vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 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: KS

Complaint narrative:
I emailed Navient about my loan which I started paying back in XX/XX/XXXX. The original loan amount was {$6700.00} and now, 10 years later, my loan amount is still {$5900.00}. I make my monthly payments and after 10 years of paying it is still that much? So, after emailing them, I got a response in the form of a letter. My middle initial was wrong, my loan number was wrong, they said that I defaulted on two loans in the year XX/XX/XXXX, which I was in the 6th grade in year XX/XX/XXXX, and they say that they no longer handle my loans. They are telling me that my loans are now being handled by XXXX XXXX XXXX XXXX and my information is no longer on Navient.com. I am able to look up my information on Navient and I have been making payments on Navient.com. Please advise me on what to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XXXX our mortgages were transferred to Nationstar from XXXX XXXX XXXX. Our first mortgage was transferred during trial modification. Our second mortgage was transferred several months later. Our first mortgage is current and still serviced by Nationstar/ Mr Cooper . Our second mortgage has been charged off by Nationstar/ Mr Cooper and XXXX is currently attempting to collect the debt. 
We have written to Nationstar to have them explain the multiple fees added on to our account that we do not understand or that just have no explanation. Our mortgages have gone from {$88000.00} and {$22000.00} in XXXX to {$110000.00} and {$27000.00} today. After 13 years we now owe {$26000.00} more than we started with.Nothing that we have paid in 13 years has decreased our mortgage. We have never refinanced or taken loans against the property. The increase has been through fees during modification and foreclosure. We have sent a QWR to Mr Cooper. We were sent a basic print off without any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: FL

Complaint narrative:
Transaction submitted twice by ( XXXX XXXX XXXX ) hotel on two different dates for two seperate amounts for two seperate rooms. The valid transaction for XXXX and the faulty charge for XXXX. I called hotel first on XX/XX/XXXX when transaction was pending, told to call my bank. Filed dispute/claim with my bank ( US BANK ) XX/XX/XXXX after transaction posted, bank submitted provisional credit after 10 days. Bank withdrew provisional credit months after, claiming to attempt to get ahold of me for further information. I never received a letter and had a new number at the time. No secure e-mails or anything in regards to the transaction. After going over statements I noticed the discrepancy of XXXX being withdrawn and was told I was outside of the window for dispute for the claim even though I had receipts for my stay and for the location I stayed at during the second charge. I was told to take the hotel to small claims court or call Visa by my bank. Visa doesnt handle issues with financial institutions because they dont withhold information of transactions. I called the hotel back and they submitted a refund for the full amount to a closed debit card. I have a receipt for the refund however upon calling the bank they still havent received the refund/credit to my account. I would just like to get the appropriate funds credited back to my bank account so I can move forward with my life. This situation has caused a financial strain on my life and should be resolved.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased a phone with XXXX Store Financing ( Synchrony ) on XX/XX/19. XXXX advertised I could make the minimum payment ( $ XXXX/month ) for 24 months and not be charged interest. 

Under the same account I bought a XXXX XXXX XXXX for {$250.00} on XX/XX/19. I assumed the same terms applied to this purchase. Since I signed up for auto-payment and paperless billing, I was not reviewing account activity. 

Recently, I was charged {$45.00} in interest that I was told was the accrued interest for the XXXX XXXX XXXX. This translates to 17 % of the principal that I was charged over just 6 months. Apparently, they had signed me up for a 6 month deferred interest program without my consent or acknowledgement at the time of purchase. 

Balloon payments like these need to be expressly advertised at the time of purchase. This is the definition of predatory lending. Had I been aware of these terms, I would never have made the purchase.

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 monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AS

Complaint narrative:
This is about my Walmart mastercard. When capital one took over the walmart mastercard for  XXXX, I went and set up my online access so I can continue to pay my card online. This was in XXXX of XXXX ... ..I had made some purchases on this card around that time ... so then in XXXX I tried to access my account to see what my balance was and to set up my auto payment I could not access my account. I called Capital One and they required me to send documents to verify my identity through a link they sent me through email ... So I did, I sent a photo of my SS, my passport, drivers license, and military ID. I even updated my phone number with them. No phone call from them at all. After a month I tried to access my account online and same thing, I couldn't. I called them again and they said that I had to send my documents again through the same process and so I did again ... .waited for a phone call again ... .nothing ... I called them again and I was told that they are still looking into it ... but they expected me to still pay for my account and yet I can not see or access my account. I have called them numerous times and was told that I have to wait ... So today XX/XX/XXXX I called again because they never called me or sent anything through mail, just a reminder that my bill is overdue, when I called today they said my account will remain RESTRICTED because my documents weren't good and they won't require any more documents from me but I still can pay for my balance ... .CAPITAL ONE has the worse customer service I have ever encountered ... XXXX did require me to send documents through the same process but because they said it was not clear they required me to sent through mail copies of my ID 's ... .and within a month when I called they said I was cleared ... Capital One never called or even tried to work with me in getting my account verified ... ..Why couldn't they check with XXXX  about my account? ... I had autopay with XXXX and my account was paid on time ... I was trying to work on my credit after falling on hard times and now Capital One has messed up my credit score ... I refuse to pay over phone ... I want to see what I am paying and I want my Walmart credit card back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This is not a duplicate complaint, but is an additional complaint to XXXX with additional documents that are material to my dispute with American Express for continuing to report inaccurate information on me to the 3 major credit bureaus. 

