vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to delete my MIP insurance even though I have met the requirements according to HUD. My LTV is under 78 %. I have had my home for over 5 years. They are saying I was late in XXXX which I was n't, I was on FHA trial modification. I have spoken to several of their employees in the last three months and also received in writing that my MIP would be deleted effective XXXX/XXXX/XXXX payment, they have also confirmed this over the phone in which the manager yesterday confirmed both. I was also affected by Hurricane XXXX and I am now on a relief plan for the month of 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 2017-09-12 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XXXX however the status has not been updated to 'permanent ' after XXXX years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX, XXXX I went to the Chase site to initiate a process to get a credit card and balance transfer from another credit card, as this was an interest free offer. At that time it asked for the amount of the transfer. I guessed and put XXXX. Since I did not know the actual amount, I decided to get the information before starting the process. I hung up and called into Chase. At that time, I told the representative the amount was {$2000.00}. I was approved and received the card at which time I called and verified the XXXX balance transfer. The next morning I woke up to a text on my phone saying there may be fraudulent charges, one for {$1600.00} and one for {$2100.00} ( 5 % balance transfer fee ) I explained I did not initiate the XXXX as that was before I got the card. I was advised neither could be cancelled and that I would have to wait for both to post and at that time call XXXX XXXXXXXX XXXX and request the credit be sent to me in order to pay on my new XXXX account. I explained I never initiated the XXXX, as that was included in the XXXX. I was charged the 5 % two times ; once in the XXXX and once on the XXXX. I requested a credit. I was told no. This is bad business practices. I was not given the information when I spoke to the representative that there was indeed a transfer request already pending. The supervisor told me it is in two separate systems so they could not have known. I think to be made whole, the {$100.00} transfer fee should be credited back to me or the {$80.00}. I should not have to pay twice for a mistake Chase made, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am currently in a status of repaying my loans and I noticed that my overall loan amount is increasing after each payment ( I have been monitoring the increase for the last 3-4 months ) I am currently under one of the payment plans which is supposed to provide me with a lower payment and over eliminate any future balances after 25 years. I contacted the Navient rep., who stated he would have someone from the Student Advocacy team give me a call and to date no one has called me. This call took place the end of XX/XX/XXXX. 

I asked the team lead or manager to explain to me that if my payments are not reducing my balance then what benefit am I receiving of being on the payment plan. For example, if my balance is XXXX and it keeps increasing with my payment arrangement then within 25 years I am wondering what this balance would be and the payment amount. It does n't make sense to me and he was not able to explain only to tell me the over balance of my loans which I already know is at an all time high of and is increasing each month. It also appears that my private loan interest rates have changed based on my profile. 

I would really like some assistance and explanation. I pay my loans on time and I am trying to minimize my balance not increase them. If this is not the correct plan to help me move toward the goal then I would think Navient would have a better solution that to keep in embedded in debt. It appears the representative are not well diverse in answering questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.

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 2017-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: LA

Complaint narrative:
I have had zero knowledge of this individual account. I filed a complaint. The company urges that the individual that opened the account is myself. I decided to check old notes from XXXX, a time in which I appointed someone to analyse my credit report and address all information therein and it appears that that individual spoke with the company and on recording, the collections representative threatened that without attempt for payment, nor providing of contact information that 'he ' would keep " clicking '' to run a credit report and repeatedly drop the score/rating. A supervisor was then requested in order to recount the experience with the representative and management at the time did nothing to rectify the situation. It was/is a blatant FDCPA violation to make such credit threats. Recently ( XXXX ), when I " personally '' discovered the account, Hunter Warfield 's account on my credit was disputed through Transunion ( via XXXX XXXX 's direct dispute procedure, ) as I shared with the credit bureaus as well that I did not open any such account despite what perceived evidences that company might produce. The item was removed after being found to be unfounded and shortly thereafter, said item was re-introduced to the credit bureaus, thus impacting my credit rating. I do not know why it was re-reported, nor do I understand why thus far this issue has been handled the way it has been handled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XXXX/XXXX/XXXX Equifax announced a massive data breach that has compromised personal data of XXXX43 million U.S. consumers. A website provided by Equifax allows consumers to enter their last name and the last six digits of their SSN to determine if their personal identifiable information was compromised. An inquiry on their website indicated that my personal information, as well as that of XXXX other family members, had been compromised. Equifax is offering " free '' credit monitoring/identity protection for one year. ( Does anyone else see the irony in this? ) Experts recommend placing a credit freeze with the three major credit bureaus as a best practice to help prevent unauthorized use of a person 's identity. As a resident of Oklahoma, law allows the credit reporting agencies to charge me {$10.00} ( +tax ) to initially place a credit freeze, to temporarily lift the freeze, and to permanently remove the freeze. I have attempted to reach Equifax by phone to discuss this matter to no avail. After a lengthy hold, the call was disconnected. A second call was placed and answered by a foreign call center staffed with representatives whom do not speak XXXX as a primary language. Upon asking to be transferred to an XXXX  agent I was placed on hold in excess of 30 minutes and I terminated the call. I then sent an email to XXXX XXXX, president of XXXX XXXX XXXX for Equifax. I have not received any correspondence from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My Credit Report states i have a joint account mortgage with a company name Nation Star Mortgage out of XXXX, Texas, Acct # XXXX its showing a balance of {$98000.00}. I have no idea who opened this account nor do i know the location of this property. I have contacted this company directly and have been unsuccessful in trying to resolve this issue. This account does n't belong to me. I also disputed this account with the credit bureaus. i have submitted documentation that states I 've been victimized by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax mishandled my information which has led to a security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXXCFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX and subsequently, I want JPMChase to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
XX/XX/XXXX, I applied for JPMChase Mortgage Refinancing for my JPMChase ARM Loan XXXX, for which my JPMChase-calculated Credit Score was about XXXX 
XX/XX/XXXX JPMChase represented to my Homeowner 's Insurer, XXXX, that it had Closed on my Refinancing Package for my JPMChase ARM Loan XXXX on XXXX XXXX XXXX XXXX IL XXXX  seven ( 7 ) days BEFORE my scheduled XX/XX/XXXX XXXX XXXX, Closing at XXXX XXXX.
XX/XX/XXXX JPMChase 's Appraiser conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to JPMChase. That day, JPMChase represented to my Homeowner 's InsurerXXXX XXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with JPMChase as Primary Beneficiary, for my {$120000.00} First Mortgage, and as Secondary Beneficiary, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via First Class Mail, by XX/XX/XXXX XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED.
XX/XX/XXXX, JPMChase Mortgage Specialist XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XX/XX/XXXX, XXXX XXXX I arrived there by XXXX XXXX XX/XX/XXXXI continue to assert my federal civil right to review my HUD-1 for my XX/XX/XXXXRefinancing Application.
I want JPMChase to use the Highest Credit Score that it has calculated for me, for my recent,XX/XX/XXXX Mortgage Loan Pre-Qualification.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I reported invalid credit inquiries to Transunion and XXXX. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.

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 2017-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called Transunion credit report 3 times. I tried to file an dispute on some inquires that were no authorized by me. The first time I called it was XXXX/XXXX/XXXX, the representative stated they do n't do disputes on inquires. The next day I called back XXXX/XXXX/XXXX that representative stated I have to mail in or fax my dispute in. XXXX/XXXX/XXXX called to check the statues on the dispute. Was told they did n't have it, that i need to resend it. Hung up called back same day. The rep stated they received the dispute. That i need to contact every creditor i am disputing with also that I need to get a police report. Went to the police dept where i am located. Was told I cant file a report unless my information was used and gain goods off my information. I then spoke with the Supervisor of the dispute dept. He stated i would have to waite till the inquires fall off. I then asked why do I have to waite for something to fall if its not mines or was authorized by me.

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 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo took a majority of my payments and put them in Suspense and then brought then out of suspense on a date that made them LATE. Which Then they removed a LATE Fee from the full or more principle payment. THUS they would NOT accept the PARTIAL payment that THEY CREATED. They did this on and off for almost a year. Thus they made me in Look like I was in DEFAULT. 
I filed Chapter XXXX to put a STAY on my account so that they could not proceed with the foreclosure, while I tried to prove to the Bankrupcy Court that I was  NOT in Default. I proceeded with a Proof of Claim hearing which they regularly " continued '' so it took over 8 months until I could get to tell a Judge that Wells Fargo Home Mortgage was scamming my account.That hearing never occurred because their attorney never let it go through BECAUSE attached to the Motion for a Proof of Claim hearing was an Audit from the District Manager of XXXX XXXX XXXX XXXX. Who was willling to be a witness and submitted the audit of the Mortgage account that showed I was 2 PAYMENTS IN ADVANCE AND WAS NOT IN ARREARAGE AT ALL!!!!! 
ALSO while I was in the Chapter XXXX STAY ( freezing my account ) Wells sold, by way of ASSET BACKED SECURITY CERTIFICATES to XXXX XXXX My frozen account!!!! 
The reason Wells Fargo Home Mortgage did this to me was 1. My property appraised for {$360000.00} and I only owed {$120000.00}. 2. I worked at Wells Fargo Home Mortgage for 6 months because I was SICK of how they handled un knowingly, innocent Borrowers Accounts. And could Not stand to be so Unethical to work there, so I QUIT. They were demanding that I sell 125 LTVs and the Crash of 2008 was on the horizon and predicted and very evident. 
I was on the team that created XXXX XXXX XXXX used all over the United States and was in the Mortgage Business for over 17 years and have work at Many Mortgage Brokers and Banks BUT this was completely UNETHICAL and Fraudulent and hurt me beyond belief. And my life NEVER re couped from this huge fraud LOSS created by Wells Fargo Home Mortgage 's, bogus servicing tacits, and foreclosure scam.

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 2017-09-12 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: GA

Complaint narrative:
On XXXX XXXX I reported invalid credit inquiries to XXXX and Equifax. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: KY

Complaint narrative:
I have made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.

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 2017-09-12 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: NC

Complaint narrative:
I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said " cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.

Company response to consumer: Closed with explanation