vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C.  Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But Experian and XXXX  wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.

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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand. 
They failed to update the dates to the correct dates, even via a dispute with XXXX. 
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<<Date Maj. Del. 1st Rptd XXXX EFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TX

Complaint narrative:
XXXX is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with transunion and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact XXXX  regarding the issue and they said they couldn't help me with credit reporting issues.

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 2019-10-25 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: NM

Complaint narrative:
Navient applied a deferment to my XX/XX/XXXX loans without my consent and now refuses to remove it. They are XXXX me out of qualifying payments towards Public Service Loan Forgiveness. Have tried multiple times to get them to understand my situation and have requested they put all my loans back into repayment. Their representatives give false and inaccurate information. I graduated in XX/XX/2018 and should have my graduate loans in repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Ive been working for a very long time with XXXX XXXX XXXX XXXX ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I was on a XXXX page for a music concert called XXXX XXXX looking to purchase tickets. A profile named XXXX XXXX XXXX was offering to sell 3 tickets. I messaged her and we agreed to make a transaction of {$150.00} for the tickets. She instructed me to PayPal her the money to her account attached to the email XXXX. I sent her the money and a screenshot of the completed payment, then she proceeded to give a very unclear explanation of why she was unable to access the payment, and then claimed that she refunded me the {$150.00} but that it would take three days to get back to me. I asked to see proof of the refund, and she sent back a very ambiguos screenshot of a refund ( but was completely unspecific to our transaction ). I asked to see a screenshot that proved that the refund was going to me ( because I received no notification that I was refunded ) and she refused stating that she was using a PC and couldnt take another screenshot. She told me to pay her again at a different email so the payment would work, and then she would send the tickets. I sent her only half the money, as we agreed this time, and promised to send the other half once I received the tickets. I sent her {$75.00} to an account attached to the email XXXX, which she said belonged to her cousin. Once again I did not receive the tickets and she has no ceased communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ghidotti | Berger LLP
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ive been working for a very long time with XXXX XXXX XXXX XXXX  ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I filled chapter XXXX Bankruptcy in XX/XX/XXXX and it was Discharged XX/XX/XXXX. 

I have been advised by my bk lawyer, that to review my report That all account included in the bankruptcy is to show the following. 
Discharged in Bankruptcy, included in Bankruptcy, or Bankruptcy Balance must show XXXX Account must be listed as closed A no negative late payments can be showed except for bankruptcy. 

The question of have is, I have one account that was included in Bankruptcy and was discharged, Closed and balance is XXXX. 

Two credit bureaus that provided XXXX XXXX my report, this this one account under COLLECTIONS, but it does state Discharged and not under the closed file. 

Is this legal, I have reach out, to the two credit bureaus, XXXX XXXX and no one has replied on this issue or fixed it. 

If this account was included in my bankruptcy and discharged it should not be under collections. 

Can you advise if this is correct and if I should file a complaint. 
I under the Bankruptcy will stay on my credit report for 10 years, but not the collections and I am getting various answer. 

Please advise. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I want Wells Fargo to report a positive a positive payment on my account. Wells Fargo is part of a class action settlement due to issuing CPI insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I am writing to request your help. I tried to solve this issue with CrossCountry Mortgage back on XX/XX/2019. I requested this company to start an investigation about a late payment that is being reported to the credit bureaus. In the request I also clarified that I was disputing the payment history they are reporting to the credit bureaus. 

40 days after, I checked my credit reports and they did not even mark the account as disputed, they did not start any investigation as they are supposed to under the FCRA. 

Please help me to solve this issue since they are committing multiple violation such as reporting incomplete and incorrect information to the credit bureaus, unfair business practices and negligence, etc. 

See documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: WA

Complaint narrative:
I tried to refinance my home through Guild Mortgage. I was guaranteed approval, and was told we could close on a certain date. I have spent my own time and money finding information out about appraisal 's, engineering reports, and many more things, because GUILD refused to do anything. When I spoke with the branch manager, he said he would do everything in his power, and later that day after providing him with the requested documentation, he said he no longer wanted to deal with us and is denying our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Explorer Card was billed with a wrong charge for the amount exceeding {$2700.00}. Chase, when contacted, supposedly reversed charges. The reversal appeared in line charges but was not reflected in the statement total. Chase, when contacted again, supposedly made the same adjustment but the problem still persists. To top this, now they have added interest charges to the statement. I have spoken with regular customer support as well as their Fraud Prevention Department and they still continue with adding the charges to the total but not  showing on line charges. This can be easily be missed if one was going to trust Chase and not take time and verify charges on the statement. I feel that after having given multiple opportunities to Chase, continuing to see this charge is an intentional fraudulent practice by Chase and Chase need to be investigated for such practices and brought to justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I left XXXX with 0 balance and returned all leased phones to local store. Receipts have been sent in numerous times to collection agency and credit bureaus.

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 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was trying to do business with an e-commerce business and went to check out. Upon selecting my payment method I chose PayPal. I went to check out but was denied due to a bank card not being linked. When I opened my PayPal account I see I have PayPal line of credit with more than enough funds available to use. I contacted both PayPal and ( XXXX XXXX ) PayPal credit ; I was told that they select which business can use this line of credit. I told them that they are being discriminatory towards businesses. Upon further investigation it looks like XXXX XXXX and PayPal are in an unethical and bias in determining which businesses can use PayPal Credit and which ones can't. I asked for a list of businesses that I can use my credit with but again was denied such a list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Yes I have a problem and I contacted CONSUMERFINANCE.GOV I took out $ XXXX of school loans for a degree in which I cant even use. The loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 7 yearsand no one is helping me at AES. 
Its a Federal school loan.. 

I am in financial ruin. I get no where but threats from AES. Threats of increasing interest rates. 

I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; XXXX failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current. 
XXXX Increasing and decreasing interest rates without communicating with me or letting me know. 
* Outrageous interests rates and hiring predatory loan collectors.

XXXX Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 
* Not reporting money I paid. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest over 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I want XXXX XXXX to report a positive a positive payment on my account. XXXX XXXX is part of a class action settlement due to issuing XXXX insurance. As part of the settlement I am suppose to receive a 30 day delinquency removal from my account. I am working hard to be on time on my payments and to be current.

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