vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is notice that on or about XX/XX/XXXX, a call was placed to the US Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of 1933. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020, I did receive an e-mail from TD Bank ( XXXX XXXX  ) saying my checking account was in a lower balance on it. By XXXXXXXX XXXX. I did make a transfer from my savings account to fix that, nevertheless, on XX/XX/XXXX they charged my checking account with a {$35.00} fee because of an overdraft. 
I do have a linked account, a direct deposit and if it's wasn't enough, some lawmakers did suggest institutions like banks do not charge any fee during these difficult times of pandemic. Please, take note that the time between the transaction wasn't more than 20 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased some items from XXXX and paid with my XXXX XXXX Credit card through Paypal. The items came up to XXXX in total. The items was supposed to be delivered in different boxes by XXXX  and XXXX. The box that was supposed to be delivered by XXXX was left outside by the door and or misdelivered. I never seen the items in that box that amounted to XXXX The rest of the items was delivered to me successfully. I then called XXXX spoke to XXXX and she credit me in the amount of XXXX for some of the items in that box but not all. She could not refund me the full amount of what was in the missing box because " There is a certain Limit of what she can refund '' she suggested I called my credit card company and file a dispute. I called XXXX XXXX and asked them to chargeback XXXX only for the items I did not receive I had already included the XXXX refund from the XXXX. There was a item that i received from the other part of the shipment that I returned to XXXX and received XXXX refund. That refund was also not included in the chargeback. A few months later I get a email from paypal that because of the chargeback I initiated I was double credited in the amount of XXXX and that paypal would limit my account until I paid amount to remove that limit from my account. I had a hard time calling paypal because of the pandemic, So I sent online messages and uploaded correspondence to paypal trying to show them that I indeed did not owe XXXX. I called on XX/XX/XXXX and got a response that the amount owed was sent to paypal internal collections. I again sent statements proving to paypal that XXXX XXXX only charged back XXXX and not the full XXXX. They finally closed my account today and claim I still owe paypal XXXX XXXX. I can no longer send them a message in regards to my account or balance or use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent Equifax numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to report the accounts after receiving documents showing they are inaccurate. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Equifax numerous times. Attached are the proof as well as the letters sent to Equifax showing they failed to delete these accounts for inaccuracies. The dispute letter sent on XX/XX/15 was never even responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
XXXX-Mohela over paid my student loan with XXXX in the amount of {$1100.00} XXXX  stated they sent the credit back to XXXX-Mohela, however, XXXXMohela has only allocated {$500.00} to my account, resulting in a balance owed to my account in the amount of {$680.00} XXXX-Mohela has asked that I work with XXXX to get the appropriate information, however XXXX will not release the information to me directly as the credit check that was sent to XXXX-Mohela includes other individuals. 

XXXX is willing to work with XXXXMohela, but XXXXMohela needs to contact XXXX directly for the information that they need.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
On XX/XX/2020 I received a notification that XXXX XXXX XXXX XXXX XXXX had an inquiry on my credit report. I have tried to call the numbers associated with that and no one will ever answer. It tells you what called you are and how long he wait is and you sit on the phone for 45 minutes and no one ever answers. The company seems like it is something to do with small business loans for relief with Coronavirus. I do not have any kind of small business nor have I ever. I have tried to email 2 different  emails addresses also and I have gotten no response. I want this inquiry off. It is not mine and I have been struggling to get the inquiries and my credit back and this doesn't help me. I tried to call Experian and dispute it, but they told me they can't do anything until they get something in writing from the XXXX XXXX XXXX XXXX XXXX and I can't get that if no one will acknowledge my concerns.

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
In XXXX of 2018, Ditech Financial requested a homeowner 's insurance declarations page from our insurance company XXXX XXXX. XXXX XXXX  sent them the wrong page that included more than just the home portion of our farm policy. Ditech paid on that XXXX page which was substantially more than necessary. This threw our escrow account into a negative balance and caused our house payment to skyrocket. When I finally realized what had happened we tried many times to get this situation rectified all while continuing to make our normal house payment. It took 2 YEARS for them to fix this. They assured us many times that it would get fixed in a timely manner and because Ditech declared bankruptcy in the midst of our dispute we were lost in the mix many times. It was nearly impossible to talk to anyone who could help. Our home was even thrown into foreclosure! 
When we finally got things fixed they assured me that they would rush letters to the 3 credit bureaus so that the negative marks on our credit would be corrected. They still have not done this and I can no longer get anyone to help me because they sold our account to another mortgage company during their bankruptcy. Our business and our good credit have been negatively affected by their mistake and they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have tried with u all about this debt it comes back as accurate no it not I never took a car from them never did its name is Chrysler capital. Here Im asking u to take it off my three credits report bc its not my debt. I demand this debt out of my credit or else Im suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 last week. I had confirmed with the bank. I don't have no collection or balance that prevent of me to open an account. 

