vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have now applied for a lower payment 5 times. My last time I applied for a recalculation, they actually increased the payment by another {$50.00}. So now it is {$180.00}. Why in the world we they increase the payment when I stated I can't afford a {$130.00} per month? 

Well, I called last week and got a honest rep on the phone who told me the truth ; evidently Navient falsified my grow income and " certified my income at $ XXXX/year. I didn't make {$32000.00} a last year. I haven't made that kind of money in over 5 year plus year. 

At best my AGI will be somewhere around $ XXXX after all the medical expenses and other deductions. That same honest rep did acknowledge the gross error and advised me to again resubmit my information after I did my taxes. That's another 3 months out! Whoever that did the review completely ignored all my actual information that this honest rep acknowledged was indeed received and should have been reviewed. 

I supplied Navient with my last bi-weekly paychecks from both employers and even a spreadsheet of all my medical expenses ; they still made a total mess of the recalculation. The rep wanted to put me into another forbearance and claimed that I he couldn't do a deferment over the phone for my Federal Loans that Navient took over. I refused the forbearance. So now the clock is ticking on defaulting because of the dangerous game Navient is playing with my finances. My actual gross is {$27000.00} before deducting the {$2300.00} in medical expenses. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Reason for Deletion : This is a duplicate account. This account was included in my bankruptcy and should not be reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I had a checking account with Bank of America. It was a fairly new account. On XX/XX/2019 my account was closed for no reason. Turns out they can close it at anytime without reason or notice. Then on XX/XX/2019 my direct deposit went to the bank. Instead of returning to my employer they accepted it. Dont know how you accept a deposit on a closed account. Anyways went to bank and was told they couldnt give me my money. Closing my account that has never been overdrawn is one thing but keeping my money is not acceptable. The total is just over {$2100.00}. They say it will be mailed to me. I use my debit card for everything so how do I get the things I need or pay my bills on time. I have good credit and plan on keeping it that way. I was one of five people this happened to last week.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 XXXX XXXX charged me {$1100.00} for moving services. It covered moving with insurance to cover damage. Damage occurred and the company did not cover it. After contacting the company several times to resolve the issue. I contacted Chase to file a claim to return my funds due to XXXX performing part of the full service paid for. Chase incorrectly recorded I was not happy with the services instead of what happened and influenced Visa 's decision to not return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2016.

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 2019-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 I went to XXXX Florida for 3 days. I had a room at the XXXX XXXX. Once I got into the XXXX XXXX I wasnt able to use my bank of america card so I paid for the room using cash. A couple of hours later I was able to use my card and they put it in their system for any miscellanious rooms charges and insurance. I left XXXX on XX/XX/2018. A couple of days later I noticed that the XXXX XXXX charged me {$700.00} for the room, even though I paid cash for the room the day that I checked in. XXXX XXXX and BOA have not been helpful in getting this claim resolved.

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 2019-01-08 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
My XXXX score dropped 25 points due to Navient reporting my account as closed. Per my XXXX credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called Navient and was told they " have nothing to do with that ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom is may concern : I XXXX XXXX have been a credit card holder of capital one for at least 5 years. Starting XX/XX/XXXX someone has been trying to steal my identity. Someone would call into Capital One customer service and change my address request new/replacement credit cards be sent out to them. We are XX/XX/XXXX and this is continuing to happen right now today over a course of 4 months. Capital One has failed to meet the satisfaction of a customer by proctecting a customer from such indents and to keep such indents from occurring. Each call the fraudster has made they have been Successful at getting my address changed and replacement credit cards mailed out to them. Despite all measurements I have taking diespite all measurements Captial One has taking with noting my account and placing restrictions on my account. By the time I have changed everything back to my information and I have received my new cards only to have them canceled and the fraudster having other cards mailed out to them. I have placed fraud alerts in my credit files I have all credit files frozen and locked. But so some reason the fraudster is still able to gain access to capital one and get my information changed and new/replacement cards mailed out to them. Capital One has failed to keep a customer information safe and secure. Capital One does not take this matter seriously. And are continuing to put my information at risk by allowing this to continue. Despite telling me my account is heavily noted and nothing can be changed or requested without doing a extensive verification check to confirm identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TX

Complaint narrative:
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit 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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. 

