vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     Thank you.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In   XXXX   XXXX     I paid a bill with my  XXXX  debit card at  XXXX   XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the  PNC logo that was  a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with  XXXX   XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM.    .   I called the number on the back of the  PNC issue d debit card (  XXXX  ) and it connected me to a representative at   XXXX   XXXX   XXXX    .  The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from   XXXX   XXXX   XXXX   that was prohibiting me from removal of the cash balance presented to me by the  PNC ATM.    The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my  XXXX  ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive.     i want the fee arrangement between  XXXX   XXXX  Indiana,  PNC a nd  XXXX   XXXX   XXXX  investigated and I want my funds returned without the charged fees to access and retrieve my own cash..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CT

Complaint narrative:
Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: DISCOVER BANK
State: IN

Complaint narrative:
I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: SD

Complaint narrative:
On  XXXX   XXXX   XXXX , I went online to find a Finance company  and chose New American Funding,  I paid the {$650.00} appraisal fee and was than told " they could not find a n appraiser that would drive out this far. '' I told them that was odd since I was only 28 miles from the largest city in the state and sit in the middle of three major towns. Then they told me that the apprais al fee had gone up to {$1000.00}, I protested this, changing the price after the deal was done and paid for already, so they said the extra would be added into the loan. At this point I said OK lets just get it done. On  XXXX   XXXX ,  XXXX  they finally did the appraisal, Then at the end of  XXXX  I was informed  that the appraiser was not certified to do the type of appraisal they needed and that a new appraiser had to go over it and sign off. Unfortunately no appraiser wou ld sign off so a new appraisal was done, that was done on  XXXX   XXXX ,  XXXX  if memory serves me correctly. After that I kept calling and was told that it was sent in for approval and it would be any time now. Since then it has been and endless string of phone calls and emails with nothing happening. The first loan officer  XXXX   XXXX  turned my loan over to  XXXX   XXXX  after I first mentioned I was considering contacting you people, he than told me they needed more information from me, even though  XXXX   XXXX  had assured me that I had done everything needed and it was only a " paperwork hold up '' but any way had had the papers emailed to them with in a few hours of the request. That was  XXXX   XXXX ,  XXXX . On the  XXXX  I informed them I would be on vacation from the  XXXX  of  XXXX  to the  XXXX  of  XXXX  but that I would have my phone and laptop with me so I could be reached at any time.  XXXX   XXXX  called me on the  XXXX  of  XXXX  and said he expected to hear some thing any time now The file was sent to an underwriter for final review on the  XXXX  of  XXXX . And here it is  XXXX   XXXX  and I have had no word of any kind. I have repeatedly told them how frustrating their lack of communication is and I do n't know how to proceed. Any help would be Appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I received a loan  with One Main Financial in   XXXX . In  XXXX  I became very ill and was unable to pay on time. In  XXXX  of  XXXX  I spoke with  XXXX   XXXX  from  XXXX   XXXX   XXXX   XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on  XXXX   XXXX ,  XXXX . All payments were made on time, so I thought. On  XXXX   XXXX , at  XXXX  am I received a call from  OneMain  regarding my account. I immediately looked at my account records and noticed my  XXXX   XXXX  payment was not taken out. I contacted  XXXX   XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd  XXXX . I spoke with  XXXX   XXXX  on  XXXX  and was to fax the settlement agreement to her. I did this and the payment was taken out on  XXXX .     I pulled a copy of my credit report yesterday. On my report,  OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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 — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NV

Complaint narrative:
I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.

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 2017-04-25 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: IL

Complaint narrative:
There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have a collection on my credit report from  XXXX . The original creditor is listed as  XXXX   XXXX   XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello and Good Afternoon, I am reporting this to see a change how credit card companies/banks applied payments every month to their account holders. I have  Wells Fargo Ban k credit card for more than a decade. As per banks and  Consumer Finance Protection Bureau policy, the last c hange that was made to protect the consumers is applied payment to higher interest rate account.     I have purchases worth {$1600.00} on the the credit card with minimum amount of {$28.00} due this month. I am willing to make {$300.00} payment. I am not sure if I will be able to make payment next month toward the remaining balance. In order to secure next few months minimum payments, I would like {$300.00} applied to next 5 months. This way I will secure my minimum payment for next 5 months. Also, the in this process, my principal balance will be reduced immediately. If the bank/credit card company would allow this, then I will be saving late fees, insufficient fund fees etc.     I have called them to make payment arrangements for next several months ; however, credit card company 's policy would not allow this change. {$300.00} can be applied to principal balance and I would still responsible for minimum payment following months regardless of my financial resources. Also, if the payment is not made or return, there will be additional charges and fees. I hope to see this change to avoid late fees and other charges resulting me of financial help.     Sincerely,  Consumer Activist

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 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.

Company response to consumer: Closed with explanation