vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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:
I requested XXXX to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX  complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised XXXX  upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. XXXX  's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with Transunion and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness 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 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/XXXX my ex spouse requested to take her name off of a joint account ending in XXXX at the Chase branch in XXXX MI. The Chase branch manager said that by her doing this it would remove her access to my account. I was the primary holder. In XX/XX/XXXX I  was alerted to an approved electronic funds transfer being allowed out of my account to pay a Chase card ending in XXXX. I immediately alerted the Branch management team and they indicated that somehow my wife was still being allowed access through her own online portal to that account. I filed a claim for XXXX dollars the total amount of transactions Chase allowed from Ex spouse to transfer from the account to Pay her " Chase Credit Card ending in XXXX. I spoke with multiple resolution specialist who all agreed that I should be reimbursed as it was Chase error that they failed to shut down her online access to the account ending in XXXX that she was removed from in XX/XX/XXXX. After multiple attempts I was furthered directed to a person by the name of XXXX from Chase executive team who assured me on XX/XX/XXXX should would refer my matter to her legal team for review and final decision this was on an a recorded line. She called today and XX/XX/XXXX and indicated that even though Chase messed up they were treating as a fraud case and not an Chase error. And even though the Chase Electronic Funds Money movement team did transfer my funds to pay my exs spouse Chase card ending in XXXX She could had stolen my info anyway and paid it, so and I quote, " it was my responsibility to catch it! '' Are you kidding me!! If Chase didn't allow the online access to a customer who voluntary removed themselves from the account ending in XXXX the funds to transfer would have never of happened this is not fraud, this is negligence and So how is it my responsibility to make sure Chase as a banking institution in not allowing their customers who are not on an account to transfer funds from my account after they ( Chase ) initially told me taking the person off of my account would shut down the access to pay their credit cards in another person name!! It's pretty Ironic how they were ok with their own negligence because the authorized funds transferred they moved were to pay a Chase credit card. This is not Fraud its completely unacceptable and they need to step up and correct the error they allowed. I also have pictures of my ex 's portal with Chase still allowing her access to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was enrolled in autopay to lower my monthly payment when in XX/XX/2015 my loan went from $ XXXX/month to {$750.00} and almost over drafted my account. I worked for weeks to get my payment to a steady $ XXXX/month over the next 20 years. Since then my monthly payments have increased incrementally and I now pay {$480.00}, of which {$100.00} in just in added interest - none towards my actual loan repayment. I can not afford this nor will my loan be paid off in a more timely fashion. When I asked about lowering my monthly rate I am told there is nothing I can do. They told me there are no income based options for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient hired a debt collection company called XXXX XXXX XXXX XXXX to collect on their private student loans. XXXX XXXX XXXX XXXX has repeatedly misapplied my payments. In addition, XXXX XXXX XXXX XXXX does not allow me to verify the balance information and any fees paid. I have been paying XXXX XXXX XXXX XXXX for over three years and they have consistently misapplied my payments in addition to adding fees and interest to the accounts which is a flagrant violation of the law. Navient and XXXX XXXX XXXX are engaging in deceptive debt collection practices. I can't even get an accounting of all the payments I have made nor how much in fees and interest Navient and XXXX XXXX XXXX XXXX has added to the account. Navient and XXXX XXXX XXXX are engaging in fraudulent business practices. My account was supposed to have a 0.01 % interest rate however, Navient and XXXX XXXX XXXX XXXX have added a higher interest rate on the accounts in order to keep the balance high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Within the past five years, I opted out of receiving credit card solicitations with the Federal Trade Commission. Capital One has violated that twice. The first time was about a year ago ; the second time was yesterday. This is the only company that has violated the ban.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: NY

Complaint narrative:
Navient makes the process to change your repayment plan online excessively complex and unclear. Navient forces you to take a questionnaire and then " recommended '' two repayment options. I know the option I want ( flat repayment ) and yet it was completely unavailable. The issue was resolved via calling into the company, but I believe this lack of clear online repayment options, especially the inability to select the lowest total cost option ( flat repayment ), unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for a secured with Citibank about 3 weeks ago. It was denied due to bankruptcy. When I concacted the credit bureaus, they told me there is NO BANKRUPTCY!! ( I knew there wasn't ; but I called just to appease Citibank ). 
I contacted Citicards fraud department and they said there were 2 cards opened in XX/XX/1986 in my name. They told me they were going to remove them. I spoke with a XXXX, and he assured me it would be taken care of and he would return my call on Tuesday. Since I didn't hear from I've been on the phone with Citibank for HOURS for the past few days trying to get this resolved. Last night they told me it was resolved and today I could reapply for a secured card. Once again it was declined for the same reason! 
I want this fixed ASAP! 
I just spoke with XXXX in the Fraud Department and he told me to try again. I'M STILL BEING DECLINED AND THERE IS NO REASON FOR IT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
Eqifax has an address on my personal information that I have never lived at. The address is XXXX XXXX XXXX XXXX Kentucky. I know there are two other XXXX XXXX in that area. They are father and son. XXXX and XXXX. Im not sure which one lived at that address but I think it may be affecting my credit score since one or both of them may not have good credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX Direct Recovery Services called my sister and left a very detailed message concerning an account pertaining to me. They gave her my name the amount of the debt owed and the options I have to settle the matter. This was right after they called me and left the same message @ XXXX, they called her number shortly after. They provided my account number as well as my zip code. This is concerning simply because that number could have been changed and belonged to anybody. But their system is designed to call and leave a very detailed message about clients. This is unacceptable and very intrusive to my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

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 2018-07-13 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX went bankrupt and closed all account. I was negatively impacted by this because my score dropped 15 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Westlake Services, LLC
State: AL

Complaint narrative:
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named WESTLAKE FINANCIAL SERVICES. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: MO

Complaint narrative:
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

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 2018-07-13 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: MO

Complaint narrative:
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
My issue was with XXXX XXXX ( XXXX XXXX XXXX   ) They reported 10 year old debt on my credit report and when I called them refused to answer any questions about why they reported it illegally. I've disputed their report through XXXX   and am reporting them now to make sure they don't attempt to trick anyone else with a false report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing an outdated credit inquiry on my credit report from XXXX XXXX.

The date of the inquiry is XX/XX/2016. 

It is over 2 years old. 

I have notified Equifax to remove it, but to no avail.

Company response to consumer: Closed with explanation