vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I went back to college in XXXX to finish my XXXX XXXX. Navient has a private loan I borrowed in XXXX for college. It was originally in my loan contract that I would not have to make any payments as long as I was enrolled in classes full time. When I went back to school they told me that detail had changed without my knowledge, and they were trying to make me pay monthly interest charges. I received multiple automated phone calls, which I did not agree to on my cell phone, frequently getting multiple calls WITHIN MINUTES. This happened in the summer of XXXX, a year after I had come back to school. When I spoke with someone at navient, they told me their automated system was messing up and continually threatened me with default regardless of the improper phone calls. They said if I made my payments, I wouldnt be getting calls in the first place. I deliberately told them to take me off of their auto dialer, but the automated calls continued. They then placed my loan in default in the fall of XXXX, wrecking my credit. The loan continues to sit in default and harm my credit score because they refuse to put my loan in in-school deferment. I tried to work something out but they only cared about getting any money they could as soon as possible. I am now in XXXX XXXX and continue to suffer from their practices, including continued phone calls as recent as hours before writing this, and the fact that my loan continues to be in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with 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 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with WELLS FARGO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / 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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
the former address in my XXXX credit report appears two times. the second time appears as multifamily.

Swapped addresses in my Equifax credit report. It shows my former address as my current one and vice versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Early Warning Services, LLC
State: IN

Complaint narrative:
I recently found out that my name was attached and associated with 3 consumer reporting agencies, Early Warning, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and  never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Certegy Holdings, LLC
State: IN

Complaint narrative:
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with 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 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I tried to make a purchase at XXXX XXXX. At the register, they talked me into opening a credit card and make a purchase using their credit card. I opened and made a purchase with a credit card. I never received a statement from XXXX XXXX. So I did no know when the payment was due. I had an outstanding balance of {$230.00} on XX/XX/18, which is when they charged me a late payment of {$27.00} as well as a finance charge of {$4.00}. I called them on XX/XX/XXXX and made a minimum payment of {$45.00}. They reversed the late payment fee on that day. After that payment and reversal my outstanding balance went down to {$180.00}. On XX/XX/XXXX, they charged me another late payment of {$27.00} and finance charge of XXXX on the outstanding balance of {$180.00}. I paid off the outstanding balance of {$180.00} on XX/XX/18, which left the account with only outstanding amount of XXXX consisting of late payment fee of {$27.00} and finance charge of {$4.00} which had been charged on XX/XX/XXXX. On XX/XX/XXXX I got charged another late payment fee of {$27.00} and finance charge of XXXX. This late payment fee and finance charge was charged on an outstanding balance which consisted of purely finance charge and late payment fee. The total amount of fee charged equaled the outstanding balance. On XX/XX/XXXX, a payment of {$34.00} was made to cover the outstanding late payment fee. On XX/XX/XXXX I was charged another late payment fee of {$27.00}. I made another payment of {$34.00} on XX/XX/2018. I was then charged another late payment fee of {$27.00} on XX/XX/XXXX as well as finance charge of {$2.00}. I would like to ask that XXXX XXXX credit card reverses all of its late payment fees charged since and including that of XX/XX/XXXX. That's a total of 4 late payment fees of {$27.00}. Those late payment fees should not have been assessed as the credit company charges late fees on a balance consisting of purely late payment fee which was only few dollars more that the late fee they charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XXXX XXXX keeps reporting thi colection account the account is closed and on my credit report its active every month it shows it decreased when the debt is charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I took out a payday loan from Advance America on XX/XX/2018 in the amount of {$500.00}. While we were going over the contract I asked twice if anything would be automatically taken out of my account. I was told " no '' both times. They had me leave a check with them which was supposed to be proof of my checking account. I was never told that it would be deposited. Shortly thereafter my husband lost his job and we have been unable to pay the loan back on time. We are struggling to get caught up on utilities, car payment and rent. On XX/XX/XXXX2018 they deposited my check without my knowledge and overdrew my bank account. The check was returned for insufficient funds. I contacted them and told them that might be able to start making payments in XXXX of 2018. They would not accept a payment plan. They wanted the full amount. On XX/XX/2018 they deposited my check again which left me with no money to pay my rent or my electricity. The contract does not specify how to stop ACH payments which to my understanding needs to be described or else the contract is invalid. I spoke to the company today and was told that they had been trying to reach me however no voicemails were left. They stated it was company policy not to leave voicemail messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I settled my account with Portfolio Recovery and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

XXXX XXXX account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
I settled my account with XXXX XXXX and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

Ability recovery account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
This is a follow up on complaint # XXXX. 

After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX   owns my loan. 

I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is. 

I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.

Company response to consumer: Closed with monetary relief