They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 
2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 
4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 
5 ) this loan showed discharged in bankruptcy within my discharge paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: Lending Club Corp
State: TX

Complaint narrative:
Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Experian score dropped 25 points due to XXXX reporting my account as closed. Per my Experian credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called XXXX and was told they " have nothing to do with that ''

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 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Owner of the loan would not work with me. The servicer they use is Chase Bank. Chase Bank made mistakes and delays causing great hardship. The lack of help forced me to sell my home at a loss for {$90000.00}. Home is worth {$160000.00}.

XXXX XXXX XXXX  as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was a victim of a scam/fraud while visiting a foreign country. The merchant had my card on file and charged additional fees that I did not authorize. 

I immediately reported the fraudulent charges to Wells Fargo - prior to the charges being run and was advised by a Wells Fargo representative that the card would be closed at that time. 

However, the fraudulent charges still posted days later. 

I had to open a second fraud claim with Wells Fargo because they closed the first one without consulting with me or asking for additional information. 
I received no phone calls or emails. Only an outdated later stating they were unable to assist me in my claim.

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 2019-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Signature Bank (NY)
State: NY

Complaint narrative:
XXXX XXXX has not provided me with my statements from XX/XX/2018 to date. Also impeded my request to switch to online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been requesting verification of the following account that Experian continues to report on my credit file. California Federal Court-XXXX XXXX # XXXX. XX/XX/2018 I sent letter requesting document on verification of this acount. On XX/XX/2018 Experian responds with account verified with no document on how account is verified. I called Experian asking how account was verified they state it was verified with original furnished. On XX/XX/2018 I sent a letter to California Federal Court-XXXX XXXX. They sent back a letter state, We do not verify information for credit reporting agencys. I called Experian after receiving letter stating California Federal Court-XXXX XXXX do not verity account and requested how was this account verified. They stated a third party verified the acccount but they can not provided with the name of the third party. XX/XX/2018 I sent Experian the letter from the court and demand documentation on how this account was verified. Experian again state the account was verified and not provide proof on how account was verified. Under the Fair Credit Reporting Act 15 U.S.C 1681g Experian have to funish documentation on how account is verified. Also Equifax and TransUnion was unable to verified account, how did Experian verify when the other two bureau was unable to verify and deleted account.

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 2019-01-08 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: TX

Complaint narrative:
XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false 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 2019-01-08 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: WI

Complaint narrative:
I pulled a copy of my credit report and noticed several errors in my files. Per section # 609 of the Fair Credit Reporting Act consumers have the right to dispute inaccurate information. I started disputing with TU about 3 months ago. On XX/XX/XXXX, XXXX XXXX sent me an alert so I accessed my account for updates. To my surprise, TU had finally removed the derogatory/ inaccurate items from my report. In addition to that, they removed ALL of the accounts that were POSITIVELY reporting on my credit report. On XX/XX/XXXX my score with XXXX was XXXX and on XX/XX/XXXX XXXX XXXX was reporting XXXX. Currently, there's only ONE account reporting and that's XXXX XXXX   XXXX. None of my new accounts, Installment, or revolving accounts are reporting. I knew something wasn't right because I received a letter from TU on XX/XX/XXXX with a dispute status stating : After reviewing your dispute request, we found the information you disputed does not currently appear on your TU report. It's possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies. Normally, TU will send an updated Credit report but in this case they DIDN'T. They instructed me to pull a copy myself. I am filing this complaint because TU is negligent of removing items that were not a part of my original disputes. Also, I feel that TU is not in compliance with the policies or standards that they require their employees to  follow. This has caused severe emotional stress because I'm working on opening a business and purchasing a home. By removing those positive items from my account, this has a negative impact on my credit scores, interest rates and the ability to establish/ obtain new credit. I will be filing a complaint with the FTC and the CFPB. I'm demanding an immediate investigation into this claim and would like for TU to restore my report with the positive accounts I had listed prior to them deleting 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