vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I have lodged disputes with XXXX XXXX, One Main Financial and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

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 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended XXXX College located on XXXX XXXX in XXXX, Ohio. I was enrolled in the XXXX XXXX program for XXXX XXXX. It was a 4 semester program. Halfway through completing the program we were notified that XXXX XXXX was not locally, regionally, OR nationally accredited or recognized by the XXXX XXXX XXXX as an official school of XXXX. They were closed. However, before they closed, I lost a minimum of {$20000.00} in financial aid to them paying for tuition costs, books, lab fees, etc. to obtain by degree in XXXX XXXX. I have tried to work this out through my loan servicer Navinet but have been unsuccessful. I am requesting loan forgiveness or cancellation due to the school closing. Since XXXX closed, another unaffiliated school by the name of XXXX XXXX has opened and they offer XXXX classes. No school in the city or state of XXXX, however, will accept or honor any of the courses students have taken at XXXX College in XXXX, Ohio. This was a complete loss to me both financially and in terms of time. Navinet claimed that they were unable to verify that XXXX was closed ; however, it is not very hard to find that information if you really look for it. I have proof that it was closed. It was not accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My TransUnion Personal Credit Report dated XX/XX/XXXX shows XXXX XXXX XXXXXXXX XXXX XXXX obtained reports about me on XX/XX/XXXX and XX/XX/XXXX. 

The report states that the company obtained the report for the review or collection of an account. 

I do not have nor have I ever had an account with XXXX XXXX XXXX XXXX XXXX. Under the FCRA an account is a demand deposit, savings deposit, or other deposit of an asset of the consumer 's. I have never opened any type of deposit with XXXX XXXX XXXX XXXX XXXX. 

Furthermore, I have had a permanent opt-out from promotional offers in place since XX/XX/XXXX, I have a had a permanent legislative security freeze in place since XX/XX/XXXX, and have had fraud alerts in place since XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX obtained information about me from TransUnion illegally.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
This company XXXX XXXX XXXX is calling us from XXXX even AFTER they have been made aware that we have and never have had any accounts with them NOR do we have any accounts in default. They become abusive and rude when told not to contact us again and continue to do so regardless. Total XXXX. They need to stop calling us and harassing us for a debt that we do not owe. Peroid fullstop! BTW how DARE those XXXX XXXX XXXX speak to children and attempt to solicit private, personal information about us from a child. THEY NEED TO LOOSE THEIR LICENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: NC

Complaint narrative:
My billing statement from KeyBank for a car loan does not include the number of days in the billing cycle. It includes the interest rate, and amount of interest taken from my previous payment, but does not tell me how many days were in the billing cycle. The amount of interest charged is all over the place -- often increasing for several months even though my principal balance has gone down. Credit card companies tell me how many days of interest were charged, so I can go back over the past year to see if the number comes out to XXXX. With KeyBank, however, I am not given the information of how many days interest I am charged in a month, or a year. 

I think there should be transparency in lending, and they should give me a complete picture of how my payments are calculated each month. When I called them about it, they said they just don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX  XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.

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 2018-05-09 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: WA

Complaint narrative:
I have contacted Experian several times that a chapter XXXX bankruptcy on my credit report should not be reporting. I supplied supporting documentation and it was dismissed. Experian is saying they verified the information with the court, which is not accurate. The courts do not verify information. Experian used a third party to view the public records and when i requested to find out who verified the information and what supporting documentation they had, Experian has failed to respond.

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 2018-05-09 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I filed countless dispute with XXXX & XXXX, about them reporting XXXX XXXX on my credit report, The account will be deleted and then added back just back & forward. I filed a dispute again in XX/XX/18 and receive a email that the investigation is completed and they verified the account accuracy, so when i call on the phone and gave them the dispute file # XXXX and was told to me the account was deleted, 2 days later I receive an updated credit report stated that the account was verified, so I called back and was told that XXXX sent in verification. I sent out certified letter on XX/XX/18, XX/XX/18 to XXXX, XXXX and XXXX requesting a method of their verification and the name, address and phone number of the one involve in the verification. XXXX and XXXX said that XXXX XXXX verified the account and transmitted the information to them, XXXX sent out a letter to me stating that they no longer have the account it was sold to XXXX XXXXXXXX XXXX. wow ... how is the credit bureau saying that they verified this account through XXXX jeweler ... how are they continue to reporting this account under XXXX name. Credit reporting should be reported accuracy name, account number, dates and correct contact information of the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
To begin, due to a loss of income, the client fell behind on his mortgage payments. After having applied and being approved by GMAC / XXXX XXXX for a modification. This offer was made in writing by XXXX, who then failed to implement modification agreement. Later the loan was transferred to OLS. My clients continued to attempt to resolve this issue, with no success. After having acknowledged the error and delaying the implementation of the modification, OLS failed to postpone or hold the foreclosure action on my clients property. Later, once the clients were threatened by a foreclosure action, OLS provided a loan modification with different terms and timeframes. In a separate matter, on XX/XX/2017, OLS issued the clients an Interest Rate Adjustment notice which inaccurately provided the wrong payment and interest rate. We are writing to have these issues investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: MI

Complaint narrative:
Per the Fair Credit Reporting Act, I have made multiple requests to Trans Union to validate information reported on my credit report and to provide me with copies of any documentation associated with the information reported in the entry reflected on my credit report. Each time Trans Union responds with the statement verified and updated. They have neglected to the validate information reported on my credit report and to provide me with copies of any and all documentation associated with reported information. With each request, the information reported is updated to simply change inconsistences and to re-age the account as of the date of the request. Each time these changes are made, my credit score is lowered significantly by the re-aging. 

