vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, Equifax and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XXXX XXXX, 2021, I called Navient and was transferred 4 times due to getting the same department that couldn't answer my question, finally spoke to a XXXX ID : XXXX supervisor from Navient the servicer of my loan. I inquired about why my loan was still charged late fees, and interest, when in XXXX, I had told them that I was having financial issues due to COVID, and they also report my loan delinquent to credit bureau. My loans are XXXX loan FFELP. I asked about why I was being charged late fees, interest and payments, when Congress approved the temporary suppression of charges. First she told me that theses where private loans and I read the qualifications that those loans would have been eligible also. Then she said " well you weren't in default '' The kept giving me forbearance 's to make my account current and out of default so the can charge me interest and late fees. I only new my loan as a non private loan from XXXX, so now all of a sudden they tell me its a private loan. I believe Navient mis-lead me in this whole student loan payment and option process. I asked about settlement as some years ago they offered to reduce some of the interest that was on loan. Then XXXX stated they don't do that, I asked her to go back to my history on their file and she refused. I asked would it not be reasonable to validate what I said by looking at their history, she stated no. This to can be verified as the calls are monitored and record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex keeps changing my payment requirements without notification. I have been hacked every day for three years and to protect my account I gave let my balance stay high so the hackers can not make multiple fraudulent charges to my account and pay over the phone with a representative when I need to make a purchase. Several times I have tried to call and make a payment to open up enough credit on my card only to be told I need to pay sometimes as much as three times the amount I need to charge. Last time in Tuesday XX/XX/2021 I needed to charge {$590.00} & pay the remainder of my statement {$220.00} and Amex requested a payment of {$2000.00}. Was told a letter was mailed to my XXXX XXXX XXXX day before on Monday XX/XX/2021 which I would never have revived in time and did not have sufficient time to respond and take steps to make such a payment. This has happened once or twice in the past few months and may also be a stall tactic to enable the car rental company to mess around with my rental car. Separate issue that law enforcement has been notified as XXXX is looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and Transunion. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX  written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

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 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am a part of the group where where SLS took my house in 2014. I was distraught when I was paying my mortgage as suscribes in my contract and i received absolutely no help from them. SLS had me running around providing documentation to keep my house when they were already in the foreclosing process. They provided me with false hopes and information. My loan initially was with XXXX who sold my loan to SLS. The issue started when I wanted to refi my loan to get a better interest rate, this is when the nightmare began. XXXX also ran me around and sent me to a counseling department with XXXX, where the counselor advised to stop making payments because that way the program will approve my request. Unbeknown to me I totally believe that is what I was to do, they were the so-called experts. Well, thats when my payments fell far behind and there was way for to recover. Still waiting for XXXX  to advise if my request was approved, they sold the loan to SLS. As I stated at the beginning, SLS took the loan and sat on it and did absolutely nothing. The foreclosure process went pretty quick, I didnt have a chance, I was losing my beautiful first home. I contacted and spoke to so many people and none of them helped. I then contacted Congressmen XXXX office to seek help as I was desperate to keep my house. The Congressmens office contacted SLS and were told they would look into the matter. They did not, they sat on the request and shortly after, the paperwork was on its way to the court. I remember this like it was yesterday, I tried so very hard to keep my house. Til this day, I know something wasnt right about my foreclosure, I strongly feel that my house was illegally foreclosed. I did everything in my power to reach to everyone I could, and received no assistance. I am not submitting my complain so it could be included in the lawsuit against SLS. 

I may already be included because I received correspondence along with a small amount check advising me if the lawsuit. I wanted you all to really look into my case, there was some Shady stuff going on. 

Thank you for taking the time to read my complaint. If Im needed for clarification and more details, I may be read at the following : 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 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This complaint concerns unauthorized money transferrers from our Wells Fargo Account through XXXX Debit. Unauthorized transferrers are as listed below : XXXX {$470.00} XXXX {$480.00} XXXX {$3500.00} XXXX {$3500.00} XXXX {$3500.00} We complained to our branch and to the Wells Fargo Claims Assistance Center. Our claim was denied by Wells Fargo. They stated that the transfer of the money must have been through hacking of our computer. We contacted XXXX, our system security application, and they stated there is not evidence of hacking or a virous on our system. We provided this information to Wells Fargo- but they have not replied for a month. 

The Case Number with Wells Fargo is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX CONVERGENT OUTSOURCING XX/XX/2021 VIOLATION OF 15 U.S. Code 1692g - Validation of debts Re : Account Number XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 15 USC 1692g ( a ) clearly states that you must have sent me a written notice of the alleged debt. You did not do this and if you say you did please provide me with proof. Pursuant to 15 USC 1692k violating this law will cause you to be liable for {$1000.00} in damages. I demand that you delete the reported tradelines from my consumer report. 

Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed. 

Sincerely, 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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX 2020 ( can not find my bill ) I went to Best Buy in XXXX XXXX XXXX IL and purchased a gas stove and the matching microwave ( both XXXX black steel ) XXXX At the time of purchased I was offered a one year supporting agreement with the XXXX XXXX and I said no. Then I was told that if I purchased the agreement I would get a discount on the appliances that was a little bit more than the cost of the supporting agreement so I said OK ( I was saving a few dollars ). This year the contract was up for renewal and I told Best Buy I did not want to renew it, however, they went ahead and charged my Best Buy credit card for that contract in the amount of {$260.00}. When I received the first statement from Citibank ( that is the bank that carries the Best Buy credit card, I called and told them I had not made nor had I authorized that purchase. Citibank told me I had to take that issue with Best Buy, Best Buy said I needed to talk to the XXXX XXXX division and after talking to a great number of people, Best Buy finally agreed to remove the charge from my account. However, Citibank refuses to close my account insisting that I must pay them for late charges and the interest a total as of today of {$80.00}. I am refusing to pay for something I did not purchased. I wrote to the XXXX XXXX, Best Buy XXXX XXXX in XXXX, MN ; I copied XXXX XXXX, Best Buy XXXX in XXXX, MN and I have not received an answer from either office. In the meantime, my credit is getting damaged because Citibank has posted my account as delinquent. I need help. I tried to take care of this myself but I am not getting anywhere with Citibank. Best Buy has reduced my credit limit to {$350.00}, when it was a few thousands, which I really don't care because I will never again do business with that store, so I will close my account with them, but I do want my credit report to be corrected. I have not allowed any of my account to go delinquent, ever. I was charged for an item that I did not buy and I did not approved. Please 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 monetary relief
Consumer complaint received 2021-12-16 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: CA

Complaint narrative:
I have disputed an address on my report that I have never resided at, the address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and the credit bureau Equifax continues to report it, On my other credit reports no such address exist with my name attached to it..I would like this address deleted from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On or around XX/XX/2021, I contacted Santander Consumer USA about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted Santander and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. Santander reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: MD

Complaint narrative:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

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 2021-12-16 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: MD

Complaint narrative:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: MD

Complaint narrative:
On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
for Loan number XXXX at Morgan Stanley Private Bank. The loan was in deferment from XXXX of XXXX to XXXX of XXXX and was told that the modification program required income qualification. Later in XXXX I discovered that the modification program does not require income qualification and that the payment would lower my current mortgage payment by {$540.00} a month. I was never told about this offer. After calling the mortgage service center several times to try to get the escrow taken off of my mortgage, I inquired further and was told there is a new modification program that could lower my payment and just requires my acceptance of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation