vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXX XX/XX/2017 unauthorized XXXX XXXX XXXXXX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine

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 2018-11-19 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: CA

Complaint narrative:
I have called the company several times and the people I spoke with raise their voices at me and refuse to offer any type of repayment option that I can afford or let alone anything other than a large unreasonable repayment at a outrageous interest rate. They advise I should fall behind on other creditors in order to pay them. I was previously on a rate reduction program and paid just fine for many years, when asked to keep my current payments the same, I was told I could not and they must be increased significantly. I was also told that I am utilizing my credit and therefore they can't work with me but after taking a run down of my finances, they advised they were aware I could not afford more. I advised that I had been using my credit cards in order to make their payment but that is not good enough, they want more money. I also advised at the time that I was XXXX and going on XXXX due to XXXX XXXX XXXX, which will also decrease my wages and ultimately incur more monthly expenses. I was told by the rep that didn't care and that doesn't matter to them. The interest rates are significantly high and even though I have paid for many years, the company refuses to reduce my interest rate or payment. I also received a letter stating to call and I would be offered multiple repayment options, including settlement. When I called the number on the letter, I was not offered one repayment option other than {$400.00} a month, which I advised was impossible. The rep on the phone then said why should we work with you if can pay all your other creditors, I advised that I had offered to pay a more reasonable amount and the rep claimed that was not good enough and that they will not work with me and if I don't pay, they will sue me! No offer of these plans as stated in the letter I received and they continue to harass me with multiple phone calls daily with no messages left and oftentimes multiple calls back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
XX/XX/2018 the state of North Carolina suffered a terrible hurricane.Our state was declared a disaster. The town where I live is still trying to recover. My house suffered {$17000.00} worth of damage. Insurance paid the claim in XXXX making the check payable to my self and Ditech Financial. I endorsed the check and sent it overnight with a paid over package for return. I have been trying to get Ditech to release some funds so I can complete repairs to my home. I am unable to pay my mortgage this month because I have used all monies I had to purchase material to make the home safe to live in. Ive sent in pictures, estimates and material cost as requested, but I have not received one dollar as of this point from Ditech. Every time I call the claims department a different representative tell me something different. I need the money the insurance company paid for the claim so I can repair my home. I do not know what else I can do to get them to release some money for repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MS

Complaint narrative:
I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.

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 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is incorrectly saying I was late on payment when it was due to their error. They researched and said I would have to file a dispute even though it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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:
Transunion and XXXX are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but Transunion and XXXX  are still reporting this inaccurate 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 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I missed my XXXX, 2018 payment of {$41.00}. Had XXXX down for 3 weeks my fault. received XXXX, 2018 bill stating I owed {$120.00} this included over limit fee I would I incurred because of their charges. Called in XXXX, 2018 and set up Special Program no over limit fee I paid {$82.00} today XXXX, 2018 they say I still owe {$83.00} and XXXX, 2018 {$83.00}. I missed one payment that I am paying an extra {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Perfection Collection for Perfection Collections failure to provide requested information for the debt alleged. Perfection Collection has been reporting an active account on Consumer 's credit report. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Creditor responded with documentation that is insufficient for showing validity of this debt and the ownership of this debt by Perfection Collection. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 6 months after stating that the public record item was verified, only after sending a complaint XX/XX/2018. In my correspondence, I request the Method of Verification which LexisNexis did not give, in clear violation of FCRA. Additionally, they exceeded 30-day response requirements per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: CA

Complaint narrative:
XXXX and Equifax are not removing a XXXX XXXX account that was put on credit in error. XXXX has removed this in a timely manner but XXXX   and Equifax are still reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
Again, someone stoled my identity and opened this account in my name without my permission. State Farm needs to remove and block this account on my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

