vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: FL

Complaint narrative:
Took me off automatic billing so that interest would build up and they would be payed more in the end. They should not stop auto pay unless I ask them too!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC.  They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. 
When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. 
I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. 
Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. 
I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Castle and Cookie Mortgage LLC
State: TN

Complaint narrative:
The Castle & Cooke Mortgage Co denied the loan and never send the paper work to FHA due my legal status, they said I'm not qualify for buying a house, they told Mr. XXXX XXXX contact me a 1 month ago stated that in order to buy a new house I need to sell the current one, so I sold my because he told me that everything will be ok but 3 days before my closing for the new house he denied my loan due I'm not a citizen, this is descrimination I have to expend money that I never have to use due his acts, XXXX XXXX approve my Loan in less the 3 hours, I bought my house trough them. 
Castle and Cook Mortgage start with illegal questions about inmigration, I'm legal on USA since XXXX, and I bought my first house on XXXX, this is not a good company to do business with, I lost more then {$3000.00} due this guy because just 3 days before we closing he decide not to follow the process. SO HOW IS POSSIBLE THAT XXXX XXXX APPROVE THE LOAN IN LESS THAN A DAY AND CASTLE & COOK TOOK MORE THAN A MONTH TO DETERMINATE TO APPROVE MY LOAN, THEY MAKE ME SELL MY HOUSE AND PROMISE THAT EVERYTHING IS OK AND CHANGE EVERYTHING IN THE LAST MINUTE, THEY DUE THE SAME THING WITH OTHER 2 XXXX IN THE SAME MONTH, PLEASE INVESTIGATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 - Wells Fargo allowed a non-federal entity ( XXXX XXXX XXXXd XXXX ) a law firm for an HOA to place a hard hold on my checking account. This has caused grave and emotional stress as I use this account to pay all my bills. 

I tried addressing this matter with the bank and have not reach any success. Under banking rules and laws ; holds are only allowed by federal government agencies - in which the current vendor requesting a hold is not a federal agency, its a HOA law office. 

On XX/XX/2018 - all monies placed in my account were wiped out causing even greater harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 



I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 
You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 

XXXX Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX {$300.00} payment told verbally that it delay XX/XX/XXXX!!!! 
XX/XX/XXXX {$500.00} payment has cleared but the card company has once again put my payment on hold with no explanation. They now have stolen {$500.00} for their use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2018 under reference numberXXXX I applied for a credit card account with Chase. I was notified by chase that they needed verification of my identity so I sent them a copy of my Florida drivers license and social security card. I even called Chase to verify receipt of those items. I explained to Chase that I recently sold my home on XXXX XXXX in XXXX XXXX Florida and bought a new home on the beach in XXXX XXXX Florida. I informed Chase that this information could be verified through the XXXX County Property Apprasierss Office for the XXXX XXXX XXXX address and the XXXX County Property Office for the XXXX XXXX XXXX ( new ) address. Chase ignored all information provided to them and lowered my credit score with their inquiries. Chase then sent a letter to my old address even though they were given proof of my new address. This is NOT my first run in with Chase in applying for a credit account. Chase has a strong history of discrimination and violating the Consumer Credit Protection Act. I have several files on this. I applied with Chase about four years ago and they discriminated against me back then while they were accepting government bail outs and building new bank branches all over the USA with that bail out money. I applied for an interest free card with them recently. I can be reached at my home address of XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX or you can contact me directly at XXXX or you can write to me at my p.o. box at p.o. box XXXX XXXX XXXX Florida XXXX. All of this information is ON my credit report and available to Chase. Chase has a history of discriminatory practices related to me and will result in federal litigation being filed against them. But first decided to contact this agency first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I just received my letter, stating that my fraud issue could not be resolved due to payments were made while the card was in use. And it's common use for whomever to make payments until the balance was high enough that they no longer wanted to make payments. While waiting for a resolution, I received a email stating I had purchased a pillow in which I didn't. Again this happened in my account. So I reached out and chatted with someone so I could have proof of the conversation, that someone in fact was using my account. The only thing is now, it was with a different credit card, and being sent to another address I do no reside at. I have attached that conversation by email in this complaint for proof. I was even told it was canceled and I had nothing to worry about. Within a few days later, I received another email saying the item was being shipped. And I have attached that email as well. I just don't understand how this issue can never be resolved all because someone made payments, when Im stuck still making payments on items I did not purchase. Of course someone is going to pay, when it will affect their credit if they do not pay. That's just common sense, especially when you have been fighting with the company. Then I go to make a payment today, and see more than one card with different balances. How is that even possible? I have attached that proof as well. This is a entire mess, going on. I would like for the request to go higher than just the resolutions specialist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have made arrangements through Credit Acceptance 's attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a XXXX balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from Credit Acceptance 's attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
They are saying I owe XXXX XXXX XXXX. I've never had an account with them. I've tried to get the original contact information but no one has it. They're gon na garnish my check. 

