vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: IA

Complaint narrative:
I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: TX

Complaint narrative:
XXXX XXXX paid in full still showing on my credit report cra violation 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 2018-02-02 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: TX

Complaint narrative:
XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.

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 monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have been trying to cancel a subscription with Experian for days now. They do now allow you to cancel online or via email, require a phone call. Everytime I call it is a hour and a half wait time. I've done it twice now and still received no answer. I can not just leave my phone on hold for an entire day. 
I can not remove my credit card and can not cancel payment.

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 2018-02-02 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: IL

Complaint narrative:
Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I am a XXXX XXXX  working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue. 
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX # XXXX of Loan Care and she made me aware that Loan Care had not credited one of three payments made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since loan service transferred from XXXX XXXX. 
I have since sent 3-4 letters with attached letters signed by my banks managers showing that that the payments due were sent on time through that banks XXXX XXXX XXXX billpay system to LoanCare. In XX/XX/XXXX I took a deferment offered to Florida hurricane victims and did not pay in XX/XX/XXXX. I made up that payment with 2 payments in the first week of XX/XX/XXXX. The attached documents support all of this and that my payments should be current in LoanCare 's system. 
In speaking with LoanCare reps on the phone their attitude seems to be that I have to figure out what they did with the payment that was made but they claim was not received. 
LoanCare has continuously dunned me with multiple demands for payments and late fees and also calls practically everyday. I have been forced to ignore the calls and letters and just make my payments on time otherwise. I need an accurate accounting from LoanCare, reversal of inappropriate fees and charges and credit repair due to their false claims and inaccurate reports to credit agencies. Thank you for whatever you can do. This appears at bottom to be an attempt to force me into foreclosure as a way of stealing equity that i have accumulated.

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 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex Asset management LLC XXXX XXXX  XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls. 
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay????? 
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor. 
I appreciate you help in this matter. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I am a resident of Texas traveling abroad. In XX/XX/XXXX, before I left town with my wife for a 6-month stay in XXXX, I filled out a form to add her to my Charles Schwab account so that she could have a debit card in her name. A few weeks later, Schwab froze the account because they said they could not verify that my wife was a US resident. My wife has a US passport and has resided in the United States continuously since she was XXXX years old. Over the phone, they asked my wife if she was living in XXXX and when she told them yes, meaning that XXXX is currently where she is staying. When she later attempted to clarify that she is not a resident of XXXX and is only in XXXX temporarily, they claimed that was not what she said over the phone and refused to unfreeze the account. They have also frozen an attached brokerage account. The total value of the two accounts is more than {$80000.00}. I offered to furnish Schwab with numerous pieces of proof that my wife is a US resident, including utility bills with her name on them, but they refused to accept any form of proof, claiming that her statement to them was evidence that she is not a US resident. They also will not remove her name from the account and will not transfer the account funds to any other account unless it has both of our names on it. I now face the task of having to open a new account with a different brokerage company while I am overseas if I want access to my equities. That has caused me considerable hardship.

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CT

Complaint narrative:
Hello CFPB : This complaint is against Provident Funding of XXXX XXXX, CA. We had a home mortgage with XXXX but at one point this past fall they sold the loan to Provident. We had the mortgage bill on automatic payment from our checking account ( screen print attached ). The loan transfer was evidently not a change that we initiated and, among many other bills and with a busy family life, it took us a while to change the automatic payment information in our checking account but never missed a payment. When we found out about the transfer we called XXXX  and they assured us that we have some time to make the transition and they will forward the payments to Provident meanwhile. The XX/XX/XXXX-due payment, that still went out to XXXX, was eventually returned to our checking account however and not forwarded. We called Provident right away to say that we're rescheduling it to be sent to them and all so going forward. Their representative acknowledged that, informed us of the actual payment amount going forward ( which was actually smaller than our bill with the prev. lender ), and confirmed that we have until XX/XX/XXXX with the standard 2-week grace period. Against that phone conversation, Provident sent us a dismaying letter of default dated XX/XX/XXXX( no longer having it ), to which we responded on XX/XX/XXXX ( doc file attached ). The non-forwarded XX/XX/XXXXpayment had been re-made as discussed and all further payments have been made on time ( Provident screen print attached ). To add to the harassment, Provident now sends us a late fee charge of {$67.00} ( bill attached ). As a last resort we are asking that you please review the above and deny this charge. We further ask that you consider penalizing this lender 's aggressive practices, for a fair treatment of other customers. Thank you for letting us know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a " Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the " Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a " Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. 
On the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. 
Solution : I need both amount of {$1000.00} put back into my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On my credit report it shows that theres was a hard inquiry from XXXX XXXX XX/XX/XXXX of XXXX, I have never inquired about credit before until around XXXX of XXXX to finance tires. So this hard inquiry that is negatively affecting my score was not made by me. Tried calling captiol one and the customer service phone line did not help to try and dispute this. I have however applied for a credit card through them XX/XX/XXXX, and this is when I noticed it because that hard inquiry was notified to me through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated MESS

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 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC

Complaint narrative:
XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.

Company response to consumer: Closed with explanation