vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: MD

Complaint narrative:
I have tried several times to refinance my student loans that are currently being serviced by Navient. Despite having a credit score above XXXX, and no late payments on any other debt accounts, except for loans serviced by Navient, I am routinely denied refinancing by banks, other servicers, XXXX, XXXX, etc. I have spoken with the team at XXXX as well, and they advised that I contact Navient directly, and request they remove previous late payment marks as it is over 3+ years old ( or provide in writing that I am no longer delinquent ), due to my current good standing. I have explained the situation on several occasions ( XX/XX/XXXX, and most recently XX/XX/XXXX ), and despite XXXX  saying Navient has the right/ ability to remove these late marks, Navient refuses to do so, fully acknowledging that they have trapped me into paying them, and not being able to refinance. I feel that I am being unfairly treated as well as subjected to indentured servitude by Navient. My loans are currently at an average interest rate of XXXX % ( ranging from XXXX - XXXX  % ). XXXX has told me that the WORST rate I would be offered would be XXXX  %, and most likely closer to XXXX %. This is outright usury and would be illegal in any other short-term lending, or housing loan! I have paid them over XXXX to date on a XXXX principal loan, and currently have a remaining balance of XXXX. I am simply seeking to refinance with a better lender/ creditor/ servicer. As a customer I do not believe this is too much to ask for! XXXX NAVIENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: LA

Complaint narrative:
I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : XXXX is reporting XXXX separate line items for the same account ( for the XXXX XXXX ).  These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of  the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-29 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: MN

Complaint narrative:
I have tried on numerous occassion to get an issue resolved with the credit bureaus ( Experian, XXXX and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my Experian credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.

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 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I deposited my paycheck via mobile deposit because my bank USAA has not sent over verification my employer for direct deposit. 

They placed seven day hold on my deposit., i need to pay my bills and they dont care to help. 

i will lost light in my home and no food for my kids without my paycheck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I only have Social Security Benefits and in XX/XX/XXXX I applied for a Loan Modification on my home, because I had to resign from my job due to health reasons, caused by stress with my employer ( XX/XX/XXXX ). I have been looking for work everyday. Only make enough doing XXXX XXXX, so I can survive. I received a letter dated a letter dated XX/XX/XXXX offering me a Trial Payment Plan, commencing from XX/XX/XXXX thru XX/XX/XXXX. 
I accepted their offer and signed the Letter-Trial Payment Plan Offer and mailed to them on XX/XX/XXXX. My first payment for XX/XX/XXXX was made within the terms, by XX/XX/XXXX. The XX/XX/XXXX was also made by XX/XX/XXXX. 
I received a letter from Caliber Home Loans asking me to sign a Title Subordination Form and mail or EMAIL to them with 30 days. I in fact emailed the signed form on XXXX, to the email address provided in my letter. I received no other correspondence, stating they did receive the Signed Title Subordination Form. On XX/XX/XXXX I called to make my last Trial Payment and was told that my LOAN MODIFICATION was closed. I asked the SPOC employee why the Loan Modification was closed and when was that decision made. He told me that it was closed on XX/XX/XXXX, because they did not receive the signed Title Subordination FORM in time. 
I called their office again the next Monday, XX/XX/XXXX and was told that they did not receive the FORM until XX/XX/XXXX I asked where was my signed form from XX/XX/XXXX until XX/XX/XXXX. She could not tell me. XX/XX/XXXX happened to be 31 days after my letter dated XX/XX/XXXX, stated that they have to receive the signed Title Subordination FORM within THIRTY DAYS ( 30 days )??? All I was told was that my Trial Period was over and I would to reapply again for another Loan Modification, which I did on XX/XX/XXXX. Received all of my paperwork and TODAY-XX/XX/XXXX received a Letter dated XX/XX/XXXX from  Caliber Home Loans, they denied my Loan Modification. They will start Foreclosure process if I do not bring my Mortgage Loan Current or I CAN APPEAL their decision, which I intend to do immediately. I am also contacting a HUD Approved Counseling Service on Monday XX/XX/XXXX to get some help, I PRAY to stop any Foreclosure procedures. I have only been able to work doing food delivery at almost XXXX years old and struggling to HOLD to my HOUSE. I got behind in XX/XX/XXXX. I did receive a loan modification in XX/XX/XXXX after my son passed away on XX/XX/XXXX and I was his only caregiver and he had not income and was waiting on SS   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
In XX/XX/XXXX I applied for a home loan modification due to falling behind on mortgage because my wife had XXXX XXXX and lost her job. In XX/XX/XXXX I received a call from Bayview loan servicing to let me know I had been approved and the trial mod pmts would start on XX/XX/XXXX. I called a few days later to ask if i could go ahead and schedule ( 2 ) 1/2 pmts in XXXX to pay for XX/XX/XXXX pmt, i was told yes. I was then sent out the modification paperwork to sign and return, papers stated we would have 3 trial pmts and then it would be approved for first MOD pmt on XX/XX/XXXX. I made each of those trial pmts in the month before the due date. In XXXX i called to make a pmt and the system was telling me i was due for XXXX, there was not way that was correct as i had made the pmt for XXXX in XXXX ( this shows on Bayview 's pmt detail ) They stated at that time they would correct this they had misapplied a payment i had sent in. In XX/XX/XXXX there were 56 transactions made on my acct for them trying to fix their mistake and another 69 transactions in XX/XX/XXXX. As looking down through the pmt history i could see where the due date kept switching from XXXX to XXXX back to XXXX and never being updated to the current month that i was due for. I called several times to Bayview for them to fix the problem each time them stating they would escalate it and correct my credit report. Then after disputing them each time they would send a letter stating they could not retract the credit ratings due to being contractually late ( i was never late on a pmt once we entered the modification ) i have filed disputes with all 3 credit bureaus as well. i again called on XX/XX/XXXX to open another case each time i get a different reason why they can not fix the mistakes they made and update my credit report. we are trying to purchase another home and to get away from this horrible company that continues to do this to hundreds of customers. i have all the payment history from their website showing all the transactions and if you follow it you can plainly see where i made all pmts and a pmt in XXXX was reversed and never posted back. I need my credit report updated from this company and after 2 years of them not complying i will now be taking further actions on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent the police report and ftc violation

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc.
State: TX

Complaint narrative:
sent the police report and ftc violation

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 2019-03-29 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: NJ

Complaint narrative:
I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children

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 2019-03-29 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: NJ

Complaint narrative:
I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
This debt does not belong to me. Please remove this immediately!

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 2019-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. 

Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
In XXXX of 2019 I applied and got approved for a Citi double cash card. After receiving the card I attempted to add it to apple pay which sent me over to the fraud department to verify my identity which I completely understood. However, once on the line with the fraud early warning department they asked me to verify a good cell number for them to text. Like a growing number of Americans I use a pre-paid plan for my cell service, which is also the number listed on the account and they could not use it because it's a pre paid number. This is apparently the only option they have. You can verify, social, date of birth or account number. The only other way they can verify is by snail mail. I went ahead and waited for the letter since the agent stated this was the only time I had to do this. About a week later it arrived and I reactivated the card and added it to XXXX XXXX and it was fine. I've had no problems until now. A few weeks ago I added on an authorized user and I was having an issue receiving his card. My apartment uses PO boxes and for some reason since the PO box was registered to me, and the letter was address to my authorized user the post office kept on returning. After the second time happened I decided to call Citi and ask if they mail it to his address. I did that this morning. I spoke to a very nice lady in customer service who after doing some verification was able to do just that. Later today when logging into the app to make a payment I received an alert to call the fraud department. I called in to fraud and was asked to go through the same process again. Again my phone number would not work and agent told me they'd have to send me another letter via snail mail. This is getting ridiculous. At this point I was quite upset and asked to speak to a supervisor. After telling the supervisor about the issue they told me essentially they could not do anything until I receive that letter and there's no other way to verify. I still had the original letter and asked if I could use that and they said no. I asked if there was anyway they could overnight the letter or expedite the letter since it's happened before and the supervisor really didn't respond except for saying there's nothing they can do until I get the letter. This is just ridiculous Citi is making me go through an undue hardship just because I don't have a contract cell phone. There has to be a better fix or solution to this. I attached the last verification letter I received in XX/XX/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 2019-03-29 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: CT

Complaint narrative:
I have a hard inquiry on my Equifax report and I never heard of the company and they provide no information on it in the report. I have had no dealings with this company! It looks like this : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   This inquiry could stay on your report untilXXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

I have had no dealings with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX & XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX XXXX/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name XXXX XXXX Limit Usage Type Status Opened On XXXX   XXXX - {$100.00} - Revolving Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XX/XX/2018, I received an email asking me to upgrade from the XXXX Visa Card to the XXXX XXXX XXXX Visa Card. WIth that, I would receive XXXX XXXX points, as well as double the points on Gym membership as well as 2 qualifying nights for every XXXX, in addition to 5 nights a year. 
I made the upgrade through the link on XX/XX/XXXX, which is when I also switched the payments for my gym to my Visa. 
I haven't received the XXXX points, 5 nights, nor the 2 nights per XXXX nor the bonus points with purchases. I have used my Visa for many purchases for this reason. 
I contacted the regular Chase Visa line who said I wasn't upgraded. I asked to correct that retro the upgrade as I did it in XXXX and they said there was nothing they could about this. 
I reached out to Ms XXXX XXXX at card executive services, and after three follow-up she never replied or returned a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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 have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, Equifax and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX  credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.

Company response to consumer: Closed with explanation