vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I sent several certified letters to  Lexis Nexis  disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in  XXXX  I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including  Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.

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 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tax Liens have been disputed because of the inaccurate data not being provided for the liens, they were suppose to remove them but instead just {$0.00} them out.

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 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tax Liens have been disputed because of the inaccurate data not being provided for the liens, they were suppose to remove them but instead just {$0.00} them out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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: GA

Complaint narrative:
I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.

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 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX  PayPal gave  XXXX  {$100.00} out of my account. I protested as I had no idea who  XXXX   XXXX  was. By my own investigation I found this was  XXXX   XXXX .  XXXX   XXXX  emails me at lease once a day with pictures with women to date. When I try to open up the site I get advertisement from them to send money. In no way did I think that I was paying for their advertising. With farther investigation I found that PayPal on XX/XX/XXXX  sent  them {$39.00}. This slipped by me as I thought it was books that I had ordered as there was no way that I thought  XXXX  was   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
In  XXXX  loan modification ( #  XXXX  ) approved by   XXXX    XXXX   XXXX  and or Specialized Loan Services,  LLC, ( SLS ) , which required {$1300.00} monthly payment, on   XX/XX/XXXX   called (  XXXX   XXXX  ) spoke  to  XX/XX/XXXX   who confirmed payment amount and about leaving payee line blank on checks, First payment made before  XX/XX/XXXX   and sent with copy modification payment page with hand written acknowledgement of the "  XXXX  '' statements, every payment made before due date  ,  SLS continued to cash said payment for  XXXX   XXXX  years,    XXXX   XXXX  , SLS  stopped cashing payment and entered property into foreclosure status,  XX/XX/XXXX   when questioned SLS '  XXXX   (   XXXX   XXXX  ), stated payments were n't cashed because the cause wrong amount was paid and, stated in fact, monthly payment should have been {$2000.00}, because SLS conducted appraisal after modification agreement was signed and determined account needed additional {$650.00}, he acknowledged amount is not listed in modification agreement, also no address was provided to mail new/added appraisal amount,  as  a result  XXXX  stated account was {$37000.00} in arrearage and would have to be made to bring account current and out of foreclosure. I should be able to rely on the amoun t SLS  agreed upon in our loan modification agreement and they should not have people confirming payment information if they are not professionals in mortgage business. This is a deceptive and dishonest practice and should not be allowed to happen.

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 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed an authorized inquiry for the last 90 days, an inquiry that I did not authorize. No response back from credit bureau and it is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Traded a vehicle in for the down payment after closing the deal for a used truck, I was asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final. I was told the terms of the loan has changed. The company 's name is XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. Amount to be financed {$12000.00} at an APR of 14.99 % for 48 monthly payments of {$340.00} trade in of {$2500.00}. I was called and was told that the new terms are going to me 36 months with a payment of over {$400.00}. During the test drive I asked if I could take it on the highway to see how it drives and I was denied that option, I wanted and independent company to do an inspection on the truck I was also denied that. After I took possession of the truck I checked the fluids and noticed that the truck did n't have oil. I took it to my local XXXX and they confirmed that it was empty plus a few other issues with the truck. The maintenance office of XXXX XXXX did call me to set up an appointment, I let him know about the oil issue and offered a free oil change to make it right.

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 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am very disappointed of Ditech I submitted all my documents since   XXXX   /2017   . For a Deed in Lieu. since my intentions are to return the home to Ditech. I can not afford it, I am doing what is best for me and my health I am  XXXX   XXXX   XXXX  and is getting harder for me to move around do to my  XXXX . Therefore I was hoping to get some respond within 30 days and still nothing. We are almost going to end the month of  XXXX  and I am scare that I am not aware of what is going on. Every time I call Ditech for an update, some  Agent  tell me is under review and some tell me my file is not activated. I am starting to believe that Ditech intentions are just to foreclose my home instead of assisting me with my Deed in  Lieu  request. Please help me get a responds from Ditech it seems that they are purposely prolonging my case. I want know how much long I have to stay in my home, since is hard for my to move around I need to know with a head of time so I can have my family and friends help me move out. However I will not leave until I received my Deed in  Lieu  documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have requested documentation to see if   XXXX   XXXX   XXXX   XXXX   owns my mortgage.
JP MORGAN CHASE has failed to provide documents with proof of transfer or bill of sale of my mortgage account- from Washington Mutual Bank JP MORGAN CHASE has failed to provide me with full account details and bill from inception of loan JP MORGAN CHASE has failed to provide me with an documents showing how and when they started servicing my loan OR when they became the owner of my MORTGAGE LOAN JP MORGAN CHASE has failed to keep accurate and efficient records. They have created new loan document billing statements account in Bankruptcy   XXXX   accounts and then created new monthly statements that show different. ( I have all original statements ) JP MORGAN CHASE has failed to provide loan accounting, transferring documentation to   XXXX   XXXX  , which also has records showing that JP MORGAN sold them the loan in a BANKRUPTCY STATUS

Company response to consumer: Closed with explanation