vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 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: IL

Complaint narrative:
I have contacted Transunion about inaccuracies on my report since XXXX 2017. I have sent letters, called in and I have yet to receive any updates or responses back. I recently called in and spoke with a supervisor and he was very abrupt and not willing to assist me with my issue. There are several inquiries as well as payments posting inaccurate. He kept cutting me off and saying that there is nothing wrong when I am telling him there is. There were wrong addresses, names and other things. I want this removed from my report immediately as this is unfair and they are reporting bad 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 2017-07-24 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: ACS Education Services
State: MI

Complaint narrative:
For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: LA

Complaint narrative:
A relative ( in law ) received a call from " XXXX '' a representative of Asset Recovery Solutions at her residence on X/XX/16. I am in no way connected to this in law in regards to any form of credit, bank loans, etc. I have never used her personal information for any reason. " XXXX '' or any representative of Asset Recovery Solutions should have not pulled my in laws information from public records to use it to collect any debt they are not legally tied to. " XXXX '' also tried to coerce my in law who is a senior citizen in advanced age to go into her phone to retrieve contact information to reach me about a " job ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I made a wire transfer of {$150.00} to Coinbase, Inc on XXXX/XXXX/2017. However, until now, the fund is still not available. I tried to contact Coinbase Customer Support, but my ticket has not been replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft with multiple accounts and a tax return. I have reached out to this company notifying them of such and have completed their identity theft paperwork but it is still on my credit reports. I have not heard anything back from them in over a month since I sent the paperwork with police report included. This account is negatively affecting me on all three bureaus and the amount keeps changing between XXXX and XXXX something owed for this fraudulent account. I did n't even have a license or a permit when this account is being recorded as being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have had multiple issues with Navient. First, I was unable to even log into my account for nearly two years! I called on multiple occasions to have my login and password changed and it never helped, so I simply had to call every single month when I needed an update or to check on my balance or anything. My second issue is with interest rates. I think it is absolutely absurd when my student loan interest rates are more than double that of my car loans or my mortgage loans. Third, the way they structure repayment options is that if you decide to choose how your payments are applied, ( I.e pay off higher interest loans first ) you are unable to enroll in auto pay which in turn causes you to lose a 0.5 % decrease in your interest rates. However the 0.5 % you save does n't even come close to comparing to the amount of interest they gain by paying the lowest interest amounts first and barely touching your high interest debts. Then, if you even attempt to get your payments reduced because your monthly payments for your student loan debt are nearly half of your mortgage payment, forget about it. You 'll spend three months filling out paperwork and sending it to half a dozen different departments only to be turned down in the end because you " make too much money ''. I did n't realize being lower middle class with barely anything in savings, living paycheck to paycheck was living large these days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: MI

Complaint narrative:
For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: MI

Complaint narrative:
For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: GREAT LAKES
State: MI

Complaint narrative:
Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank changed the terms on my bank account a second time without notifying me. The first change would prevent me from ever having a transaction in the bank with a human being without being charged a fee. I learned about this issue after finding a unknown charge on my account. The ATM was broken and I had to deposit money using a human at the drive through. They later waived the fee because their machine was broken. It was the 1st time I was made aware of the change. I have had the account for over 7 years. There were not the rules that I signed up for the account, The most recent issue was I got charged another fee because the rules changed again and now you needed direct deposit or a minimum balance or a fee was charged your account, I have a couple direct deposits on the account but they were not large enough for the bank. A bank should not be able to offer a bank account and once you have it for a couple years just change the rules without you approving of the changes. Anytime they need more revenue they look at their client 's account and see how can me steal more money from their accounts via fees. They get to use our money to lend to clients and they still charge us a fee for leaving money at their bank. The fees are excessive for doing nothing but depositing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: CA

Complaint narrative:
Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( 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 explanation
Consumer complaint received 2017-07-24 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: CA

Complaint narrative:
Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. 
I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I had made a payment ofXX/XX/XXXX with it being a Saturday on Pennymacs website. The Pennymac had my credit unions information listed. On XX/XX/XXXX which is a Tuesday I had this emailed sent to my PennyMac confirming that my payment was processed and approved. From : **Automated Message** When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX Dear XXXX XXXX , We have successfully processed the Payment transaction scheduled for XX/XX/XXXX, for the amount of {$1000.00}. Sincerely, The PennyMac Team On Friday the XXXX I had started to wonder why the money was n't taken out of my bank. I had tried emailing and calling the company. When I had called the company the automated phone line had said that my payment was received and processed. I could n't even get a live person if I tried to. Today Monday XX/XX/XXXX I hear back from a representative saying my Subject : Payment From : PennyMac Loan Specialist When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX XXXX XXXX, Yes, we received the payment you made on XX/XX/XXXX and it was returned by your bank unpaid as " Account Closed '' on XX/XX/XXXX. Your account is still do for the XX/XX/XXXX payment. Thank you for allowing me the opportunity to be of service. XXXX I am confused on how a payment can be processed on XX/XX/XXXX with a confirmation and than today I am now first learning that it was sent back by my credit union. When I had contacted my credit union today they had told me that I have a active account also I ended up using my bill pay to send off the payment. I am now getting a late fee for a payment that I was n't made aware that was even late. I honestly do n't believe they would even told me anything. I also just received a notice saying my escrow is in the negative when I had enough money to make the insurance and tax payment. I just feel this company is out to get consumers. I am not the first and wo n't be the last to have this company investigated. I just want to make others aware of this company. This is the 2nd time I have used the site to make a payment and this happens. I can promise I will never use the site again and always use my credit union. Once I find a different lender I will be gladly switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is  claiming they have responded on   XX/XX/17  to the CFPB c omplaint we file d on  XX/XX/17 . (  yes they are claiming they responded the same day. i have never seen a lender respond to a CFPB complaint the same day it was filed. ) Neither we, nor the seller, nor the CFPB has received a response from SPS. We spo ke to SPS prior  to today they state they must receive a complete short sale package within 30 days of the foreclosure date. And now all of the sudden, today, we have been told they have new guidelines stating they must receive the complete short sale package at least 60 days prior to the foreclosure date. They are claiming this is an investor guideline and it has always been this way. ( I find it funny that SPS can not even keep track of the LIES they tell fro m one ph one call to the next. ) We have just spoken with  XXXX , the investor, and they have stated this is not true. In addition, we have closed more th an 2400 short sale SEVERAL HUNDRED of th em with  XXXX , and the guidelines have never been 60 days. Wh y is SPS makin g up guidelines? Is this because the seller is  XXXX ?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On    XXXX   XXXX   2017, we paid our HE LOC balance in full.   Prior to payment we called Chase Mortgage to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not m ake a  XX/XX/2017  pa yment, as full pay-off would be made  72 hour s later.   We were assured it was ok and there would be no problems.   B ut Chase cre ated a major problem for us, by reporting a " late '' paym ent on  XX/XX/2017 , when  they assured us they would.   As the full amount of the loan, not just a monthly payment was made 3 days later and  Chase knew it was coming, from to notifications ; one from our phone call and the second fro m the  XXXX   XXXX  notification of pay- off seven days  earlier, it was unfair of Chase Mortgage too harm our credit with a late report.   The  Credit Rating companies - XXXX  - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company response to consumer: Closed with explanation