in my XXXX years of doing business as an adult failed to pay for anything which I have bought. I use a different system, as I said, in order to keep my cash in my bank as long as possible before moving it into the " cash '' side, at which point my bills are paid.

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 2018-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello Sir/Mam I have a problem with my credit file. I disputed an address on my file and a name. The address was already on my credit file and a duplicate incomplete was there also. The representative did not want to remove the incorrect address so I asked for a supervisor. The supervisor came on and stated he would take care of it. The incorrect address was XXXX XXXX XXXX XXXX XXXX   XXXX and the name was XXXX XXXX. I received an update this morning which stated the name and my SOCIAL SECURITY NUMBER were DELETED!!!! THE INCORRECT ADDRESS IS STILL THERE!!! I am very upset!!! This is in retaliation of me asking for a supervisor and these actions will not be tolerated!! I want this corrected IMMMEDIATELY!! I want the calls pulled and reviewed. I am filing complaints with the CFPB, XXXX and any other bureau I can find!!! It's bad enough people have worry about FRAUD BUT WHEN YOU HAVE TO WORRY ABOUT THOSE WHO HAVE ACCEES TO YOUR PERSONAL RECORDS THAT'S NOT GOOD!!! And there is NO WAY A MISTAKE COULD BE USED AS AN EXCUSE!! Address, name and social security number do not sound alike in any way!!! Please correct this asap. I may be reached at XXXX XXXX XXXX. I want to file an official complaint against both the representative and supervisor who handled my call yesterday evening. XXXX was the supervisor and XXXX was the representative I spoke to first. 
Thank you. 

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 non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
From XXXX XXXX XXXX University and the University XXXX XXXX XXXX, I took student loans out in the years XXXX to XXXX for my degree, XXXX XXXX XXXX, in the amount of {$70000.00}. 

I have been trying to pay these loans off for 11 years and have been unable to because of Navient 's unlawful practice. I now owe over {$88000.00} while I have paid over {$10000.00}. 

For so many years I was unable to make payments because of Navient 's unlawful business practices and how they required me to overpay for student loans. 

For example, they wanted over {$1100.00} per monthly payment. I explained I could not pay them that, but that I could pay them {$450.00} per month. They would not accept lower payments and said I could not make them. 

They will not take lower payments that I can afford, so instead I am forced into applying for deferments or forebarance. 

So here it is, 11 years later, and I am in a worse financial situation than before I took my loans and earned my degree. I have applied to hundreds of jobs, but can not get a job with my degree because I have no teaching credential and am not a licensed teacher. So many jobs I applied to told me they would not hire me because I did not have enough teaching experience in my field and I did not have teaching credentials or license. 

This has decreased my quality of life. I can not afford a new car. I am still driving a car that is 18 years old and another car that is 10 years old. They are falling apart and need to replaced, but the burden of these loans is too much. We have had to repair the rusted out leaking transmission fluid lines, rusted gas filters, etc. etc. 

Please help relieve this burden! 

The university should have never admitted me into my program of study because I did not meet their admission requirements - not enough teaching experience and no teaching credentials or license! 

I have not been able to benefit from this loan. It has hurt me and I wish I never went through all the struggle and study to earn my XXXX of XXXX. 

Please help! A XXXX year old with a worthless degree and almost {$90000.00} in debt for over 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I received an email about a previous claim that still has not been handled. 

I received paperwork that needed to be filled out, so I filled it out and sent it back. Still has been no resolution on the fraud investigation from what seems like way longer than 90 days ago.

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 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
After I XXXX XXXX XXXX Talk to Mr XXXX about Chase Bank did not Cash my SSDI/C8 Disability Account, Check, From an Accoun : Clean Slale Checking Account,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.

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 2018-07-14 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: AES/PHEAA
State: NC

Complaint narrative:
My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has called from this number : XXXX several times. The real problem is that the caller ID indicates the call is coming from XXXX XXXX, and not Portfolio. This is a very deceptive method, and if it is not illegal, it should be. Claiming to be another company to intentionally deceive the recipient of the call just to collect on a debt is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 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: GREAT LAKES
State: WA

Complaint narrative:
Opened a secured card. Company not reporting account, nor reliable payments. Opened for credit repair. They also charged a joining fee which was not obviously disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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:
The issue is Navient 's ( Sallie Mae Student Loan Debt Servicing ) illegal data mining on my private computer. Today, XX/XX/2018, while on-line at Navient 's site filling out my annual application for income driven repayment, the Navient site requested that I update all of my personal information. When I hit the auto-fill option for telephone numbers, it listed all three of our telephone numbers ( 2 cell and 1 landline ). Plus a lot more that shocked me. Two of Navient 's auto-fill entries pertain to private information that has nothing to do with Navient and is only saved on my computer. One suggested ( Navient ) auto-fill telephone number is a local government agency I've been dealing with since XXXX of this year. It also listed that governmental email address. The other suggested auto-fill entry had an entire sentence from a personal letter, saved in a file folder about 7 layers deep within MyDocuments. That specific sentence is unique, and entered only one time, in one letter, saved in a separate file folder, even deeper within MyDocuments. It was never transmitted by email. That letter was written, printed out, and hand-delivered in a meeting. I've photo recorded both of these " illegal '' privacy infringements on my phone, and sent the pictures with a detailed explanation to as many people as possible. The message being, get off the internet and stay off. The " hackers '' we hear about on the news is the US Government. This Governmental infringement on privacy will destroy the internet. I'm off line, permanently. I will wait for an internet response from CFPB to get a telephone # to continue this discussion if you wish. All discussion after that will then be via snail mail. If I don't hear anything within a reasonable period of time XXXX just lost another customer. I'm going back to snail mail. The internet is dead as far as I'm concerned. I will contact XXXX and some-how find out how to download en mass everything I've ever entered on their cloud server, to hard-copy paper, and then shut down/delete everything in the Cloud. Governmental infringement on privacy is the death knell for the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: OR

Complaint narrative:
bank of America is still reporting a charge off credit card on my credit report even after they issued a XXXX in XX/XX/2018. I have paid taxes on it but its still showing up on my report.

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 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Evbyen though I have called the company aaboout adverse report on the credit bureaus records for XXXX and they have the records that my account was paid in full ( {$780.00} ) by XXXX ending in XXXX in XX/XX/XXXX, they now are reporting I have an account balance of over {$4000.00}. This account was closed at the time of the payoff. By the way, the product and services were inferior which is why I ended the business relationship in XXXX. I spoke to a XXXX after being transferred by XXXX at XXXX.The account was handled by XXXX XXXX which no longer handles XXXX collections . The account went to claim also collections because I was hospitalized.I am also countering a XXXX XXXX Walmart Credit card account XXXX with a {$500.00} limit which was paid off and account closed in XX/XX/XXXX. through XXXX XXXX XXXX. The confirmation number is XXXX through employeee XXXX XXXX. 

Please correct adverse credit report info. I am enclosing copies of the XXXX XXXX documents. There are no charge offs on these 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 2018-07-14 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: MIDFIRST BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ),  they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.

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 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXXXXXX XXXX has been unresponsive in resolving this issue.

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