vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
In XX/XX/XXXX received documentation from XXXX XXXX   regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: MD

Complaint narrative:
I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my XXXX and Experian report, all derogatory items that I disputed were dropped from my Transunion credit report due to the fact that they could not be properly verified but again, remained on my XXXX and experian. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my XXXX and experian credit file be removed immediately. 

XXXX & Experian Collections : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )

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 2018-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open an online banking accounts with XXXX, a division of XXXX XXXX XXXX XXXX XXXX paying 2.25 % p.a. interest. 

XXXX advised be by email that I was turned down and mailed me a letter which I am attaching to this complaint. The Notice mentions that the Bank obtained a report from Transunion. My credit score having never been under 800 and currently hovering at XXXX, obtaining credit was never an issue. In this instance, I am not even establishing a lending relationship, but a deposit account. I have several other online bank accounts. I have no debts or mortgages. 

After obtaining my Transunion report online, and finding nothing damning on it ( quite the contarry, I spoke to Transunion who agreed with me ( well, someone at a call center in XXXX agreed with me ) and asked me to call XXXX. 

I spoke with XXXX and I was told there was an alarm in the report they received from Transunion. Since I can not see anything alarming in my Transunion report, and neither apparently can Transunion, I feel powerless. 

I appeal to CFPB to contact Transunion and XXXX to resolve what is a mystery to me. Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

XXXX regards, XXXX XXXX XXXX XXXX ( XXXX 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 2018-10-09 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: NC

Complaint narrative:
On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.

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 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I recently contacted Diversified Consultants regarding an account listed on my XXXX credit report as a paid collection. The account listed was paid to the original creditor after it was discovered that the original creditor ( XXXX XXXX XXXX ) was sending correspondence to my previous address of service and they had not updated their records to reflect my new service address. I have three separate accounts with the original creditor and have never been late with any payments on these accounts. I was assured by the original creditor that this matter would be resolved but after several attempts through mail and by phone with Diversified Consultants this paid collection still remains on my XXXX credit report. This account is the only blemish on my credit report and i respectfully ask that it be removed as it was paid as agreed upon to the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: NC

Complaint narrative:
On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.

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 2018-10-09 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: NC

Complaint narrative:
On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Made defer arrangements car payment with Ally Financial by phone. Their representative who acted on their behalf said eligible, sent paperwork, and I sent $ $ as told to make active defer as told. Case # XXXX. Two month defer beginning and including XX/XX/2018 if I sent in {$160.00} and I did and got confirm for that. Was told I have to pay more money to them XX/XX/XXXX for {$110.00}. Ally harassment of me non stop. Two sample days on phone harassment : XX/XX/2018 : XXXX XXXX., XXXX XXXX   ; XXXX XXXX  phone calls. XX/XX/XXXX : XXXX XXXX, XXXX XXXX  ; XXXX XXXX Harassment began day after they got my . Tried working with them calmly when they began harassment. Did not work. Advised them not to call any more. Did not work. Began yelling and cursing at them doesn't work. Put phone status on not accepting any calls. Now they are sending threatening letters and got my first one on XX/XX/XXXX in PO Box . It is dated in XX/XX/XXXX and telling me I have until XX/XX/XXXX or they will take action. They also charged my checking account after date of defer causing more fees to me. XXXX XXXX XXXX vehicle

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 2018-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc.
State: LA

Complaint narrative:
On XX/XX/2018, XXXX from Diaz and associates contacted my job, work, mother, and fianc. I allowed my fianc to contact organization on my behalf due to them being closed when I get off work. She proceded to tell my fianc that it was not illegal to contact my work after I specifically stated that my job does not allow personal phone calls. In addition to this, she left voicemails that gave my personal reference and file numbers that could lead to my job gathering information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: NC

Complaint narrative:
my insurance company issued a claims check for damages from a hurricane Disaster. Wells fargo is my mortgage company. The check was to be signed by Wells Fargo and sent back to me so that I can start the repairs on my home. Wells fargo refuse to sign the check and insist that I allow them to assign me to a case worker to monitor how I spend the insurance money. The insurance company came out and investigate the property before paying on the claim. I don't need Wells Fargo to baby sit me. I have a major pluming Problem that needs immediate attention as well as some other things that need to be repaired. Wells fargo is refusing to sign my check they are insisting that I give it to them to put in an escro account and they disburst it as they see fit. I pay for my insurance and I need help now not when they feel like I should have it. I feel as though they are messing with me because I just recently filed a compliant against them for saying I owe them money that I know I don't owe them. Please Assist me with this matter. XXXX is backing up in my bathroom, I don't have time to play these games with Wells Fargo.. I also went into a local branch and the Banker tried everything she could to resolve this matter and she was told no one could do anything about this except for a XXXX XXXX XXXX, when she tried to contact him he refuse to talk with her. She also filed a complaint from the local branch. what I don't understand is why I need a case manager and why was this sent to the exec office. As I sat in the Bank yesterday I wittnessed several people get their Disaster funds endorsed with no problem. so my question is why do I need a sitter.

