vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 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: MI

Complaint narrative:
My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.

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 2018-03-10 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: MN

Complaint narrative:
I am a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Last year I signed up for FREE services from XXXX XXXX. I was sent an email from XXXX XXXX saying that my credit score went down. So I logged into XXXX XXXX. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services? 
Then 8 days later I get charged {$22.00} by TransUnion. I called them and they said by checking my credit report that day on XXXX XXXX that signed me up for credit monitoring for {$22.00} a month. 
This is ridiculous! They are taking advantage of EVERYONE. XXXX XXXX says they are free but they charged me {$2.00}. Then Transunion signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal! 
Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!

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 2018-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
I am requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on XXXX and wanted to make a large purchase with XXXX services but was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, 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 2018-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: PA

Complaint narrative:
Received calls on the following date/times : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Answered phone first and second time to inquire as to what call pertained. They said collection was for medical payment for three payments of {$270.00} for copay to local primary care doctor office. Local health network uses electronic accounts and billing, in which all accounts are paid in full and current. Their billing department is unaware of why a collector is contacting me for this. 

I've informed the collection agency XXXX XXXX of this error and to please stop contacting me. They continue to call me every two days, including weekends.

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 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.

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 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
In the beginning of XX/XX/2018 I contacted XXXX XXXX via an internet advertisement. A loan officer, XXXX XXXX, from AmeriServe contacted me as a result. I disclosed all of my financial info verbally and again via their electronic transfer questionnaire. Due to my credit score being over 800, and my loan to value ratio quite low, they issued a " Loan Terms Agreement '' statement showing " Points '' at {$930.00}. But when the actual application was to be submitted that required my electronic signature, the points changed from {$940.00} to {$1300.00} which is about {$420.00} higher than was quoted. 

In my opinion this is a " bait and switch '' tactic. I verified with another lender that there was no change would have occurred during this time period for any client with my qualifications with any lender. 

They also charged me {$550.00} for the home appraisal, which was never completed. I called the appraiser and he informed me that he had received the initial order but when he called them to verify the transaction, they never answered their phone and would not return his calls. 

I called the lending agent I had been dealing with and told her to cancel the transaction as I did not approve of their business practices and questioned their integrity. Also requested the return of my {$550.00} deposit. As of this date it has not been received. 

Her reaction to this call really surprised me. She replied " Oh, Ok and said goodbye and hung up. '' Really an odd reaction after all of the time and effort we both expended. 

I obtained my loan from another reputable company and everything went as expected. 
This company also required info on my wife as she would also be required to sign documents as an additional party to the loan. AmeriServe agent claimed that was not needed. Very strange.

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 2018-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am uncertain of the exact date but XX/XX/XXXX and XX/XX/XXXX I received letter from chase bank stating that my account had fraudulent activities done on it adding up to more the three thousand dollars. I called explaining to them that it most of been a mistake because there was no way someone couldve deceived you guys as me and gotten all this money without my authorization!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-10 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: IL

Complaint narrative:
I was making monthly payments of {$270.00} to Navient for nearly 2 years, then suddenly in XX/XX/2017, my payment skyrocketed to XXXX a month. 

I called them and was told to submit paperwork to lower the monthly amount. They didnt process the paperwork ( this was around XXXX ). Then when I didnt get a response, I called and the customer service rep was rude. 

I called again and that rep told me the paperwork wasnt processed because they couldnt read my pay stub. I resubmitted it, then I was turned down for the repayment plan. I initially filed a complaint with the better business bureau over this, to no avail. 

They have made my life miserable. Im broke paying what I can here and there. Im afraid to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I received a call from a debt collector looking for someone else, I told them that they have the wrong phone number, they then kept asking questions and I repeated myself that they had the wrong number and to please remove my number from their call list. On XX/XX/XXXX at XXXX I received a call from the company again, again they were asking for someone not associated with my phone number, I told them that I had told them yesterday to not call this number. The person again started asking questions and I told them they had the wrong number, I told them again to take my phone number off their call list and to not call. The person then said I will keep calling and hung up on me. I called the number back and asked to speak with a supervisor, they stated that because it was Saturday that no supervisor was available. I told them I wanted to be removed from their call list and that the previous person I spoke with was very hostile and repeatedly told them to remove my number and they refused and stated that they would continue to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: CA

Complaint narrative:
On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As a part of my loan, I was given money to do needed repairs ( XXXX ). Over time as the process lingered, I had a balance of {$30000.00} to complete the repairs. After time, XX/XX/2016, they closed my XXXX loan by taking away the balance of the {$30000.00} without my consent. Therefore, I am stuck with a house with still needed major repairs that I do not have the money to fix. They tried to get me to refinance the loan but my lawyer said no. She told me not to pay them another dime because what they had done was not right so I did not go through with the refinance of the property. They did offer a refinance but it was costing me much more money and I felt I was being punished for them taking away my {$3000.00} that was and still is desperately need to complete the repairs on my home before other major issues occur. I have had to go into my own pocket to pay for some of the repairs by much more work needs to be done.

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 2018-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.

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 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Howard L. Stomel, A Professional Corporation    AKA  Law Offices of  Howard L. Stomel
State: TX

Complaint narrative:
On XX/XX/2017 I received a letter from Howard Stomel Attorney at Law reference a XXXX XXXX Credit Card account. This letter indicated an amount that was not correct, and I am disputing this amount with this attorney. I have tried to correct this amount in the past with the original creditor, with no success. The total amount owed is only {$13000.00}. Mr XXXX is advocating along with XXXX XXXX that I owe double that, when a settlement agreement was reached for only 50 % of the original debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to Navient. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from Navient regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to Navient by letter and the credit bureaus to resolve this issue. Navient responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: CA

Complaint narrative:
On XX/XX/XXXX I filed dispute with Experian and XXXX that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX  deleted the account.

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 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX last year I entered a loan modification with then Nationstar Mortgage, now Mr. Cooper. 
I received a letter from the Attorney that assisted me with my Bankruptcy in XX/XX/XXXX from Mr. Cooper stating that if I was having trouble making my loan payments, when I tried to contact Mr. Cooper I received three different answers from three people whom I spoke to lastly end with a gentleman by the name of XXXX ( employee # XXXX ) and this gentleman informed me that he really couldn't speak to me regarding the mortgage because the bankruptcy attorney needed to forward a letter of release if i'm not mistaken and this letter would allow them to speak to me regarding the loan. 
But I was informed by XXXX that the months of XXXX, XXXX, XXXX, XXXX and XXXX were not paid. 
I was trying to explain to XXXX that this was an error and I have a letter from the mortgage company Dated XXXX XXXX that the mortgage was ahead and the next payment due was XX/XX/XXXX that being said I did a payment on XX/XX/XXXX in the amount of {$760.00} ( confirmation # XXXX ) which I thought would have kept current but from what I was told no at worst case I could understand them saying XXXX is still due. 
I feel that the errors should be corrected and that Mr. Cooper remove all negative information from all three of Major Credit Bureaus and I also would like to file a complaint against them for predatory lending Practices. 
in the Pdf. you will see all of the documents I make reference to but the payment made XX/XX/XXXX the confirmation number was given for reference thank you thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CT

Complaint narrative:
In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.

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 2018-03-10 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation