vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: CA

Complaint narrative:
I graduated from the University of XXXX, XXXX finishing my XXXX in XX/XX/XXXX. I had over {$110000.00} in student loan debt at the time of graduation, both Private and Federal loans. At the height of the financial crisis, I was laid off on XX/XX/XXXX. Having a hard time making ends meet, I contacted Navient for help. They never once offered me a better payment plan, such as an Income Based Repayment option. They pushed me towards setting of a forbearance on my loan. I was unemployed for over a year, in which the accrued interest continued to build on my loan. Ever since XXXX, I have been back to paying my student loans. In XXXX, I ran across other people in situations like me, and found out about the Income Based Repayment option. Navient not once assissted me in repayment options, only forbearance. Now we sit here in XX/XX/XXXX, and my student loan debt is over {$200000.00}! I pay over {$1100.00} per month now, and my total loan principal decreases about {$100.00} per month! This seems incredibly unfair that my {$110000.00} student loan debt is now over {$200000.00}, with no end in sight. I feel like Navient did a disservice to me and pushed me towards a forbearance, which put me into this situation. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
My wife and I file for divorce over a year ago I Immediately had her taken off as authorized user then XX/XX/XXXX she was expedited a card by USAA bank received on the XX/XX/2019 Her tracking them before her card XXXX I was told she did it by activated through voice they will not give me nothing in writing She racked up {$3700.00} declined was {$340.00} they sent me out another card I was scared to get it closed The account I was Afraid USAA would no longer talk to me I held on to my card I had the sticker on it and left the sticker on it and did not activate it Somehow my card and it up activated with {$2800.00} put on it then I got a check in the mail from USAA for {$2800.00} then they want me to send the check back they told me it was for damages in what I went through They stated that it got activated and usual but will not tell me who activated it or nothing they will give me nothing in writing they're trying to make me pay for the charges they will not help me in any way and my soon to ex wife is getting away with all of this one time she put charges on my XXXX my sons with my account sit me attacks admitting she had done it they did remove that I don't think it's fair she gets away with it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX  XXXX XXXX  ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.

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 2019-10-18 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: FL

Complaint narrative:
PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX XXXX XXXX ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.

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 2019-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On the morning of XX/XX/XXXX, XXXX XXXX. I deposited a check for {$5800.00} and was told that I would have a hold placed on all but {$200.00} of this. That initial {$200.00} would be available immediately, but no later than the next business day. I received the paper that states why the hold was on there. It seemed fine. I go about, getting my bills paid. Suddenly, Im overdrawn the morning of the XXXX. I called and asked why theyd not given me the {$200.00} I was told. They said no reason. They extended the hold to the XX/XX/XXXX without a hold notice. Their paperwork I have shows that the {$4800.00} was to be released on the XXXX at XXXX. And the remaining {$860.00} would be released the XXXX at XXXX. However, they took out ALL of my funds and sent me into an overdraft. I am now paying late fees and double payments for every one of my bills because Bank of America had lied to me, and withheld my money ; now violating Article 12. Their {$5000.00} rule was invoked ; however, the additional rules state that that first {$200.00} must be made available within no later than the first business date, and the excess of that XXXX was allowed to be held until they confirm the check can be cashed. However, that was not the case. Three phone calls and Ive been lied to. One agent telling me that the {$200.00} would be available XXXX Friday morning. It was not. I am now paying a double phone bill that will soon be shut off because BofA has done this. The second phone call I made : I was not given a reason for the extended hold, and the redaction of MY money whatsoever. No notice of hold. I am now being spammed with email after email demanding I deposit cash into my account to cover the overdraft.

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 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have repeatedly had problems with Mr. Cooper 's servicing of my mortgage. They have inappropriately applied additional principal payments multiple times contrary to the loan covenants. Their statements are not correct and their record keeping is impossible to reconcile. When I point out a problem, they " research '' it and say everything is great when it clearly is not. 

For example, my statements dated XX/XX/2019 says that I was charged {$980.00} in interest and {$5200.00} went toward principal. When I look at the payment history ( and my own records ) between XXXX and XXXX the payments totaled {$1500.00}. Mr Cooper says everything is great- no errors! The normal monthly interest is around {$330.00}, not {$980.00}. This is all attached. 

Mr. Cooper also said my payment was late, charged me a late fee and I had ot contact them 6 times to get the issue resolved when it was obvious I made the payment ( it showed on their website with the right amount and date ). 

When you look at their website payment history or they send you " research '' it is ridiculous. They sent me my history and for XXXX, where I made ONE payment they showed over 20 transactions. It is impossible to see what it is going on and reconcile their records even with their own other records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH EXPERIAN, WHY WAS IT REMOVED FROM XXXX  AND NOT FROM EXPERIAN? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR 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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I tried to get my free Equifax annual credit report from the XXXX website. It asked me questions that weren't even close to my credit history, so I answered " None of the above '' to each question. I got a reply that they couldn't confirm my identity and I would have to mail them a hardcopy form, with two pieces of ID. This has actually happened to me every time I've tried to get my free report from Equifax ( I've had no problem getting them from the other two bureaus ). So I filled out the form and included a copy of my Soc Sec card and my drivers license. Then on XX/XX/XXXX, I got a letter from Equifax saying they can't find a credit file in their database with the ID info I gave them, and to further assist me they need additional documents verifying my ID, for example, my Soc Sec card and my drivers license!! I tried calling them at a few different " Customer Service '' numbers. All I got was an automated system that ended up asking me 4 questions that, again, weren't even close to my history. In fact, they might have been the same questions I was asked in my online request. I again answered " None of the above '' to each question. I got a response that, because they can't verify my ID, an agent can't assist me at this time. The end. In XXXX, I had to send a hardcopy request ( as usual ), but I did get my credit report. And it looked OK. That was before their security breach. After the breach, I was able to lock my report without problem. So, they could find me then, apparently, but not now. Because they keep asking me questions not even close to my credit history, it makes me wonder what they've done to/with my credit report information. So, I really would like to get my report from them, to make sure my information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX 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 2019-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
On XX/XX/2019 we were closing on our Mortgage refinancing loan with Village Capital & Investments, LLC. I changed my mind and sent by fax the NOTICE OF RIGHT TO CANCEL on XX/XX/2019 before the cancellation deadline. When I spoke with my current lender I was told they no longer had my loan that it had been funded by someone else Village Capital. I spoke with the agent at Village Capital but he only tried to convince me to stay but I do not want to stay with them I dont trust the business practice. I also called the office only to get told they would email someone but no one has contacted me and I am frustrated and worried about whats going on with my home mortgage.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my personal credit report, which, I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. 

By law, per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. 

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 

XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX - Direct Inquiry from XX/XX/XXXX If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH XXXX, WHY WAS IT REMOVED FROM TRANSUNION AND NOT FROM XXXX? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR 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 2019-10-18 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: CA

Complaint narrative:
THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-10-18 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: CA

Complaint narrative:
THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I applied for a Business XXXX XXXX American Express Card in XX/XX/XXXX after I received a promotional application in the mail, stating that I would receive XXXX points after spending {$5000.00} in 3 months. I sent the application in the mail and received the card in approximately 10 days. I started using the card for all of my business expenses and accumulated approximately {$6000.00} in 3 months. After two months later, I had not received the promotional points. I called and was told that because I had previously opened American Express cards I was not eligible. The two cards opened had been closed for over two years ( XXXX, XXXX ) They also said there was a disclosure in the application but it is very vague stating you might not qualify for the promotional. I received no email or letter regarding the fact they were sending me a card but were not going to give me the promotional points. I have some airline cards that I would have preferred to use but changed over to XXXX due to the " promised '' promotional. I just called them today after another issue came up due to the fact I had been charged for trailing interest fees for three months after I had opened the card. I had immediately signed up for auto payment and assumed my bill was being paid. But unknown to me, it doesn't kick it for a month or so. So when I realized my bill was overdue, I immediately called, paid on the phone and received credit for the late fee. But even though my bill was paid on time in the next two months they were charging a trailing interest fee which I had not noticed since somehow I was on paperless billing. When I did notice it, I called but at first the representative told me that was nothing they could do about it. I pressed her to speak to a supervisor who after my insistence, gave me a credit for the trailing interest charges. At this point I also questioned her about my promotional points and was given a lame excuse that the application said you might not qualify. I asked her why I wasn't told that when I received the card and she said if you had applied on line you would have received an email stating you didn't qualify? Well I did not receive an email or letter. I also wrote American Express customer care, XXXX. XXXX XXXX, XXXX XXXX Texas XXXX about the situation. That was over two months ago and I have not received any response. The representative today said they don't usually respond to the customer???? I feel that if I didn't quality ( and the reasons seem very vague ) I should have been notified when I received the credit card. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX -- XXXX

Company response to consumer: Closed with monetary relief