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 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: MO

Complaint narrative:
I am a XXXX, XXXX  XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX  in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX  ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX  ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX  in XXXX ) can apparently be collected as a federal debt would, through garnishment.

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 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I have been trying to get information about my mortgage in writing but they will not accommodate my repeated requests for that 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 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
I filed an original complaint against First Heritage Credit in XX/XX/2018 because they continued to contact me at work after I told them back in XX/XX/2018 to remove my work number and not contact me at the number again. They continued to contact me there on multiple occasions. I filed the original complaint, to which the company responded saying that no calls had been made since I instructed them not to back in XX/XX/XXXX. That was a complete lie. 

Today, XX/XX/2018 at XXXX XXXX, XXXX XXXX at the XXXX location of 1st Heritage Credit contacted me again at my work number. I asked her for her full name, which branch she was calling from and who her manager was. She provided this information. I asked to speak with XXXX, who she said was the branch manager. I asked XXXX why she was contacting me at work, after they have been told repeatedly not to contact me at that number. XXXX said he was not aware of her calling my work number and apologized. I asked why my work number was still in their system, as I had previously been told it had been deleted. He said he wasn't sure, made a reference about his DM that I didn't understand, and said he would make sure it was removed. I told him I had already filed a complaint with the CFPB and that I would be filing another one. I hung up with XXXX and then called XXXX XXXX, who wrote the response on behalf of 1st Heritage for the initial complaint. I told her who I was, what had happened that instructed her to get her XXXX branch under control. I also informed her that I would be filing another complaint with the CFPB. I then hung up. 

They continue to harass me and put my job in jeopardy. I want them fined this time around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried disputing my inaccurate accounts with XXXX for awhile now. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Equifax have wrong address on my personal file, and I send in my correct address with proof, Accounts that's not mine, and was already disputed and removed, they put the accounts back on my credit report with no notice. Equifax pretend to remove my accounts but then used old accounts to say they deleted. On XX/XX/2018 I received a letter in the mail from Equifax stating that they updated XXXX  XXXX, XXXX XXXX, and XXXX XXXX, and that they verified the accounts were reporting accurate. I never asked them to dispute any credit card accounts. I asked them to verify the inquires on my credit report that I didn't authorize. There not doing there job, and as a consumer under the FCRA section 609 credit bureaus must prove the accounts is mine, with validation, or contract. I have not received anything verification, or validation. I want these accounts deleted off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The XXXX  has stolen my credit card account number and charge to my account since on or about XX/XX/2018 until XX/XX/2018 even I didn't purchase .I contacted the Capital One credit card to report the fraudulent charge and to lock my credit card. After that, the XXXX still stole my new credit card account and continuously make a fraudulent charges ( in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 ) to my credit card. XXXX  told me that Capital One give them my information without my consent. On or about XX/XX/2018, I contact the Capital One credit card and asked why Capital one credit card stole my information and gave to the XXXX without my consent and the Capital one credit card refuse to give my any answer and refuse to remove the fraudulent charge on my credit card account. 
The XXXX is attempting to collect the debt which I do not owe. On or about XX/XX/2018, I received an email from XXXX demanding that I have to pay Immediately {$22.00} which I do not owe. On or about XX/XX/2018 the XXXX charge to my Capital One Credit card account with the amount of {$22.00}. On XX/XX/2018 I Called the XXXX and let them know that I never owe them any money. the XXXX threatened me that they would report me to Credit Bureaus and file lawsuit against me for the debt I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.

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 2018-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
I talked with a loan rep about doing a lot construction and permanent loan. He assured me with my VA status it would be no problem. Also I would not need to put anything down or 10 % of the construction cost. I moved forward with the application and discovered they was not able to do such a loan and what he claimed was not possible. I requested to speak with management about what happen and she attenpted to cover up the actions of the loan rep. I was mislead in an attempt to obtain my credit file. It was deceptive trade practice and false information about loan product.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was paid in full company cant produce a statement hoeing where the acct was paid in full or even if I still owed money which I do not

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