vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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: IL

Complaint narrative:
I disputed unauthorized inquiries on credit repor t on  X/XX/2017  and  X/X/2017 . T he inquiries were not removed, nor did I receive a written response within the required 30   day time frame required by law. Many of the inquiries are duplicate inquiries.
  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     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 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 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )

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 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
I was told to purchase {$200.00} worth of  XXXX  cards and to read the scratch off numbers on the back of them off to them and I would get a loan of  XXXX  dollars refunding me the money for the cards they said they just wanted to get me familiar with the cost of paying the loan back so I did it and then they wanted me to buy {$400.00} worth of  XXXX  cards after that to proceed the final process and being my first time ever doing a loan I did n't know how it worked and not until they asked for the {$400.00} worth of cards did o realize it was a scam and I asked for a refund for my {$200.00} and they laughed and said noo and they sent mee texts and everything saying my loan was approved and it said the name of the company was lending tree and all of this happened on  XXXX     2017  and o was wondering if there was anyway I can get my money back as they left various numbers from which I called them from and they said they were in  XXXX  with  XXXX  and  XXXX  being the primary numbers they used with the managers name being  XXXX  and the other number the mans name was  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / XXXX  I purchased a  XXXX   XXXX   XXXX  from  XXXX  but end up getting finance thru Santander.   My original loan amount was for  XXXX  according to my credit report.   Back in  XXXX  Santander offered me settlement amount due to non-payments and becoming  XXXX   XXXX .   We both agreed if I pay the amount by that specific day (  XXXX / XXXX / XXXX   ),  it will be a "  XXXX  '' balance and deleted from all  XXXX  credits bureaus as paid and closed due to my disable situation.   I paid the settlement offer that same day on  XXXX / XXXX / XXXX  and they told me that they receive payment and also sent me a letter and they told me it will be closed and deleted on my credit reports within 30 days  ( that never happened ).    I been calling them for weeks lately and asking why is this still showing up as a charged off and not being deleted like I was PROMISED.   ALL The representatives that I am speaking too, keeps transferring me to many different departments and representatives, " NOT '' solving the problem and can not answer my questions.   NO ONE seems to have a answer for me, all they keep telling me I NO LONGER HAVE ACCOUNT with  Santander  and that my ACCOUNT IS CLOSED.   So if this is the case, why wont they delete this off my credit report like they agreed to do, and everyone I am speaking too keep telling me the account is PAID AND CLOSED upon their records, but that is not what is being reported on my credit report and the FCRA states its suppose to be true and accurate information on what was agreed between the company and I.   This company is very DISHONEST, RUDE and has lack of customer service skills!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I have disputed this debt with   XXXX   XXXX   XXXX   and debt was dismissed as they were unable to validate account belonged to me as I have been victim of identity theft. It seems as if  Franklin  has obtained the debt, despite it being previously dismissed and account was closed. I have not received any notification fro m Franklin  nor validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: AR

Complaint narrative:
TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: IL

Complaint narrative:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :   XXXX   XXXX   XXXX   XXXX   XXXX  , IL  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 2017-05-18 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: IL

Complaint narrative:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  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 2017-05-18 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: LA

Complaint narrative:
My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: BCA Financial Services, Inc.
State: FL

Complaint narrative:
The collection was paid to the company. Not the collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Genesis Lending
State: CA

Complaint narrative:
I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I 'm about to sell my house ( in fact my closing date is next week ), but I 'm still having problems with m  y Chase mortgage.
In the last two   months as I 've dealt with the various expenses associated with getting the house sold, I 've run into an issue where I need to pay the mortgage a couple days late. When I called and asked for an extension for a couple days they refused, but they told me that if I make the payment late but then call them and explain they 'll waive the late fee after the fact. So I did this in  XXXX  and they told me they 'd waive the late fee and I could pay online. However, when I went to pay online, the system would only allow me to submit the amount that included the late fee. I had enough in my account for the mortgage but not the late fee, so my payment bounced and after some other charges, I had to attempt the payment again later. At which point I got charged another late fee. I wound up having that  one  waived, too, and when this rippled into my  XXXX  payment, they told me the same thing -- to call in when I made the late payment and the late fee would be waived. But they 're now denying that they agreed to waive the late fee, and I 'm worried that trying to contest it will cause problems as the sale is finalized next week.   This is not my first problem with  XXXX  hase -- in fact they sabotaged my credit. A few years ago ( before the CFPB existed, I think ), Chase  was depositing a slightly smaller amount towards my mortgage than what I owed -- I swear I was writing the check for the right amount. Anyway, after a few months of this discrepancy I was behind just a few dollars on my mortgage, and this put me into default!    Chase has been an awful mortgage company. My bad mortgage is why I have to sell my house now, and has been an enormous stress these last 11 years. I would discourage anyone from taking out a Chase  mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My complaint is against  XXXX  and TransUnion. There are liens appearing on both. The liens a re PAID.  The liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with  XXXX .  XXXX  and TransUnion should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  XXXX  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 monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In  XXXX  I contacted my mortgage company at the time,  XXXX   (   XXXX   XXXX   XXXX  ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied.      In  XXXX   XXXX  my mortgage was sold to  SLS ( Specialized Loan Servicing ).  I contacted them in  XXXX   XXXX  to try to get a loan modification throug h MHA. In   late  XXXX   XXXX  they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early  XXXX   XXXX  I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early  XXXX   XXXX  when I followed up with them they told me that my home was foreclosed on and sold on  XXXX   XXXX ,  XXXX .     I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday,  XXXX   XXXX ,  XXXX .     By foreclosing on my home SLS violated my California  Homeowner Bill of Right s.

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 2017-05-18 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: CA

Complaint narrative:
I was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi, I recently this month disputed a debt with   XXXX   and  XXXX .  XXXX  accounts under  XXXX   XXXX .   XXXX   took all  XXXX  off.   XXXX   denied all  XXXX . If I even ever owed this debt reported as owing to  XXXX   XXXX , I dispute that I presently owe the debt. If I ever owed it, then I defaulted upon this debt on  XXXX   XXXX ,  XXXX  and the six-year statute of limitations to commence a collection lawsuit passed on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX . No lawsuit was ever commenced. This debt was erroneously reported on my credit report as a valid and collectible debt having a charge off date of  XXXX   XXXX ,  XXXX . This entry is thus not accurate because the debt would no longer be collectible under local law as it is an out of statute debt ( 10 yea rs ). I requ ire that you remove any and all reference to this debt from my credit report at once and that you recalculate and amend m y credit score wit hout the effect of this debt computed into the calculation.  XXXX  #  XXXX . Thank you!  XXXX   XXXX

Company response to consumer: Closed with explanation