vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
<P/>
After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
<P/>
I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
<P/>
I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
<P/>
In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.    XXXX   XXXX    HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

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 2017-06-13 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: NJ

Complaint narrative:
With all  XXXX  Credit Bureaus Transunion,   XXXX   and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all  XXXX  of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the  victim that needs to proof that I do n't have a car or a home. There are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does  not belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

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 2017-06-13 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: NJ

Complaint narrative:
With all  XXXX  Credit Bureaus  XXXX , Equifax and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all   XXXX   of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. There  are Medical bill s that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable c ompany that Does no t belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.

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 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today,  XXXX   XXXX ,  2017 , I spent  45 minutes on the phone with Capital One reps trying to gain access to my credit card account online. Turns out the new website REQUIRES users to provide their annual income in order to gain access to their accounts. I am not aware that users are required to disclose their income to use one of their existing cards. I have no interest in credit line increases. I would just like to use the card and pay my bill. Since Capital One wo n't give me acc ess to the account online without my disclosing my income, WHICH IS NONE OF THEIR BUSINESS, I closed the account.   XXXX  Why are credit card companies allowed to require income disclosure in order to use their product?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: NC

Complaint narrative:
I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
My husband passed away and I am trying to sell out marital home. To my horror I was just told that XXXX XXXX XXXX XXXX acquired by Bank of America, NA in XXXX failed to discharge an equity line of credit of that was paid off during a refinance in XXXX. I am beside myself as I need to sell this property as expeditiously as possible. My husband 's name was XXXX XXXX XXXX. To the best of my knowledge we were both listed on the mortgage. After my husband passed away I shredded a lot of documents and can not locate any original documents related to this mortgage. I am now under contract with the house and need clear title. Please help! <P/>Thank you for your prompt assistance in this matter.

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 2017-06-13 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I  applied for a credit card from Wells Fargo on  line and was approved within a minute. On     XXXX   XXXX   XXXX       I received my credit card. On   XX/XX/XXXX  morning I tried to activate my card on line which was de clined mentioning that my social security number did not match the card account number. I  called the phone # on the card to activate and was forwarded to another telephone #. I was told that there was a block on my card and the card was close d. The card was closed even though I had not yet activated it. I asked for information about the block and I was told she did not have information. On the  XXXX  afternoon I called again with the intention of talking to a supervisor. I talked to someone called  XXXX   (?  ) who told me that I had to go to a bank and have a bank vice-president certify and vouch for my   authenticity. I asked him if it was a common procedure at Wells Fargo and he said no. He was unable to give me reasons why I was selected for authentication.
My complaint about Wells Fargo is selective discrimination in their treatment of card holde  rs.

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 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint has acted with gross negligence and gross incompetence in dealing with my foreclosure avoidance request. They are also in violation of CA anti dual tracking laws by processing a forelcosure while at the same time processing my short sale request. At issue is the fact that for more than an entire month Shellpoint kept asking me for financials which were not required because borrower was deceased. I provided power of attorney and I also provided transfer of deed which negated any need for estate docs yet they were not competent enough to know that. They kept asking me for docs that were not needed and illegally pursuing a foreclosure sale date at the same time. Due to their negligence and lack of knowledge for something they are being paid to service they ate up my time and now there is a sale date to their own fault in 3 days. This is not acceptable under any circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: NC

Complaint narrative:
I received a letter from  XXXX   XXXX  on  XXXX  saying that they would remove all  XXXX  accounts from my credit. It is now  XXXX  and they are still on there. i have enclosed the letter they sent 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 explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am the co-signer on my son 's student loan. He is currently in the process of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   with the  XXXX   XXXX . His statement was sent to me with a coversheet stating that his mail is undeliverable and that they updated his account with my address. When I attempted to call and have his address updated, I was told that they would not update the address on his account without speaking to him. This makes absolutely no sense as they changed it to mine with out his authorization. I advised that he is currently training for his  XXXX  to the  XXXX   XXXX . I was told it did not matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted Transunion,  XXXX , and  XXXX  on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

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 2017-06-13 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
OnXXXX 2016, my Mercedes Benz lease was transferred over to someone else. I received all the letters from MBFS saying that the process has been finished. After numerous times talking with MBFS they agreed to remove the account from my credit report, it has been removed from my XXXX credit report but it still shows as open with XXXX, i have not been able to force XXXX to remove it because MBFS simply does n't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a student loan wi th Wells Fargo. It  is winding down but I still have an outstanding balance. I regularly receive letters weeks after they are dated and have had months where statements do not arrive at all. Due to this, my wife and I have setup automatic payments from my bank. This loan 's monthly payment does change at times, usually in the $  XXXX  range each month, so we have instructed our bank to send in {$40.00} monthly. We have confirmation that this occurs. Apparently, one month the payment changed to {$40.00}. Rather than call me a single time , Wells Fargo considered it a late payment and reported it to the credit bureaus as such. T his is the second time since  XXXX   ( which, before we started sending automatically and when a payment was lost by Wells Fargo ) in which they have reported my account 30 days delinquent. This is dropped my credit score  by a  XXXX  points. This is reprehensible conduct.

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 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I received fees on an account that I do n't use often. I was n't aware of the overdraft fees and as a result, I was charged an initial overdraft fee for the charges and then a {$7.00} fee everyday after that. The initial charge that caused the overdraft {$35.00}, but my balance with all the fees is {$230.00}. I have spoken to the bank and stated I would pay the initial charge as well as the overdraft fee and was told they were n't able to. I was also informed that if I did n't pay the fees, they would charge off the account and it would affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
<P/>
The info from the email I was sent included contact info ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa 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