As of this date, Trans Union/XXXX continue to report unverified, unvalidated, inaccurate and, inconsistent information on my credit report. 

Below are a few examples of the inclusion of unverified, unvalidated, inaccurate, inconsistent information on my credit report with Trans Union ( evidence is enclosed for your reference ) : 1. XX/XX/XXXX : The account shows closed on XXXX as a charge-off with a balance of {$10000.00}. ( Exhibit A ) 2. XX/XX/XXXX : The account is reporting payments made in XXXX and XXXX which re-aged the account. ( Exhibit B ) 3. XX/XX/XXXX : A remark was added Charged off as bad debt Profit and loss write-off. ( Exhibit C ) 4. XX/XX/XXXX : The account shows closed XXXX with a balance of {$12000.00}. ( Exhibit D ) 5. XXXX, XXXX : Per XXXX XXXX, Trans Union is reporting that the account was late one month ago which would be XX/XX/XXXX ( re-aging the account ). ( Exhibit E ) 6. XX/XX/XXXX : The account was updated to reflect the account was closed XXXX ( which again re-aged the account ) with a balance of {$12000.00}. NOTE : The ratings chart associated with the account on the same date contradicts that information by showing that that the account was charged of XX/XX/XXXX. ( Exhibit F ) 7. XX/XX/XXXX : Status continues to report closed as of XXXX, XXXX. ( Exhibit G ) After receiving the response to my most recent request from Trans Union in XX/XX/XXXX, on XX/XX/XXXX I called Trans Union to discuss this matter and spoke with their representative named XXXX XXXX. I pointed out examples of the unverified, inaccurate and, inconsistent information being reported. XXXX XXXX acknowledged that the information was at the very least contradictory and inconsistent. The only resolution that he was able to offer me was to file a dispute AGAIN. I explained that I have filed multiple disputes to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: FL

Complaint narrative:
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX XXXX XXXX  XXXX / XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2009 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-05-09 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX   AND THEY TOLD ME I COULD PAY A SMALL FEE AND TRAVEL BUT I DIDNT NEED TO PAY THEM ANY MONEY NOW JUST GIVE THEM A CARD # TO KEEP ON FILE TO LOCK IN MY DEAL. IT SOUNDED GOOD SO I AGREED TO GIVE HER MY DEBIT CARD # TO LOCK IN MY PRICE FOR XXXX BUT SHE PROMISED NOT TO TAKE ANY MONEY OUT OF MY ACCOUNT UNTIL I DECIDED IF I WANTED TO TRAVEL AND DOD BUSINESS WITH THEM. HOWEVER SHE TOOK THE MONEY OUT OF MY ACCOUNT ON XX/XX/17 AND I NEVER AUTHORIZED THIS ... I CONTACTED MY BANK XXXX XXXX TO LET THEM KNOW I NEVER AUTHORIZED THIS AND THEY DID NOTHING TO HELP ME. SO I AM NOW REPORTING THIS TO YOU .... PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS ABUSE .... I LIVE ON A FIXED INCOME AND I CANT AFFORD TO THROW MONEY AWAY TO A FRAUD SCAM COMPANY ... PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received multiple phone calls to my place of work. 7 calls came to my place of work in a matter of 3 hours. When I reached out to XXXX ( the individuals making the calls ) to ask that they contact me by cell phone and email only, t hey threatened to show up at my job to serve me papers. They attempted to speak with several of my co-workers about the issues which is a breach of privacy. I attempted to speak with XXXX and they informed me that it was an outside firm making the calls. I was not able to reach a solution because the representative would hang up on me. ( 4 times ). The only contact information I have for them is XXXX XXXX and a phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Financial would not let my Brother make payments for me or let me give him my power of attorney when I was in the hospital and in rehab centers. He talked to XXXX XXXX at the Wells Fargo Executive office XXXX and to XXXX XXXX XXXX And they refused to help him in any way shape or form. and all of the calls were recorded from what my brother told me. Also because of it I did have late fees because they would not let my brother make payments for me. And the dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My monthly payment is {$150.00}. And they were charging me {$250.00} to {$300.00} for late fees. And they refused to reimburse me for them. I would now like for my loan to be closed out and paid off without me having to make more payments on it. From my records I show that I still owe around {$3000.00} dollars.

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