PUBLIC FILINGS US BKPT CT IL XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2018-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I COMPLETED SEVERAL MODIFICATIONS FOR THE HOME AFTER GAINING EMPLOYMENT AND HAVE THE RESOURCE TO PAY IT MONTHLY. IT IS A HIGH BALANCE DUE TO NOT WORKING WILLING TO KEEP THE HOME. FAY SERVICING IS HANDLING THE LOAN WHICH IS IN THE ESTATE OF MY DECEASED HUSBAND. I HAVE A DEED AND WANT THE TO TURN THE LOAN OVER TO ME OR REPAYMENT OPTIONS TO DO TRIAL PERIOD WHICH THEY REQUESTED OVER {$15000.00} FOR MY FIRST MONTH PAYMENT AND THEN {$1700.00} FOR THE OTHER 2 MONTHS. I FEEL THAT MY ORIGINAL LOAN DOCUMENTS HAVE TO FRAUD IN THEM WHEN THE HOME WAS FIRST PURCHASED. I WOUL LIKE FOR MY ORIGINAL DOCUMENTS TO BE REVIEWED FOR FRAUDULANT TO GET LOAN APPROVED. I DON'T GIVE FAY ANY REASONS TO BELIEVE I HAVE {$15000.00} TO PAY THEM FOR THE FIRST MONTH AND THEY KNOW THIS. THIS IS A WAY TO DENY ME BEING IN MY HOME KNOWING THAT I CAN PAY $ XXXX MONTHLY AS THE TRIAL PERIOD REQUIREMENTS AS STATED FOR THE 2ND AND 3RD PAYMENT DURING THE TRIAL. I WANT NEED ASSISTANCE VERY BAD TO SAVE MY HOME. I'M A XXXX PERSON LIVING WITH MY XXXX CHILDREN AND BEEN IN MY HOME SINE XXXX AND WHEN MY SPOUSE PASSED AWAY IN XXXX THE MORTGAGE HASN'T BEEN PAID. NO TYP OF ASSISTANCE WAS OFFERED TO ME BY ANY OF THE OTHER LENDER 'S HOLDING THE LOAN. I WAS JUST TRANSFERED YEAR TO YEAR TO DIFFERENT LENDERS. NEVER TOD OF DIFFERENT PROGRAMS TO APPLY FOR ASSISTANCE. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our business are XXXX/XXXX having customers in XXXX and USA, we have received proof of transfer for {$2500.00} USD from one of our customers in XXXX on XX/XX/2018, transfer was on hold by OFAC ( Office of Foreign Assets Control ), I already file a license required by OFAC on XX/XX/2018, but at this time my money still on hold, I already talked to WELLS FARGO and XXXX ( XXXX Bank ) several times because OFAC say that the banks are responsible to work on the case. 

I don't know why OFAC has my money on hold if I already send to them proof of all invoices and all documents they request to me, we work hard to obtain this money. 

I hope you can help me with this matter. 


Best Regards,

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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am the XXXX of the XXXX for XXXX XXXXXXXX and XXXX XXXX ( XXXX ) and have a savings and checking account for this organization with Wells Fargo. This account has been with Wells Fargo for at least 11 and likely more than 25 years. Last month, the account 's primary agents were changed to reflect a change in the XXXX   position ( I was newly elected ) and the business office moving to XXXX. So, the operations of this non-profit organization were relocated from XXXX Montana ( home of XXXX XXXX ) to XXXX, Indiana ( home of XXXX XXXX ). 

To conduct the exchange the old and new XXXXr and our accounting staff presented in person to Wells Fargo in downtown XXXX XXXX XXXX, Utah, where we provided identification, and organization documents ( meeting minutes and articles of incorporation, etc. ). This was a very tedious process because we received conflicting instructions in three separate phone calls to Wells Fargo. 

Today ( XX/XX/XXXX ) we received a warning letter that our account was to be closed because a business name mis-match and an unknown 'Certification Regarding Beneficial Owners of Legal Entity Customers form. ' This is an urgent matter, since we were given 20 days to report to a branch ( there are none locally ), to re-provide the information we provided in Utah in XXXX. Calls to the bank proved fruitless. 

So, we are a national organization, chartered in XXXX, who has been a client of Wells Fargo for perhaps decades, and they have threatened to close our account due to their loss of our identification, and/or update their internal banking 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 non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee.

So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
I received an email this morning from my mortgage company Primary Residential Mortgage, XXXX XXXX. She stated that she tried to contact me by phone and wanted an update on my XXXX Mortgage. I emailed her back let her know I was unable to call her back after work. At XXXX est, she emailed me again requesting an update and asking if I was still occupying the residence. Really, I am late 19 days on my mortgage,. I called her provided my banking information and asked her " why did you ask if I was occupying the residence? '' she stated to update her records, I believe that she was using it as a scare tactic. No one for the last 2 years ( Making timely payments ) has ever called or inquired about updating my account. Poor Service, using scare tactics. I thought the CFPB would want to know, what type of mortgage company Primary Residential is and how they treat consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have received a letter from XXXX XXXX stating that they have lowered my credit limit to {$1200.00} from {$1700.00} after I made over {$750.00} in payments to bring the card back to an even debt/credit ratio. I am trying to improve my credit score, and as a result of this action, they are actually doing massive harm to my efforts. This is unfair and uncalled for. My credit score was worse when I got this card 2 years ago than it is now, and yet they're punishing me after I made them large payments to bring this account current. Further, I have called and asked to speak to a supervisor repeatedly and they hang up on me every time I try. This is unacceptable!

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 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2018-11-19 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation