vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!

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 2017-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I filed a complaint against Bank of America Credit Card - Visa in   XXXX    because of severe security problems with their credit card. I decided to reduce my financial foot print with Bank of America because of this issue and a problem in  XXXX , where I opened a Traditional IRA and they opened a Roth IRA by mistake, potentially causing a serious problem with my tax filing if I had not read the fine print. At that time, I emptied my saving account of most funds because of their tolerance for such a large margin of error. In   XXXX   XXXX   XXXX  , I closed my credit card and saving account and moved my direct deposit from my employer to another financial institution (   XXXX   XXXX   XXXX   XXXX   XXXX   ). At the same time, I moved the direct debit for my Bank of America Mortgage to   XXXX   XXXX   XXXX   XXXX   XXXX   to pay my mortgage from this other account. On  XX/XX/XXXX , I received a notice from Bank of America Mortgage that I am behind on paying my mortgage. However, the debits from my   XXXX   XXXX   account are clear and are attached in an account statement. However, the Bank of America statement reports that they performed an " unapplied funds reversal. '' The reversed funds states it left my bank of america mortgage account on  XX/XX/XXXX , but was not returned to my other financial institution from which it was debited, nor was it returned to the only remaining account with Bank of America, which is the remaining checking account ( which was the account the mortgage was previously debited from ). My wife now uses this account. So in essence they claimed they reversed {$920.00}, but they did not do so to my accounts and are sending me a notice that my account is past due and at risk for a late fee. I have tried to contact them twice but the prompts on the Customer service number do not progress to resolution. They confirm that payment was received. I believe this may  be institutional retaliation for the previous complaint. I have never missed a payment.

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 2017-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I was notified by   XXXX   XXXX   which purchased the account from   XXXX   XXXX   that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.

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 2017-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have an auto loan through Bank of America, I have always paid the monthly installment over the phone. In the month  XXXX  specifically on   XXXX   XXXX   XXXX     I paid installment payment of  XXXX  due date was   XXXX   XXXX   XXXX    . On   XXXX   XXXX   XXXX     the company debited my check account again in the amount of   XXXX  . I spoke with  XXXX  supervisor for Bank of America who assured me the money would be placed into my account within  1-3  days if I faxed my bank statement revealing the additional payment of  XXXX  on   XXXX   XXXX   XXXX    , bank statement was faxed on   XXXX   XXXX   XXXX     today is   XXXX   XXXX   XXXX    , my money has not been refunded to my account. My concern is that I authorize d one p ayment of  XXXX  to be drafted from my account on   XXXX   XXXX   XXXX    , I did not give this company permission to draft anything else from account. They went into my account and removed another payment without my permission, .This is a first time occurrence but how many other consumers has this happened to. Once this matter is resolved I plan to refinance my auto loan with another lender.         Thanks for your attention in this matter

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 2017-05-07 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: IL

Complaint narrative:
I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: PA

Complaint narrative:
I have been sending letters to inmates for about 10 years, I also send some  XXXX   XXXX  Orders. I recently sent a money order to a inmate and was informed that she was not allowed to cash it. Supposedly all funds must go through a company called JPay, this company apparently has the authority to punish offenders and their families by charging very high fees for many things that used to be free, like sending money orders to inmates, it still is at some institutions. In this case I have no idea where my money order is. I have sent several emails to JPay requesting information about the money order, they just do n't reply, I have also emailed the Department of Corrections of that state with no results. To me this is the same as stealing, JPay, Department  of Corrections,  the prison itself has no hold on the money. So how do I find out where my money is and get it returned?    XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: HW Holding, Inc
State: NV

Complaint narrative:
A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: GA

Complaint narrative:
I have sent  XXXX  written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

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 2017-05-07 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: NY

Complaint narrative:
I have been having a difficult time making my monthly payments on my loan with  XXXX . In  XXXX , I had several  XXXX  student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding  XXXX   XXXX   ) a nd have had an increasingly difficult time making the loan payments.  XXXX  apparently bought the loans from  XXXX  and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by  XXXX .  <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named  XXXX  on  XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair.  <P/> Id appreciate any assistance you can provide and if you could please call me at  XXXX  to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance.  <P/><P/>  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-07 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: IL

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I sent a certified letter to Transunion regarding unverified negative items being reported on my credit report. I specified that I was requesting TransUnion to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifiying on my report After Transunion 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at TransUnion regarding these negative items and have yet to get this resolved. TransUnion has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call TransUnion back, spoke with another rep this time and they advised me  that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a  manager that stated that since this was a reinvestigation, no runner was involved. The manager  advised me that TransUnion uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. TransUnion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

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 2017-05-07 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: OH

Complaint narrative:
I have an agreement for sutomatic withdrawl of {$180.00} from my checking account to service the  Navient  loan. However this month  Navient  withdrew {$460.00} from my account WITHOUT my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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 have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On   XXXX   XXXX   XXXX     I sent a certified letter to Experian regarding unverified negative items being reported on my credit report. I specified that I was requesting Experian to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Experian 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Experian regarding these negative items and have yet to get this resolved. Experian has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX  Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or any  XXXX  parties. I decided to call Experian back, spoke with another rep this time and they advised me that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Experian uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Experian refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.

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 2017-05-07 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: GA

Complaint narrative:
I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In  XX/XX/XXXX , I was approved for a  Car Loan wi th  Santander  Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the  XXXX  of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting  Santander  since  XX/XX/XXXX  for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today,  XX/XX/XXXX  they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total  of 7 calls to get this  corrected and never happened.

Company response to consumer: Closed with explanation