vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On  XXXX   XXXX ,  2017  - I received notice from  XXXX  that  my IBR re newal had been processed ( based on the IRS online tool I use every year ) and that I owed {$0.00} a month, despite my income increasing by 30 %. I called them and apparently the IRS had reported my taxable income as  XXXX . They forwarded me paperwork immediately and I faxed it to them on  XXXX   XXXX . It was processed on  XXXX   XXXX , correctly, e xactly two  weeks later. My experience with them was simple and excellent.     I also faxed my informatio n to Navient t hat same day,  XXXX   XXXX ,  2017 , as I assumed the same thing happened with them. I called them and they confirmed that they had recieved my paperwork and were processing it. On  XXXX   XXXX     2017  I recieved a notice that my new payments for the year were again  XXXX . I contacted them via chat and they claimed they never received my faxed paperwork, but if I uploaded it today it would be processed wit hin 5-10 minutes. I called 20 minutes after uploading my information and they claimed they had received it, but that it would take more than 2 weeks to   process.     I am deeply concerned that this will affect my Forgiveness program or set me up for legal action later taking the blame for a mistake th  at Navient made. Given the recent lawsuit, this sounds pretty typical on their behalf. I 'm also concerned that this has happened to other borrowers who submitted their paperwork and simply relieved at the lower payments, and never thought to check further, putting their trust in Navient.
I still do not have my problem resolved, so I wanted a record of the situation submitted to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
birth year is wrong, i was born in   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 non-monetary relief
Consumer complaint received 2017-05-27 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: FL

Complaint narrative:
Upon being denied by a creditor for " too many inquiries '' from my Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my  XXXX  and Transunion that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason : Transunion  1.  XXXX   XXXX   XXXX     2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   8.   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   10.   XXXX   XXXX   XXXX   XXXX   XXXX  11.  XXXX   XXXX  12.  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: FL

Complaint narrative:
Upon being denied by a creditor for " too many inquiries '' from my  XXXX  report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my Equifax and   XXXX   that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason :   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX  5.  XXXX   XXXX   Equifax 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX  8.  XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX  10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.   XXXX   XXXX   12.   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is to inform you that Equifax has failed to respond to my inquiry dispute letter that I sent certified mail on  XXXX   XXXX ,   XXXX  . As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to th e USPS,  Equifax received my dispute letter on  XXXX   XXXX ,   XXXX  .     Please remove the following inquiries from my report as pursuant t o 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connec tion with a credit or insurance transaction that is not initiated by a consumer.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: CA

Complaint narrative:
Santander Consumer USA is reporting t o the credit agency that I am late each month and I am not late. They are reporting that my loan payment is more than what it is. I have try to credit this and the credit agency will not credit it.  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: MI

Complaint narrative:
birth year is wrong, i was born in   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
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I just applied for an application online & it states that 's it 's a secured website & it asked for all my information such as social security bank routing & account number & I called my bank already discusse d the information & I was also told to report them but I got an email saying to log into the account to check the sta tus of my loan & gave me a temporary password I tried to log in with the password given & was not able to I read all the reviews & they also had complaints about this website   XXXX    same situation could n't get a hold of them & or trying to log into the account they provided I just want to stop my application now because of the past conflicts along with all the information they required before " being approved '' im hoping I would n't have to change m y social & account  information but will do  ..  due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent  XXXX  a letter demanding they send me what proof they have showing some accounts on my credit report and how it was reported that I owe these accounts other than just a social security number, name and date of birth.  XXXX  has refused to send me any information on this. I have filed this under Sectio n 609 ( A ) ( 1 ) ( a ) as well as my rights under section 611 of the  FCRA. A letter was sent on  XXXX / XXXX /   2017. Ins tead of doing the investigation and sending me the required documents that I ask for they have claimed that I need to basically stop bothering them over this.

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 2017-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
These debts are not mines. They are being falsely reported to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: KY

Complaint narrative:
Company took there truck back as a LEMON after I only had it two weeks . This should not be reported on my credit as if i didnt pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This is a new compl aint of bad faith and fraudulent banking activities by Wells Fargo Bank Home Mortgage relating to a Wells Fargo Mortgage Backed Security. Despite this circumstance I had tried to act in good faith to pursue a short sale resolution. I have been acting in good faith to complete a short sale with Wells Fargo bank and during that effort they scheduled a foreclosure sale date while we were making significant progress toward resolution. They are and have been acting in bad faith in response to my good faith efforts. I had fully engaged in the short sale process and had secured a qualified buyer of the property. We were in the process of negotiating a purchase, they responded by stalling the process, through an unnecessary three we ek delay in responding to our counter offer, and then saying sorry your house is being auctioned and now we have no time to process a new offer. They said you can try but we can not change the sale date from  XXXX   XXXX  at  XXXX . My question is if they are interested in changing their abusive, near predatory, internal policies WHY can they not extend the sale date for at least a few weeks to see if I can respond with an acceptable offer. At this point we are in full agreement that the price would need to {>= $1,000,000}.   Why ca n't they work with their customers and do the right thing instead of continuing their inappropriate business tactics. CHANGE THE SCHEDULED SALE DATE!!   This has been going on for over 10 years which began with my investigation and confirmation of fraudulent mortgage lending p ractices. ( T he report from  XXXX   XXXX   XXXX  has been submitted to them with full supportive detail ). I would resubmit that contention as part of this complaint and will be reaching back out to  XXXX   XXXX  to update that analysis.

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 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I recently received a recent copy of my credit report and I am stunned to find out that this company has placed false information on it. I am very stunned to see  XXXX  open accounts that this company is reporting to the credit bureaus totaling {$19000.00} therefore I am demanding VALIDATION and HIPAA authorization.Under the law I am allowed to protect my privacy and medical records from third parties. I would like to see an actual contract between me and this company. One that I actually signed and that they actually signed as well NOT some bill or computer generated statement with my name and their account number on it. I would also like to see proof of monies given to me with an accounting of every cent used, every cent paid, every bit of interest applied, and the date any of those events occurred. I imagine you can understand my frustration in trying to resolve this issue considering this company never contacted me via phone or certified mail if this debt is indeed valid and indeed is mine. This is my next step because I 've tried to resolve this issue via the credit bureaus and BBB but to no avail

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 2017-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion  LLC   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  The following are credit inquires that should not be listed on my TransUnion credit report. I never authorized these companies to access my credit report. I have never heard of these companies. I have contacted customer service for each of these companies and they refuse to help care of the negative inquiries reporting to your credit report That I did not authorize. I also contacted TransUnion and customer service refused to help. I was told by TransUnion to contact the companies even after explaining that I have already contacted each of these companies numerous times.  <P/> Date :    XX/XX/XXXX   Co mpany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Phone # : (  XXXX  )  XXXX  Date :    XX/XX/XXXX Com  pany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX  Date :   XX/XX/XXXX Co mpany Name :  XXXX   XXXX   XXXX   XXXX .   Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  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
Consumer complaint received 2017-05-27 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: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

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 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

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 2017-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

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