vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MD

Complaint narrative:
I contacted Bankruptcy Court of public records on my credit file they sent letter ( see attached ) that they do not verify. XXXX  state that it was validated but neither sent me requested information. Or remove items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I canceled XXXX XXXX XXXX cabel, land line and internet services do to moving and at new address which was in different county this XXXX XXXX XXXX XXXX was not avalible. All XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX and balance was paid infull. 
Sometimes in earily XX/XX/XXXX I received email that new updated equipment was sent to me at my old address ( I no longer live at that address since XX/XX/XXXX ) and upon receival of this email I lived at different address and county. I immediately called XXXX XXXX XXXX to resolve this issue and I was told that it was a mistake on XXXX XXXX XXXX 's end and that it will be taken care of. Few months later I received a letter stating I was sent to collection for non returned equipment, I immediately called XXXX XXXX XXXX to resolve this issue and it was extremely difficult for them to understand what happened. I was told I will get a call back by supervisor to resolve this issue and I never did, every few days I would call back and it was taking a lot of times and frustration to explain same thing over and over again. 
At this time I was told that I was also being charged for land line that I no longer have and I was paying for it for two years and I could not be reimbursed for it but then yet again I got sent to collection for equipment not returned at address that I no longer live. All of this information is correct and it is in XXXX XXXX XXXX 's history file, it just takes someone who's willing to look in to this issue and see that two years later I was sent replacment equipment at address that I no longer live and I did not have XXXX XXXX XXXX cable and internet service since XX/XX/XXXX. The amount claimed that I owe is {$200.00} Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A consumer/victim statement was made on my identity and it was made in error I would like to have it taken off my credit report because I can't get a loan access my accounts or fix any account ts until its is removed an its thru trans Union I was told that they needed to ask me some questions but wasn't able to access those questions I called them for 4 hours tried  submitting documents online to no avail the information is XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX the last digits of my social is XXXX The reference number is - XXXX And its addressed to ATTN : CONSUMER DEPARTMENT

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 2018-07-24 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: NY

Complaint narrative:
Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.

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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/18 opened account and checking account with usaa. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to USAA she couldnt give me any more information or escalate my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
I have worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: FL

Complaint narrative:
I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/18 opened account and checking account with XXXX. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to XXXX she couldnt give me any more information or escalate my call.

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 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am having trouble finding a job due to a school that no longer exists. XXXX XXXX has been closed for its high interest rate loans and poor academic practices and it is affecting me in my job search. Navient doesnt seem to care that the loan should be flexible due to the lack of school representation that they loaned money for with high interest rates. They are requesting a high monthly amount that is not simple to pay back in the first place. My loan should be discarded because of my schools non existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2018, I went in to check my account after an email sent to me saying my balance is at XXXX dollars. I was not sure why they would send this notice since I check my balances and they had a pending and posted transaction history for online banking which shows details of available balances vs. each transaction. When I had viewed my online history previously, check number XXXX for {$20.00} had already posted and cleared ; and had sufficient funds at the time of the transaction. Then later on I receive an email that check XXXX for {$20.00} had been returned and I was being charged {$35.00}. I also notice that the online banking system has now changed to have three section instead of two. The three sections are " Pending '', " Authorized '', and " Posted '' transactions which has been misleading and transaction history and posting dates have been manipulated -- therefore causing fees to customers as well as to whom customers write the checks too. I spoke to 4 individuals from Wells Fargo today which included supervisors and managers and they refuse to make corrections to this problem. I also have had to call in with approximately four other transaction related complaints within the last year. Attached is a picture of the account ledger as of me filing this complaint. Wells Fargo 's online banking system has no integrity and accuracy and is causing undue fees to its customers due to them not properly handling transactions.

