vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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: AZ

Complaint narrative:
My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: AZ

Complaint narrative:
My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

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 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The issues I have had with Navient date back years. When I was having issues paying my loans they put me first in a forebearance, telling me it was my only option, in XXXX 2015. When they set this up they had me pay XXXX dollars a month for 14 consecutive months to correct this issue. In XX/XX/XXXX I received a call saying they did n't allocate this correctly and I now owed an extra XXXX a month. While I am out of that program now they have made moving to pay as you earn or extension of my repayment time significantly harder than I think it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: FL

Complaint narrative:
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by Experian, XXXX, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly.
A. XXXX B. XXXX C. Experian : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX. 6. XXXX, fraud : Le
arn some manners and respect whomever you speak to when doing business. Remove all fraud and
error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is 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 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I attended XXXX XXXX in XXXX, NY in XXXX. I went for less than a year. I was told that my credits could be transferred after I received an XXXX degree. When I found out that I was lied to and I could NOT transfer my credits, I left the school. XXXX XXXX took another loan out in my name after I left. When I spoke to an administrator about this they literally admitted what they " accidently '' did and said they would return the loan. They never did that. I was n't even in school for a year and I have {$22000.00} of debt from Navient. The school lied to me when registering about being able to transfer my credits and they lied about me taking out another loan. This school is closed so I ca n't even get any information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with
Barclays market-leading rates. If you have any questions, please call Barclays Customer Care
at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX  gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve 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
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a checking account with Huntington Bank online on X/XX/2017, and my wife opened a checking account on X/XX/2017. My son transferred {$2000.00} each to my account and my wife 's account on X/XX/2017 from his checking account at XXXX XXXX. We tried to return the money to his account by transferring, but my account and my wife 's account were frozen. We were locked out of our online accounts, and had no access to our funds. I did contact customer service and was told that the accounts were under investigation for a possible fraud. I was also told in one instance that the remaining balance for my account was {$2000.00}. My son tried to transfer that money to his checking account on X/X/2017 initiating from XXXX XXXX, but it bounced back on X/X/2017 due to the freeze. This is reflected in the statements for his checking account, as is the initial transfers. Please see the transaction descriptions for corresponding account numbers. Finally, we closed my account with Huntington Bank on X/X/2017 and my wife 's account on X/XX/2017. We were told over the phone that the balance of the accounts would be sent to us. Attached are the letters sent to us regarding the account closures. For my account, the letter states that the remaining balance was XXXX. I received no money. For my wife 's account, the letter states the remaining balance was {$300.00}. A check for that amount was included. I 'm not sure how that amount came to be, but I suspect it had to do with the {$300.00} bonus for opening the account and depositing {$2000.00}. We have called Huntington Bank many times and even sent a letter. The people answering the phones have no idea on the situation, and we have never been allowed to talk directly to the fraud department, which also never contacted neither verified with us via any format such as letters, e-mails or phone calls. Every time we called, nobody has been able to tell us where the originally deposited money is or provide records of transactions in the accounts. We did not receive any statements until I sent a letter questioning where our money was. Those statements are attached here and do not include any time frame when money was deposited to the account or withdrawn. The one for my account reflects X/X/2017 to X/X/2017, and the one for my wife 's account reflects X/X/2017 to X/X/2017. Our accounts were n't even open during those periods, and we did n't have access anyway. Furthermore, the statements all the way from initial transfer to now for my son 's checking account show that no money has ever been sent there from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
Without proper notification a bill was added to my credit file by XXXX XXXX XXXX in the amount of {$130.00}. This bill has been back dated to appear as if it has been on my credit report since 2014 when it has not I check my credit on a daily basis. I have never done business with this company, I have never received a bill from this company yet they were able to add a bill from 2014 to my credit file willfully violating its obligations under the FCRA. This item must be deleted immediately or I can pursue damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: PA

Complaint narrative:
Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: MA

Complaint narrative:
I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MI

Complaint narrative:
The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.

Company response to consumer: Closed with explanation