vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date, Transunion complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on  XXXX  if it has been blocked or not.

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 2017-05-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date,   XXXX    complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on Experian if it has been blocked or not.

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 2017-05-02 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: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
I am filing this complaint because I feel I was treated unfair. I was Pre Approved for a Mortgage Loan at Primary Residential in  XXXX , Ga. Loan Officer  XXXX   XXXX , was referred to me by my realtor  XXXX   XXXX  that said I should use this Mtg Co because they had a close relationship. Mrs  XXXX  got my permission to pull my credit  XXXXXXXXX  she stated I had a good score  XXXX . Mrs.  XXXX  started requesting documents and told me NOT TO HAVE MY CREDIT PULLED UNTIL AFTER I HAVE CLOSED ON MY NEW HOME. I did everything the loan officer asked I made sure to keep my credit in good standing as well. It became stressful when she had me sending the same documents over and over stating she was not receiving on her end. My  XXXX  in  XXXX  printer/copier/scanner broke down, I went to a  XXXX   XXXX  spent a lot of money faxing to Mrs  XXXX  she still said she was n't getting anything so i went out and bought a new scanner to send the requested documents for I did not want to lose out on this house. To sum it all up my wife  XXXXXXXXXX  from the  XXXXXX  that was caused. At that point since my realtor referred me to this company and they had a close relationship I asked the realtor can I send her the requested documents to forward to the loan  officer  she said " Yes ''. I sent the realtor all documents, she forwarded them to the loan officer. Mrs  XXXX  continued to take her time to get the loan closed.  XXXX  came I called Mrs  XXXX  to get an update she laughed and said she pulled my credit again  XXXX   XXXX  and that my score dropped so she was denying the loan. I asked why did she have to pull again why not use the report from  XXXX  so that it would not affect my score knowing that this would hurt me she hung up the phone. I did not give her permission to pull my credit   XXXX   XXXX     and yes it did impact my score. I feel that she did n't have much knowledge with getting the loan closed so she wasted lots of time gave me the run around so that I would end up having to start all over. I feel that if  Mrs   XXXX  would have processed my documents by sharing with the underwriter or higher superior i feel the loan would have closed in time. I hope this does not happen to anyone else this literally has me in tears.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.

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 2017-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I found on    XXXX    that  3  payments of  255  were sent to the wrong account. I orignaly setup online payments to go to account nick named   XXXX   XXXX  . I was informed that only  2  payments were sent to this account before the account changed to a  XXXX   XXXX  nick name and the money was going to a different account. The amount is for  XXXX  and I received a credit on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  did not keep me updated on this case and I had to call weekly to get an update. I finally called again on Sunday to find they denied my claim. I was told that they denied it because the issue occurred in the same geographical location I live in and the same  XXXX  address. This is not a valid explanation and I let them know this. I work with IT and know that people can spoof networks and  XXXX  addresses with ease. I asked to be escalated once the agent I was talking to refused to provide me additional details about this case, give me access to my online account ( so I could see the transactions and research my self ) and they refused to help me further. I was escalated to an agent who called himself "  XXXX  ''. "  XXXX  '' refused to give me a last name and claimed it was Chase  XXXX , however every other agent up to that point gave me their full name ... This agent was abusive and rude the entire call.  XXXX  told me it is my fault and that i need to see what my money is doing at all times. This is an interesting statement as I am limited in what I can see. This agent, after berating me for  XXXX  minutes and refusing to help, hung up on me. I have been reasonable and tried to work with  JP   Morgan  Chase but they are refusing to work with me. I spoke to wells fargo who the money went to and they told me the only thing I could do was ask the account holder to look into this on their end with the reference numbers seen below. They did suggest however that I ask Chase to do a  XXXX  on the transfer and that this is somthing  XXXX  does all the time with Chase. When I asked Chase to do this they refused. When I asked to speak to another agent, Chase refused and hung up on me. I fell completely helpless and taken advantage of by this bank. I do not have a lot of money and  XXXX  is a LOT of money to me. Please let me know any information you need that I  may  have forgotten. The claim number for this with  Chase  is :  XXXX .   My name :  XXXX   XXXX   XXXX  Phone :  XXXX  Email :  XXXX  XXXX  XXXX  Below are the transaction dates, amounts, transaction number and reference number for  XXXX   XXXX .    XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX    XXXX   XXXX   :  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The issue is that I borrowed from       XXXX   XXXX       in   XXXX  .  Navient took over these loans years ago. I recently learned that my son is listed as a co-signer on that loan. I wrote them several times that this was not correct. First, they told me to send a co-signer release form, I was denied because my monthly payments is not the full principle. Then I told them that my son was never a co-signer on the   XXXX   XXXX     form. There was a section for the Borrower, the co-signer, which is my brother,   XXXX   XXXX  . My son, filled the section that stated " Student Borrower Information. '' My financial information and the co-signer information is on the form. My son 's information does not include any financial. Furthermore, all these years on Navient 's website, they never had my son 's name as a co-signer. Recently, they went in and added him as a co-signer to loan ending in  XXXX . I wrote again and challenged them and they sent me a second denial for not paying the full principle and for making a late payment. I have NEVER been late over 15 days on my payment. My son is not a co-signer and I demand he be released. I am tired of doing the right thing and getting slapped for it. Furthermore, my contract was with    XXXX   XXXX    how is  Navient  interpreting a contract that was not with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing this request because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past th e thirty day m arks to verify these accounts. under section 611 ( 5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on Equifax in  XXXX   county  account number  XXXX  date filed   XXXX   account name collection with    XXXX   acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX    XXXX   account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my Equifax report and need to be removed immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
First off I would like to thank you for sharing and letting Chase bank correct all there Legal mistakes along with all the other pretender lenders .my property was in a trust    XXXX   workflow  ID  XXXX   XXXX   XXXX  A ET AL  XXXX   XXXX  TRANSFER FR.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CO TRUSTEES  XX/XX/XXXX  SPLIT FR  XXXX  CASE NO.  XXXX  FRAUD ON   XXXX   XXXX  , BECAUSE OF YOUR ACTION CHASE ENTERED FRABRACATED DOCUMENTS WITH THE STARK COUNTRY RECORDERS  XXXX  RELEASE OF MORTGAGE  XXXX   XXXX   XXXX    XXXX   NOW FIRST FRAUD THANKS TO YOU  XXXX  SATISFACTION OF MORTGAGE  XXXX   XXXX   XXXX  have a case in  XXXX   XXXX  OHIO  XXXX  MAYBE YOU COULD DO SOMETHING FOR THOSE WHO HAVE SUFFERED BY YOUR ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TN