On XX/XX/XXXX, American Express responded to me in a letter in reference to CFPB Ref No XXXX. 

In their reply, American Express stated that they were " obligated to report factual information to the credit reporting agencies. '' The letter to me ( attached ) noted that the company, American Express, received a payment of {$530.00} on XX/XX/XXXX and that my account status was " updated on XX/XX/XXXX. This payment reflected our agreed upon settlement. ( see attached ). 

It has been 5 moments, since this payment was submitted, processed and cleared. And over 4 months since I received their notice that the credit reporting agencies have been notified. After several disputes initiated by me to ask for incorrect reporting re this matter to be updated, based on our agreement and their letter, American Express has either incorrectly reported a balance of {$810.00} to all 3 major credit bureaus, even though their reply to CFPB states " your account statuses were updated ... '' and " settled the account/s as agreed upon.. '' The letter was signed by " XXXX XXXX '' , Customer Advocate Services Team '' on XX/XX/XXXX. 

In XXXX, American Express reported a net income of approximately $ XXXX. I can not understand why they would violate an agreement we had, accept my payment of {$530.00} as settlement and still report that I owe them a balance. By their own admission they have reported inaccurate information in spite of telling CFPB the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I contacted the company in XXXX and early XXXX seeking a way to work things out. 

I was informed by XXXX seeking to cut a deal with me to buy the home that it was in foreclosure and a sale date was set up. 

PHH says that an attorney sent me a demand letter but I haven't ever got a demand letter. 

I sent in a complete package to PHH by fax on XX/XX/XXXX and asked them to consider a forbearance or workout plan as for I have a contract closing in XXXX/early XXXX that will pay the loan current. 

I spoke with XXXX XXXX, a relationship manager, on XX/XX/XXXX and told him about a PHH letter to me on XX/XX/XXXX that I got in early XXXX. 

The letter says they have to look at all options with complete data by XX/XX/XXXX. 

I'm afraid the lost letters from an attorney, the timetable PHH gave me, and a time to cure the deficiency will case me to lose my home to gentrification. I've been a homeowner for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: LEXISNEXIS
State: OH

Complaint narrative:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS US BKPT CT IL CHGO XXXX not mine

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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I sent a debt validation letter to Waypoint Resource Group on XX/XX/2019 via certified mail. On XX/XX/19 they received the letter. They had 30-45 days to respond to me in which they have not, and it is still reporting on my credit. I asked for proof of this debt and can not get any resolution. They are reporting that I owe {$780.00} but I dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a police report of a burglary which resulted in my identity theft back in XX/XX/XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XX/XX/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 2020-01-20 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: TX

Complaint narrative:
I informed the company the status of my payments. I made a lump sum payment bring my account status to " current. '' They incorrectly reported my account to Equifax as being " past due. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
We leased a new BMW with XXXX BMW in XX/XX/XXXX. We have leased many cars from BMW in the past. Every car we have leased comes with the free scheduled maintenance for the duration of the lease, in this particular case, three years. We were never told otherwise at the dealership. Recently on XX/XX/XXXX, I brought my car into BMW XXXX, XXXX XXXX for an oil change which is covered by the lease maintenance but was charged XXXX for the oil change. I asked the service advisor to clarify and he stated it was a recent change in BMW dealerships. I asked him why would this affect me if this was not disclosed at time of lease but there was nothing he could do about the charge. I unhappily paid the charge and contacted BMW North America. I emailed and got a response stating this was always BMW 's policy as to which I responded then why would the service advisor tell me this was a recent change. BMW then contacted me by phone and left a voicemail to call them back. I have called back twice and left messages for XXXX, the escalations rep at BMW that contacted but have not heard back. I should not have to pay for something that was not disclosed at time of lease. I interpret this as less than an honest way to do business. They do not return my calls in hopes I do not go through the trouble to follow up. But here I am taking time out of my schedule to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Since around XXXX I have been requesting Wells Fargo to stop charging me added on insurance and to refund amounts that I paid on my auto loan that was due to be paid off in XXXX. In XXXX, after making payments for nearly a full extra year after the loan maturity date, I did not pay the remainder that Wells Fargo said was owed. I had disputed the insurance fees for years and they ignored me and I refused to pay the final amount. Wells Fargo kept my car title and charged off my account remainder. The charged off amount has been affecting my credit ever since. In XXXX I paid the charged off amount in order to get the title and change the credit report to paid in full charge off. In XXXX I became aware that there was a class action suit against WF for the insurance charges. I contacted Wells Fargo several times and they just kept telling me that they were looking into it. In late XXXX I received a request for proof of insurance. Also, in late XXXX, I received a check for {$18.00} with an explanation that it was a reimbursement owed. This is not an amount that even covers what I paid in bogus insurance fees. My credit report has been severely affected by all this for years. In XX/XX/XXXX my credit score dropped 20 points due to WF reporting my account as bad debt placed for collection. I am currently attempting to obtain an auto loan and preparing for a mortgage so this credit score drop is preventing me from doing either.

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 2020-01-20 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: GA

Complaint narrative:
I am writing this due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have a charge off that is on that have no knowledge of. I have disputed this numerous times we no resolution.

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 2020-01-20 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: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I have a charge off that is on that have no knowledge of. I have disputed this numerous times we no resolution.

Company response to consumer: Closed with explanation