vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I just received a renters report from the apartment complex I just applied to. It lists an address from 2011 that I have never ever resided at, I contacted the company ( Experian ) months ago and was told it would be taken off and now I see that it is still being listed as a previous address. I want it removed from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I initiated papers to have a direct transfer from Wells Fargo to XXXX XXXX XXXX of a Roth IRA, account # XXXX. Supposedly the IRA transfer office in XXXX XXXX, SD transferred the funds by mail on XXXX/XXXX/2017. After 1 month and the funds not being received by XXXX, I sent stop payment papers to Wells Fargo in S.D. and although XXXX XXXX says the papers were delivered XXXX/XXXX/17 @ XXXX, Wells Fargo said they never received them. On Thursday, XXXX/XXXX/17 The local branch of Wells Fargo faxed the papers and on Friday they said they received them but it would take 3-5 business days for them to stop payment and another 90 days for them to re-issue a new check. Given that XXXX never received the funds in the first place and Wells Fargo claims they never received the stop payment papers delivered by XXXX XXXX, the 90 day waiting period, I am concerned I will never receive my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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:
XXXX XXXX And Experian all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: GA

Complaint narrative:
I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Federal Student Loans - Cause Of Action Dismissal - Schedule Appointment XXXX XXXX ToXXXX XXXX XXXX Today at XXXX XXXX Hello,
 My name is XXXX XXXX and I am the Federal Student Loan Discharge Specialist here at XXXX XXXX XXXX
 
I am reaching out to let you know that the Department of Education (DOE) has added your school to a list of schools that file a "Cause of Action" claim. This is a Grievance Discharge of all Federal Student Loan Debt for students who feel misled or defrauded when it comes to their school experience.

 
Have you been made false promises to regarding job placement or assistance?

Have you been lied to about your credits being transferable to other college/universities?

Have they failed to thoroughly explain to you the full cost and breakdown of your entire tuition?

 
These are some examples of questions that if apply to you would deem you eligible for this Grievance Discharge, and if approved you could be completely dismissed of all your Federal Student Loan Debt and reimbursed on all voluntary payments you have made to your student loans thus far. If you have ever received any credit damage due to these loans, that damage can be completely revoked.

If you would like to check your eligibility further, please contact me via email or phone. I can go over your case and see if you are a valid candidate for this program. Have a great day and if you know of any classmates or friends/family that this might apply to, please pass along this information.
Thank you very much
 
 
Please email me or call me to schedule an appointment if you feel this applies to you.

-- XXXX XXXX XXXX Loan Discharge Supervisor XXXX Direct: XXXX ext XXXX  FaxXXXX (XXXX) XXXX Email:XXXX Web: XXXX XXXX XXXX XXXX XXXX "This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message." Thank you for your cooperation
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The mortgage company is shellpoint financial { using a different name.
first of all they are incorrectly reporting my modification on my credit report it is suppose to start over but it did not. I received a modification for a high amount than the original loan and they are still putting payments toward 2014. I fell behind again in payment since XX/XX/XXXX which was my last payment and wanted to pay twice a month but the company will not allow it. my next option is to file bankrupsy. The original loan modification has additional hidden fees that should not be there and you can not reach anyone In the customer service or the whatever team.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
My bank is n't reporting my account balance to my XXXX app that is linked to my bank. They should be reporting and updating daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Neiman Marcus credit by Capital One about charges that are not valid and they refuse to do anything about them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: FL

Complaint narrative:
XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX  card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have been trying to resolve this matter with Santander since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TX

Complaint narrative:
I 'm in the process on getting a home, the person that 's running the credit and so I can be approved is saying every time she tries to run it 's telling her " inquiry information identified as fraudulent by consumer error ''. I 've been calling for the past two weeks, I started calling to be exact XXXX XXXX. They started asking me questions, the representative told me I had to fax paper work ( id and social security card ). That it will take 48 hours for it to get there. So the XXXX I sent my documents, waited and I called Monday. They said they did n't recieve anything yet, I asked to talk to a supervisor, name was XXXX. She said they got the documents but that the documents I 've sent the numbers were dark and they could n't read them. She asked to fax them again, so I did. I called again the XXXX, again They were having trouble finding my documents, got transferred to 4 different. One said they had em another said they did n't. I sent my documents again and the same issue. They were giving me the run around. They transferred me to a supervisor in XXXX, remind you I was on the phone for 1 hour 20 min, she told me that I had to wait 2 months, I had to create a profile, that they were was n't anything they can do. I have my receipts from what I sent. Even XXXX XXXX sent them a credit history and she still said I needed to send again, I had to create a profile etc etc. it 's very aggravating because again, I 'm in the process of purchasing a home and I wo n't be able to until this issue is fixed. I have names of the ones I spoke to and times. I explain to them my ssc was stolen but that 's why I was sending documents to confirm I 'm the same person in the social security.

Company response to consumer: Closed with explanation