They want me to file fraud information but they wont give me any information on the original account. 

The company name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I returned to school in XX/XX/XXXX. At that this time my student loans that are serviced by Navient went into deferment. I continued to make payments every month on my student loans over the amount of the interest, payments were normally around {$450.00} as to make sure that I was saying ahead on them. I called into Navient and was told that my overpayment would be equally applied ( after interest was paid on my unsubsidized loan ) to each of my student loans unsubsidized and subsidized. In XX/XX/XXXX I was reviewing all of my loan documents as I was ready to come of deferment and realized that Navient had only applied the overpayment to the subsidized loan to that they could keep the unsubsidized loan at as high of an amount as possible to collect more interest on it. From XX/XX/XXXX to present I have had to email and request that all overpayment be put toward my unsubsidized loan so I can even out the loan amounts so I am not paying almost three times the interested on one loan over the other. They implemented an online process that asks where you want the overpayment to be allocated to but even after you select between the options they still only put the amount to cover the interested to the unsubsidized loan and the rest to the subsidized loan and I have to email or call in to get it reallocated. As a company they are very dishonest by not doing what the consumer is requesting and even pretending to put in a program that will help with it but still resorting to their old ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: PA

Complaint narrative:
I have made arrangements through XXXX XXXX XXXX attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a zero balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from XXXX XXXX XXXX attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have tried everything to get a copy of the report stating that they are closing my account and that they have no intention on returning the money in my account to me but, they are telling me their notes are for in house only. I think that is wrong and unfair. I feel I have the right to proof of what they are doing to my account. I still get text messages weekly telling me there is over {$38.00}, XXXX in my account and I also get emails. They are stealing my money. They tell me I need a court order in order to get the report but, they didn't need a court order to steal. Please I need your help to just get the report telling me what they are doing and. If they intend to close the account and return the money to the banks then tell me so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
-Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: TX

Complaint narrative:
I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: OH

Complaint narrative:
I defaulted on three private student loans ( SallieMae through Navient ) in XXXX. In XXXX I was contacted by a debt collector ( XXXX XXXX ) and negotiated a settlement on one of those loans. I am currently negotiating with the same debt collector on the other two. I checked my account balance at Navient 's website and the loan I negotiated a settlement for over six months ago still appears as due with a balance. Worried that I may have negotiated with the wrong party I contacted Navient and was informed that they do not update information for " delinquent '' loans. The operator then identified a different debt collector than the one I negotiated with for the loan and question and could not answer my questions about the legitimacy of the company I was bargaining with. When I questioned how I, as a consumer, am supposed to make informed decisions about my finances when the company that services my loans will not give me accurate information the operator repeated that this was their policy. I have two lawsuits against me by a debt collector that Navient does not identify as the legitimate debt collector for my loan. What am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX/XXXX reported an account on my credit which I never initiated. I contacted them directly and it appeared to be a scam as they were asking for personal details which they would have if in fact such account exsisted. I asked them to submit proof of what I signed or requested, they said they would provide it but never do and now they don't even take my call. 

I contacted the credit bureaus and asked them to investigate and remove this fraudulent item ... XXXX did investigate and remove the item, however Transunion refuses to investigate. I have called them 8 times to ask them to please investigate and they do not. This is item is fraudulent and should no be showing negatively on credit. 

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 explanation