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 monetary relief
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
Equifax continues to report an old account that should be deleted according to New York State law. 
25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX # XXXX .... has been paid and closed since XX/XX/XXXX. It's XX/XX/XXXX and that makes it 6 years, Equifax continues to report this account. Please delete this account and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
On XX/XX/2018, I filed complaint # XXXX with the Consumer Financial Protection Bureau. This matter was resolved by Dovenmuehle Mortgage Inc on XX/XX/2018. I was told via letter that all late charges associated with my account were waived and that my account was up-to-date. I also received a phone call from a representative from Dovenmuehle Mortgage Inc.that stated that my account was no longer past due. Soon after, the harassing phone calls resumed and I was being told that I missed the monthly payments. I waited to file this complaint because I thought that their system would need some time to update my account based on the " resolution '' of my last complaint, however, the matter has not been resolved. According to the recent letter sent to me by mail on XX/XX/18, I am being accused of having a back balance of {$1600.00} for missed mortgage payments for XX/XX/XXXX and XX/XX/2018 including {$230.00} for attorney and late fees. As of XX/XX/2018, Dovenmuehle Mortgage Inc. has cashed 8 checks from me this year via XXXX XXXX XXXX. Those amounts include {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$700.00} on XX/XX/18, {$680.00} on XX/XX/18, {$680.00} on XX/XX/18, and {$700.00} on XX/XX/18. I am not missing any mortgage payments and have proof from XXXX XXXX XXXX  stating that Dovenmuehle Mortgage Inc. cashed 8 mortgages checks from me for XX/XX/2018 thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This has been going on with the Wells Fargo since late XX/XX/XXXX early XX/XX/2018. 

The only thing that the company has addresses in full was why they used that specific appraiser. I am ok with their answer to that point only. 

They still have not addressed the mistakes and wrong information for the properties that are in the appraisal at all and in specific detail. By law Wells Fargo must have at least three accurate properties with correct facts in order to accept the appraisal which the full appraisal does not and only has one. If Wells Fargo does not fix the errors and incorrect information and data in the report and/or use the report and accept it then they are breaking the lending laws both federal, state and local. Wells Fargo must either correct the report or not accept it in order to follow all the laws and regulation that govern leading. 

Wells Fargo still have not addresses the lies that the company employees have done, i.e. said that they review information but did not and stated those facts on recorded calls. What specific steps did Wells Fargo do to re-train these employees and what improvements plans where these of these employees put on. It is against the banking laws to lie to a customer through the lending process. These happens during multiple stages through this application and have been documents on recorded calls. To resolve this matter Wells Fargo must go back and listen to every single call in full and confirm to me that they did that in writing and they then took appropriate action against the employees that lied. 

They had a legal team review this please explain in detail why Wells Fargo had a legal team need to review this if Wells Fargo did not do anything wrong.

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 monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I spoke to Navient about my income driven repayment plan. I was told it expired in XX/XX/2018. I had just submitted an application in XX/XX/2018 and was approved. I could not understand why it was going to expire so soon. On Navients site it said to reapply on studentloans.gov. After logging on to www.studentloans.gov and finding the place where you apply for recertification for the plan, a notice was shown that i wasnt due to recertify until XX/XX/2018. I called Navient and the person i spoke to was a lady who was assigned number XXXX. She said my Income Driven Plan expired and i had to reapply. Today is XX/XX/2018. So i called studentloans.gov and i was told that Navient should have got my application that i completed in XX/XX/XXXX and that my plan was not expired. I once again called Navient and operator XXXX answered and told me that the info on Studentloans.gov page did not apply to my loan. This sounded utterly rediculous why would there be a reference to my loan to Navient on Studentloans.gov website if this did not apply to my loan. I have no other loans to Navient. I was told the info stated on studentloans.gov about me not having to reapply until XX/XX/2018 was a disclaimer. I dont know whats going on at Navient but i dont believe they are there to help me. They dont seem to know whats going on..or do they?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: GA

Complaint narrative:
Applied for credit extension with XXXX XXXX XXXX XXXX, ad was informed that they were denying the request and that decision was based upon information obtained in a report from the consumer reporting agency XXXX XXXX XXXX XXXX. The report indicated that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving accounts is too high. This information is in error. Equifax has connect my individual credit profile with the Trust : XXXX XXXX, which I am the trustee. See attached documents. Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I sent written communication to Bridgecrest formerly XXXX on XX/XX/2018 requesting VALIDATION of the debt listed on my credit file according to the Fair Debt Collection Practictes Act. I did not receive a response from this company in the 30 days and this company still reports to the credit bureaus. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character. The office did not provide proper documentation that this debt belongs to me pursuant to the above names title.

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 2018-07-24 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: Concord Servicing Corporation
State: PA

Complaint narrative:
I have sent a letter from myself and my wife asking them for a copy of the contract and our signature as required by FCRA and they have not responded to our letter. 

It is a legal matter that they are not complying to. 

I will attach the letter and certified confirmation that the letter was received.

Company response to consumer: Closed with non-monetary relief