However when I trying explain the bank doesn't accept it and still not able open account forever? 

The bank refused to assist me. Even after the letter I got from bank. They aren't cooperate me to insisted to open an online bank account only. The problem is they won't do anything to open an account even if I knew that I don't own, any balance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Due to a previous Fraudulent account, an incorrect address is showing up on my credit report. 

The Address reporting incorrectly is : XXXX XXXX XXXX XXXX, WY. XXXX My CORRECT current address is : XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX My PREVIOUS address is : XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Please Remove the incorrect address from my credit report. 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 explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
A coalition of attorneys, announced on XX/XX/2020, a settlement with Santander Consumer USA Inc. ( Santander ). The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. Santander has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient ( Sallie Mae ) was presented with a cease and desist in XXXX that was illicitly processed by XXXX University ( XXXX ) in California in XX/XX/XXXX. I tried over several years to have the loan dismissed as XXXX processed the loan application as part of the initial application packet without my knowledge and failed to inform me that the loan had been processed. When I received the invoices from Sallie Mae it was too late to cancel the application with XXXX XXXX as they had a 7 day rule cancellation policy. After several years of trying to work with Sallie Mae and never attending a single class at Sallie Mae I sent a cease and desist to Sallie Mae stating that the loan was fraudently processed by XXXX and that I had never attended a single class. The cease and desist stated that unless Sallie Mae intended to take me to court over this matter to cease and desist all attempts to collect the debt. As of today, XX/XX/XXXX I received a phone call from a debt collector ( XXXX ) stating they were trying collect a debt for Navient, referencing the same XX/XX/XXXX debt mentioned above. I informed the company that called that a cease and desist was in place and that I didn't want to receive any further contact from them. They stated they would comply. This complaint is against Navient for their pursuit of this matter, and obvious disregard of the cease and desist request and the over 20 yrs of time that has elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: WA

Complaint narrative:
I entered the Public Service Loan Forgiveness program about 6.5 years ago. My loan amount that was transfered was XXXX XXXX.They placed me in the Income based repayment ( IBR ) plan. From XXXX to XXXX of XXXX, I paid {$300.00} a month for student loan payments. In XXXX of XXXX, my payment jumped to {$550.00}. I called and complained. I was told that this was part of the forgiveness program repayment. I asked it they have a better plan that did not charge as much. I was told that this one was the most flexible.This went on until XXXX of XXXX when they jacked it up again to {$610.00}. I called and complained, again. They stated that if I fill out the IBR form to recertify, my payments would drop. I filled out the form and it took until XXXX to reduce it down to {$480.00}. At this time, I noted that my loan balance was {$48000.00}. In XXXX of XXXX, the payment went up again to {$520.00}. They raised it again in XXXX of XXXX to {$570.00}. It was explained to me when I entered the program that it freezes the interest and you pay down the principal balance so you basically get the interest forgiven.Looks like I am not getting even that. I have paid them {$34000.00} so far and yet I still owe {$36000.00} .The new recertify form is stating that my payments are set to go back up to {$600.00}. I have done the math, at this rate I will have paid off the loan with their repayment plan. In which case, there is NO LOAN FORGIVENESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover calls everyday at least 5-10 calls per day ... sometimes twice per hour. This is harassment at its core. But I have asked them to stop yet they continue so it is now illegal and I am asking for your help to make them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
We began the refinance process in mid XXXX with Chase. The broker promised a low rate with little or no points. The initial disclosure attached reflects this. We had multiple conversations with this broker he had a different story every time we spoke. We did understand that some information would change. But he blatantly lied. We ask that our rate be locked verbally in a phone call with the broker and he verbally told me it was locked while I could hear him taping away on the key board. I assume for effect. He later then told me that no it wasn't locked and that there was a glitch with their computer system XXXX I have a phone recording I can provide ). He promised to work with us to lock in a lower rate and reduce the costs of the loan and that he would check the market daily so that we could achieve the best rate. After sometime, it was determined that an appraisal was needed they then hired an appraiser and only authorized an external inspection of the property and only completed one method of the normal three methods to determine property value while also cherry picking recent sales. The appraisal doesn't include the value of a detached accessory dwelling that is worth at least {$30000.00} dollars. I believe they influenced this appraisal to achieve an end objective which resulted in much higher closing costs and rates reflected in the attached updated disclosure. We felt pressured to pay the {$500.00} dollar application fee by the broker initially because " he claimed that he couldn't lock in the rates until we paid the fee ''. Then as stated above claimed that the rate wasn't locked in because of a computer glitch.

Company response to consumer: Closed with explanation