vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 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: NC

Complaint narrative:
I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and Equifax against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: NC

Complaint narrative:
I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through Experian, XXXX, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.

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 2017-07-04 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: NC

Complaint narrative:
I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it.

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 2017-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On  XXXX   XXXX ,  2017 , a man knocked on my door to notify me that he bought my home on Auction at  XXXX  that morning. I had no idea my home was up for auction as I did n't receive any notification of such. I immediately reached out to the company Wells Fargo Referred me t o (   XXXX   XXXX   XXXX   ) to  assist with my loan modification documents and they stated they were also unaware of any auction date. My loan became delinquent about 8 months ago after my   XXXX   XXXX   was cut and I have been working with Wells Fargo the entire time to receive some sort of assistance. I recently received a new job with a higher paying income and submitted the new documents to be considered for assistance. I was informed by  XXXX   XXXX   XXXX  that once they received these documents ( the offer letter  ) th at we could move forward with mediation. I have sent numerous emails and made numerous phone calls inquiring of the status of my modification since and received no follow up until the morning I received the knock at my door. I had no chance to file bankruptcy or take any other steps to save my home. I want a fair review of my application.

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 2017-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi CFPB, I 'm writing in furtherance to my previous complaint  XXXX . Navient 's response did n't address my concerns. I 've found out that when I make a payment that only {$2.00} goes to principle. Everything else goes to interest. I 'm  XXXX  now. I 've been making payments for a long time. I 've had my loans consolidated before and I do n't believe I was given accurate information on how this would effect the balance of my loans. They have not gone down at all. I believe that Navient failed to disclose the necessary terms of the student loans repayment and that the interest rate just resets itself. I can not keep making these types of payments. I think I 've been misled.   XXXX  Thank you for all your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nations Recovery Center
State: MD

Complaint narrative:
Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: LendUp Loans LLC
State: NY

Complaint narrative:
i became a lendup card member since XX/XX/XXXX to move up the ladder you have to pay on time, update correct contact info my card was up for review for a credit line increase i had called to update my phone customer service called and when i answerd they hung up and sent an email stating they needed a code to get throughwhich was not true i had a dial tone couldnt call out but i could recieve in coming calls.i was denied a credit line increase there excuse was i was over my limit it was there interest fee that brought me over the limit from XXXX to XXXX credit limit is XXXX i was angry because they are playing a game what ever is going on at the moment emailed several times and stated close my account. they sent an email on a saturday that stated my account is closed there office is closed on weekends i called monday morning wanted my card re-instated i was told they cant made my payment of XXXX min of XXXX and XXXX for the overdraft.i was told my account was closed and couldnt re-open my account shows available credit of XXXX and is still open at this time looked up the card agreement it states i can cancel at any time and can be re-instated they de-activated my card so i cant use my avail. credit the card agreement and or disclosure had been breached by the lendup card co.

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 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have multiple inquiries that are unauthorized and have been removed and reinserted on ny repor t I will u pload all inquiries to be removed

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 2017-07-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MO

Complaint narrative:
I briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
<P/>
I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
<P/>
I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
<P/>
Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
<P/>
This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
<P/>
Please help me stop this fraudulent company hurt someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
There is a collection on my  XXXX ,  XXXX ,   XXXX   of {$250.00} that was paid in full around  2009 .

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 2017-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: PA

Complaint narrative:
We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I woke up and found my credit cards at chase ( all five of them ) were closed. Upon calling in the same day, I was informed that due to an " unsatisfactory business relationship '' deemed as such by a Chase affiliate, they had gone ahead and closed all my credit cards and accounts. <P/>I have five cards : Chase Freedom, Sapphire, Hyatt, Fairmont, and IHG. I truly enjoy the service from chase and having these cards, but am very saddened by their closing. They told me I was able to redeem my points for at least 30 days after closure. <P/>I have since received two letters from chase, saying they closed the five credit cards on XX/XX/XXXX, and will close my two bank accounts by XX/XX/XXXX. <P/>Chase has refunded me annual fees totaling {$210.00}. I would rather have kept the cards open and continued using them. I have called numerous times the help lines on the back of my credit cards, with no success ( or help of any kind ), as well as spoken with a chase banker ( at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) early last week ( either XXXX or XXXX ). <P/>I am highly alarmed at my treatment, and am concerned about my points - the Fairmont credit card specified that if I spent {$6000.00} by XXXX, I would earn a free night award. I have done so ( three purchases of {$2000.00} on XXXX, XXXX, and XXXX ) but was repeatedly denied getting those points ( roughly 6,060 points ) as well as the free night award, due to the fact that my statement that would have closed in early XXXX will no longer post. <P/>I am happy to speak with someone about this in further detail. I have never missed a payment, am a loyal customer ( having chase for many years now ), always pay ON or well before statement due date, and generally am a model customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation