vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 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: TX

Complaint narrative:
As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, XXXX and TransUnion ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, XXXX and TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance company.

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 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX-XXXX-16 I did a search and subsequent purchase from an Amazon.com Market Place Vendor found on Amazon.com, following the posted procedure of the listing. The posting required clicking on a posted email address to contact the vendor before placing the order & payment to be done by Amazon gift cards. The machine was to be used in my XXXX XXXX. When the product was not received I immediately notified Amazon through their posted procedure via email complaint using their website and form, giving all details. For at least 2 days after filing the complaint, the vendor 's posting was still on Amazon.com so they did nothing about the situation. Upon calling Amazon for a status on my complaint, I was told they knew nothing about it, took the information and complaint again verbally and advised me to do a police report and an on line FBI report - which I did. After researching, Amazon told me that since I used Amazon gift cards, and contacted the vendor outside of Amazon ( I simply followed the posted procedures found on their website posting ), - and they could n't find the transaction ... They could n't do anything about this. I have screen prints of the posting on Amazon 's website, email communication with the vendor and with Amazon and gave them all of this. I 've also contacted XXXX, Call XXXX and provided them with all of the above. They have contacted Amazon and Amazon has repeatedly told them they will contact me directly to resolve and has done nothing but continue to bill me for the {$500.00} cost of the undelivered machine. I have paid to protect my credit and at this time still owe them {$320.00}. I mailed certified letters to both Amazon and Synchrony Bank ( who administers the VISA Amazon Prime Store Card that I charged the gift certificates for the purchase on ) demanding dismissal of the debt and neither answered. I 've also put a complaint in with the State of California Office of the Attorney General who suggested I lodge this complaint with your agency. Bottom line is that I was scammed on Amazon 's website by a vendor they allowed to be there - and did not remove ... and they are not willing to take any responsibility for it. At XXXX years of age, I can not afford to have companies take advantage of me and I 've always trusted Amazon. I 'd appreciate any help you can give on this situation.

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 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.

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 2017-06-20 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: NJ

Complaint narrative:
This is written due to continuous misconduct and misinformation on behalf of Navient. After reviewing the promissory notes of XXXX private loans and consulting with her, we have found that she has been misinformed and was not given any explanation with regards to her loans and when she must start paying them. In addition, we have found an instance of potential fraudulent activity on one of the promissory notes. Firstly, these loans were signed to XXXX XXXX in the years of XXXX and XXXX. The loans are currently being serviced by Navient, when they were never signed to Navient. On all three promissory notes, there are no terms and conditions highlighted. The interest rate, terms of the loan, and terms of repayment are not present on any of the promissory notes. Therefore, XXXX was given these loans without any piece of information regarding the details of the loans as well as the implications of retaining them.
On one of the loans, taken out on XXXX/XXXX/XXXX. It is written under XXXX and her cosigners signatures that these are NOT ORIGINAL SIGNATURES, as highlighted on the attached promissory note. This indicates that these might have been signed fraudulently. XXXX was not told when she had to start repaying her loans. She started repayment in XXXX, between the time she took out these loans and started paying them, at least {$24000.00} of capitalized interest was added on to her balance. If she was informed correctly about the terms of the loan, she would not have this high amount of interest added onto her balance. Even though she has paid approximately 30,000 towards her loan, her balance is increasing at an extremely high rate. It is now {$71000.00}, when her original balance was {$52000.00}. XXXX has been taken advantage of and completely misinformed with regards to her loans. She is now in a much worse position than she was initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I spoke with a loan officer at Quicken Loans regarding a property that I am purchasing in XXXX, DC. After discussing the available products and interest rates, I agreed to proceed with an application in order to receive a pre-approval as requested by my seller.
<P/>
I was unaware at the time of the decision that the property that I was under contract on does not qualify for a conventional mortgage from XXXX XXXX as it is a new construction condominium and those properties do not qualify for delivery to XXXX XXXX from Quicken.
<P/>
Had I known this information at the outset, I would not have proceeded with the application process for two reasons, first, I spent about an hour reviewing my credit status with the loan officer ( after which I was approved for the mortgage then rejected due to the XXXX XXXX restriction ), and second, I did not want to be adding hard credit inquiries to my credit report if there was not going to be any way of proceeding.
<P/>
After pulling my credit and completing the application, the loan officer asked about the property and knew right away that it would be a problem, which of course it was. My issue is that I received a hard inquiry for a loan that Quicken Loans will not ever approve and Quicken Loans is not willing to ask the credit agency to remove the inquiry ( which there is a process for doing but may have a financial cost to them. ) I raised this issue with Quicken Loans and was informed that while they regretted that the question of the property type was too late in the interview process to avoid the credit pull, there was nothing that they would be prepared to do to rectify the inquiry on my report which resulted in my score being immediately reduced by the credit agency.
<P/>
I am unable to recommend Quicken Loans to other consumers given a process that is punitive to people 's credit which the company is unwilling to resolve to the benefit of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: AL

Complaint narrative:
This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have over {$130000.00} in student loans that are split about 50/50 between between private and federal. My private student loans are then broken down into 6 separate loans which all carry different loan amounts, interest rates and minimum payments. In order to keep my account current I set up a single monthly auto-debit from my bank account that 's allocated over each of the 6 loans every month. This is the payment structure that was recommended to me by Navient representatives. If I want to change my payment plan at any point I would need to do so for all 6 of my private loans again so that the payment would be enough to cover them all. The fact the loans are for different amounts and have different interest rates does not seem to matter to Navient when dealing with making payments. If at any point down the road the payments are not made, missed, or the amount is not enough to cover all the loans, Navient will list the default by individual loan turning one issue into 6 separate issues and absolutely destroy my credit in the process. My issue, in short, is the fact that Navient will view all their payment vehicles and loan programs as if all your private loans were one big loan ... .but they 'll view any sort of negative activity or adjustment as if the loans were all separate. I do n't understand why I 'm unable to consolidate my loans because I have poor credit ; my poor credit is being caused by trying to manage all the different student loans I have listed ; and everything I do right get 's me a single " pat on the back '' while everything I do wrong costs me 6 separate lashings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus that my account is 30 days past due when it is not, nor has it ever been delinquent. I called the customer service number on my latest statement to speak with an agent who confirmed that my account was current. He could not figure it out and sought the help of a supervisor who could not figure out why I was reported delinquent to the bureaus either. 
I have attached the previous three months XXXX credit card statements for year 2017 : XXXX, XXXX, XXXX ; you will see that NONE indicate any past due amounts or fees. Additionally, I have attached the previous three bank statements showing the CFNA payment debits.
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS

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 2017-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.

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 2017-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017

Company response to consumer: Closed with explanation