vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I recently completed my XXXX XXXX XXXX. While in school several things occurred. First, my federal unsubsidized loan was sold to Navient. Navient held this loan until the last semester before I graduated this fall in XX/XX/XXXX. I took off one semester ( Spring XXXX ) before I finished school. Navient immediately started billing me upon my separation without graduating for XX/XX/XXXX. Thinking that there should be some grace period and my spouse had been unemployed for a little over 2 years, I couldn't afford to pay them. I just held my breath and started paying them when he got a job in XXXX or XXXX of XXXX. I contacted them once and the representative totally ignored my grace period question and wanted me to set up a payment plan. As I explained, I don't need one since my husband is working. However, I am in no position to pay them thousands of dollars to bring this account current. Two concerns : If Navient considered my original separation from school grace 6 months, then why am I 90 days late once the grace period ends? Second question : I pay Navient one payment. Why are they reporting to the credit bureaus three different loans at 150 days late? They are purposefully doing everything in their power to do major damage to my credit. Last but not least, when I asked the US Dept of Education to review their reporting, they recognized the error and made it right. I am hoping and praying that someone can get Navient to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We closed ( sold ) our property on XX/XX/XXXX. We were owed {$1000.00}. We did not escrow or impound, however the mortgagor applied this refund to escrow. They mailed the refund check to the old address and we never received the check. On XX/XX/XXXX I had called to ask for the tax statements and discovered the error and had to change the mailing address and they put a stop payment on the check. 

A few weeks passed and no check, so I called again on XX/XX/XXXX. The representative confirmed that a new check was mailed to a correct mailing address. 

I called on XX/XX/XXXX because I still have not received the escrow refund. The representative place me on hold and came back stating the the check cleared on XX/XX/XXXX. I informed them that I had not received a check and therefore someone else committed mail fraud. The representative stated there was some confusion in regard to if the check cleared or was placed in unclaimed property on XX/XX/XXXX. 

I checked the unclaimed property for my state and did not see the funds there. I am submitting this complaint because I need my money and the mortgagor has not been forthright with their investigation.

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 2020-03-11 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: TX

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Financed Services with XXXX XXXX/XXXX XXXX  {$2000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Received a Collection Letter- {$800.00} ON XX/XX/XXXX Access Capital Services , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX ACCT # XXXX XXXX Unsatisfied/Negligent Services Over Charges and Up-Scaling Services that were Not Needed Performed on XX/XX/XXXX. I Paid an Additional {$1000.00} and Still Pending to Get Correction on XXXX  that when I walked into his Office I Just Needed a XXXX XXXX was told a XXXX  would Better Suite me, he however did not Perform Services Correctly Leaving me with Lots of XXXX. I Financed Services, Never Received a Call Back Regarding Complaints, I Visited other XXXX  and After begging I got some of the Work Corrected and Still Pending More Corrections due to the Negligence of this Dr. A Simple Adjustment for Example on XXXX # XXXX I would wake up in the Morning with Lots of XXXX just needed to adjusted, XXXX  # XXXX still has an Open Contact was not XXXX correctly, XXXX  # XXXX a XXXX  was placed and was falling apart I had to go get it Redone cost me an Extra {$500.00}. the XXXX  on XXXX  # XXXX had to removed and Caused me to get a XXXX  for the XXXX XXXX   once his work was Removed an I Felt an Instant Relieve Another {$500.00} I have Spent {$1000.00}, per My Insurance XXXX XXXX XXXX I was Over Charged {$2300.00} ; My Responsibility to them was {$460.00} I Never Received a Corrected Bill I Did have to take time from work and look for other Dentist that would take me as a Patient to Correct the Work I do believe I'm Owed a Refund in the Amount of {$590.00} ( {$1000.00} out of pocket for Revised/Correction of XXXX XXXX Work - {$460.00} ) now Im getting almost after 2 years a Bill from a Collection Agency-Access Capital Services , Inc. that has Called me Multiple times till I had to tell them I was Going to Seek advise from an Attorney they Stopped Calling me they Called Me on Friday XX/XX/XXXX & XX/XX/XXXX I had to tell them to Stop I also Sent them Proof of my Insurance and Letters to them Demanding a Refund for the Unsatisfied/Negligent Services from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Complaint is regarding XXXX  XXXX XXXX  with whom i have had a Credit Card Account with for the past since XX/XX/XXXX. This account is still current and active. In XX/XX/XXXX they reported me 30 days late, i found this out in XX/XX/XXXX, i reached out to the bank and the issue was resolved and the late report taken off my credit report. I just found out that XXXX XXXX Bank later switched the XX/XX/XXXX report to 30 days late again. This is grossly unfair as this had been previously resolved, this is now dragging down my credit score. 


Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$690.00} {$950.00} Payment Info Status Current,  was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$35.00} Late payments XX/XX/XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late Data Unavailable

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 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-03-11 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I inadvertently sent {$1700.00} intended for XXXX XXXX to Ally Financial who I had a car loan with ( paid off in XX/XX/XXXX. I have contacted them 7 times and have been on the phone with them for over 4 hours and they will not return funds, will not return calls, will not provide a status update, will not provide any resolution or path for me to resolve this. XX/XX/XXXX web based transfer from my credit union to Ally. I have a confirmation no. from Ally XXXX concerning my complaint. My former auto loan no is 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 2020-03-11 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This dispute is for the purchase of 2 tickets for a comedy show by XXXX XXXX on XX/XX/2020. Upon making this purchase, I was not notified of the requirement that there would be a 2 drink minimum during the event, which I was not able to afford. The attached document, Exhibit A, shows this requirement which I was only made aware of by email after purchasing these tickets. 

I had made several attempts to contact the organizer and XXXX regarding the situation before opening a dispute. I attempted to contact the organizer through the XXXX messaging system and explained the situation, but I received no response. Unfortunately, XXXX did not provide me with a record of this message, so I can not attach it. I attempted to call the organizer 's listed phone number twice on XX/XX/2020 to explain the situation, but they did not answer either time, nor was I even placed on hold. 

I do not understand why the dispute was closed in the merchant 's favor, especially given their lack of communication on the situation. Citi did not provide any reasoning for why this dispute was closed in the merchant 's favor either.

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 2020-03-11 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: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
To whom it may concern, I want to file a complaint against both Coast Professional ( Collection Agency on behalf of US Dept. of Edu ) and the US Dept. of Edu. I have been dealing with Coast for  several years in regards to my defaulted student loans. Last year we set up a plan where I had to pay {$5.00} a month in order to avoid garnishment. Of course this will never pay it off, but it was something until I can afford more and I did make larger payments when able to. Coast had my bank account and was auto drafting  monthly. XX/XX/XXXX was the last payment drafted and its unclear why the discontinued drafting. In XXXX I called the US Dept. of Edu to see if there was an issue. Since I have started school  again, I thought maybe the loans were now in forbearance. I was assured my loans were current and I was not in danger of garnishment. On XX/XX/XXXX I received a very low paycheck and saw my wages were garnished. I contacted the dept. of Edu who said everything had to go through Coast. I provided them information the very same day for an AGW   hearing request and have been getting the run around from them ever since. Yesterday I called the dept. of Edu and they claim to not have any info about a hearing. Three months this has been going on. I had a XXXX XXXX last year and bought a house. This is putting me in a financial bind and there is literally nothing I can do. Every time I call Coast, they claim to have not received the last paper, but go to the email and Oh there it is! I am a manager ; I assure you this will be sent today. However it never is. This is incredibly frustrating and I am at a loss as to what today. I am happy to make payments but 15 % is not feasible. I have XXXX  children in daycare, I can not do this. 

Please help me resolve this. 

Thank you. 

XXXX XXXX ( XXXX on account )

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with Experian several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted XXXX XXXX and XXXX XXXX XXXX who represents 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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was contacted on XX/XX/2020 at XXXX XXXX by an individual named XXXX XXXX. He was calling from Quicken Loan to ask about a refinance of my current mortgage. He stated that the rates lowered and now would be a great time to refi. I asked what the current rate was and he said he was unable to provide this information without a credit check. I thought I was pretty clear when I stated that in XXXX the rates did not make sense to refi and I did not want another inquiry on my report. I gave him my approx credit score and asked if he could give me the details based on the info provided. 
He said yeas but would need to confirm some details ( birth date and social ) and could go to work on the numbers. He did not request permission again after being directly told I did not want him to pull credit. I have assumed that he was using the info I provided as requested. 


He then pulled my score without consent and then got back to me with the details. 

I filed a complaint and a quicken team member XXXX XXXX conducted an investegation. On XX/XX/2020 on XXXX he called to inform me reviewed the case and stated that he did note where the loan officer asked for permision and I stated I did not want a credit check but concluded I had " implied '' consent by calling quicken. I pointed out that I got an unsolicited phone call from quicken that that I did not call him. He then changed his story and said that I gave consent by providing personal detail such as social and birth date and that that implied consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I opened an Lease with Chrysler Capital with my husband as the co-signer in XX/XX/XXXX. I paid for the least until XX/XX/XXXX when the lease /contract was bought off in it's entirety. My husband filed ( Himself alone ) for BK and Chrysler Capital removed the account history and payment from my credit report because the co-signer filed for BK protection. I called Chrysler Capital and ask them to please report the account back to my credit report as I have nothing to do with his financials or credit report. Chrysler Capital said that per their legal department ; they couldn't. I have tried to finance an new vehicle and has caused myself issues as my credit reports lacks the perfect payment history of car lease from Chrysler Capital. When I contacted them on XX/XX/XXXX. They told me the only thing they could do was to provide me an payment history in PDF. When received the pdf was blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: VA

Complaint narrative:
I applied for a new apartment ( XXXX ) on XX/XX/2020. The background investigation company, On-site, reported that a late payment/delinquent account with XXXX exists, which affects my credit and my credibility with companies like XXXX. I contacted Equifax and they claimed that they were looking into it, but this false reporting was supposed to have been removed from my credit in XXXX according to XXXX, whom provided me a a letter that was sent to all credit bureaus. Equifax still has not removed the faulty information and it is affecting my ability to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Ive filed a few disputes with the bank On XX/XX/XXXX because my identity was stolen a total of {$4800.00} was taken out of my account, a check was additionally added to my account that was unauthorized, they did not honor my dispute on XX/XX/XXXX so I asked for the case to be reopen, they told me I wouldnt be able to get my money back until after the case was closed because I asked for credit to be rushed, I call a week later and Im told that my dispute is being closed again because of information they kept leaving out, Dealing with Huntington bank they treated me as if I were the criminal and not only that I lost over XXXX, which is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
Monday XX/XX/XXXX I applied for a Charles Schwab bank account. After completing the applicaton it informed me that it took any where from 24-48 hours for approval. Tuesday XX/XX/XXXX I get an email saying i was provided and to fund my new account. On Wednesday XX/XX/XXXX I checked my credit score and it showed that Charles Schwab ran my account two times for one account. Called trying to see if there was anything they could do on their end to fix this 2nd Hard inquiry because they only informed me on one inquiry. Spoke  with a women name XXXX and she informed that it was a mistake on the company and told me there was nothing thy could do to try calling XXXX. Next she began to tell me that my account was closed for reasons i'm unaware of but they sent me an email to not only fund my account but to also complete account information.

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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL

Complaint narrative:
I have asked this company to stop calling me multiple times. They then reached out to my employer. They asked for me, told my employers executive assistant what this was about ( debt collection ) and left their name/company name/and phone number. They have done this multiple times and it is embarrassing/not ok. 

Company who keeps calling is : PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC

Company response to consumer: Closed with explanation