Complaint narrative:
Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not.   Once I finally answered, calls were from  Capio Partners . They were calling about a   XXXX   balance due to an  XXXX  visit. Keep in mind, this company has never mailed me any documentation.   Due to circumstances, we 're currently a  XXXX  income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay  XXXX  % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the   XXXX   % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I received a collection notice from Diversified Consultants, Inc.  (   XXXX  ),  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , acting on behalf of  XXXX  to collect {$230.00} which I do not owe. I attempted to have  XXXX  correct the problem since    2016  but they simply ignored my numerous complaints. I subsequently sought the assistance of the Office of the New York State Attorney General ( Reference File #  XXXX  ) to resolve the problem, but unsuccessfully. The final response by the Attorney General Office is as follows : " We have received a response to your complaint. Despite our efforts, the company has refused to make any refund or other adjustment. ''  XXXX  provided false information to the New York State Attorney General Office.     The problem stems from the fact that  XXXX  surreptitiously added various fictitious billing amounts into both my  XXXX   XXXX  account and my  XXXX   XXXX  account, each in the sum of {$240.00}. and  XXXX  purposely co-mingled billing charges and payments between those  XXXX  accounts.     Because of the frustration which I encountered in trying to have  XXXX  make appropriate corrections, I cancelled my  XXXX  connection service on  XXXX   XXXX ,    2016  ( Cancellation Order No. : NY  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
To Whom It May Concern, My name is  XXXX   XXXX , my property is located at  XXXX   XXXX   XXXX ,  XXXX , NY,  XXXX . I am currently living overseas due to the fact that I have no income and unable to support myself, so I am living with family members. I have been trying to do a short sale on my property since   XXXX  . The short sale was approved in   XXXX   and the buyer was unable to close. I now have a interested buyer and we started the short sale process with the servicer  XXXX   XXXX   XXXX   XXXX  after they contacted us to discuss my options. The BPO ( brokerage price opinion ) was completed and an offer submitted for the investor to review. They denied the option for short sale, the process has been denied  XXXX  by the investor  ( Wilmington Trust )  since their intention is to foreclose on the property and keep it. Regardless of the amount of the offer, the investor is not willing to allow me to short sale on my property and they are trying to force to do a  XXXX  or foreclose on my property. I understand that they have an interest on the property and they owned my loan, but why are they forcing me to foreclose on the property. Also, keep in mind that my property is a really bad shape, it will have to be demolished completely and rebuild due to the mold, pest infestation, foundation problems. I would like the public to be aware of  Wilmington Trust  malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
i got  two a ccounts with  US b ank with a low rates promotion, and i set up automatic payment from my bank account for more than a minimum payment of {$45.00} every months, then this bank increase my minimum payment to {$68.00}, {$71.00}, {$72.00} and so on without my authorization, due to my bank charge me overdraft protection fees. not even i called them to close the account and membership of {$99.00} a year never reimbursed to me, and receive a lower APR offer to me not he % 16.99 i have currently in other to pay my debt friendly.   i am wondering is nobody can stop this abusing practice to the customers in  USA , and i hope you can help me to find a good solution f my case.   sincerely   XXXX   XXXX    XXXX  account  XXXX ,  XXXX   US BA NK   XXXX   XXXX   XXXX   XXXX   XXXX  , MO  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly

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 2017-05-02 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: MA

Complaint narrative:
I am a  XXXX   year   old    XXXX   with  XXXX  bachelors ' degrees, working full time plus per diem (  XXXX  jobs  )  in the poorest most crime-filled city in Massachusetts, and holds a record in the country as well,  XXXX , MA. Since graduating from my first degree in  XXXX  I have owed hundreds of thousands of dollars to  XXXX   XXXX   (  then becoming  Navient ) , a major lawsuit victim due to extenuating criminal activity. I have private and federal loans, both of which add up to way beyond my cost of living ( over  XXXX  in loans just to be a   XXXX   XXXX   ). I have tried for the past  XXXX  years to lower payments to something even close to reasonable, which I am not able to do. Payments exceed 1000/month. This is indescribable and morally wrong. I have since separated federal and private payments : my federal loans are under a forgiveness program due to my being a  XXXX  in a poor city hospital. This has helped a little and in   XXXX    years my federal loans supposedly will absolve. My private loans are still with Navient and even though I am on an income based repayment plan it is deplorable. I need help with finding a lawyer who can assist me in getting proper restitution with this. I can not tell you how many people I know who have little or no student loans due to some kind of assistance they have received, many not having the same due diligence as I. I am a US citizen, born here from other US citizens, working and paying taxes since I was  XXXX   years old . The amount of students  (  Including both  XXXX  Marathon   XXXX   XXXX   ) who have gotten aid in paying for school who do n't even deserve it, is reprehensible. Please help me in finding the right direction to make this right.

Company response to consumer: Closed with explanation