vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 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: GA

Complaint narrative:
I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX/XXXX/XXXX - This complaint concerns EQUIFAX only. 

The problem is that current EQUIFAX credit reports do NOT show complete public record information. Neither the annual credit report nor the EQUIFAX site XXXX XXXX XXXX reports show the discharge date XXXX bankruptcy ) nor tax lien status ( release ). 

Despite discussions with EQUIFAX consumer reps, could not get any report showing the current status on the bankruptcy nor the tax liens. EQUIFAX staff could not explain why the information was accurately reported in previous reports. There was no accountability for incorrect and potentially derogatory information being propagated by EQUIFAX. I talked with 2 representatives who could not explain why the information was not showing up on the reports - nor would they do anything to correct it. I requested the supervisors supervisor and waited on the phone for 40 minutes without a human response. The number I called was XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - Filed dispute on XXXX with EQUIFAX. EQUIFAX did not have up-to-date information about XXXX tax lien status ( released ). EQUIFAX investigated, agreed with my information and updated their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Union Credit Corporation
State: GA

Complaint narrative:
Union Credit Corporation has repeatedly re-aged a old debt and the incorrect information is having a negative affect on my credit report. The company mentioned above has changed the open date on the account on several occasions. I have my old credit reports to prove this unlawful act. The company states that the account was obtained XXXX XXXX, XXXX. And las reported XXXX XXXX, XXXX. In the amount of XXXX. Which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: MD

Complaint narrative:
On XXXX/XXXX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. 
I have sent repeatably letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. Experian keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

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 2017-10-20 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: VA

Complaint narrative:
In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
In XXXX 2016, a collection account began reporting to my various credit reports by XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. 
Moreover, the report claims that I made a payment of {$110.00} in XX/XX/XXXX, yet the balance remains the same. In my dispute, I noted that XXXX XXXX XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. 
I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I paid my mortgage off
with Ditech on XX/XX/XXXX. The excess escrow amount was XXXX. and they said that amount was mailed out and check cut XX/XX/XXXX. I have called 3 times asking where the check is and i am told " in the mail '' and I also called to see if it was cashed, maybe stolen and they said no. They told me that I had to wait 30 days before I could call and have another check issued. I think that they are holding my money to earn more interest on it.
Account number is XXXX name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am one of the Equifax victims. I do n't know when my report was breached, but they report it was. So, now I 'm stuck with my identity being out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: PA

Complaint narrative:
US department of education has been turning me into collections and reporting me to the credit bureau as not making payments on my student loans. I have an automatic payment pulled from my account every month. In addition, I have had my wages and tax returns garnished. I have proof that I have submitted appropriate paperwork for deferment for XXXX and XXXX, and can show payments started 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 2017-10-20 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: CA

Complaint narrative:
Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. 
Therefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

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 2017-10-20 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: MD

Complaint narrative:
On XXXX/XXXX/XXXX I submitted an initial dispute to TransUnion requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00XXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

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 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.

Company response to consumer: Closed with explanation