vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: MS

Complaint narrative:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2018-05-08 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: MS

Complaint narrative:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2018-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My Sallie Mae Loans were purchased by Navient. There are three loans in my name XXXX XXXX XXXX. On loan # XXXX since inception have paid {$27000.00} yet the loan balance has INCREASED by {$860.00}. Navient has taken lump sum payments i.e. {$300.00}, XXXX, XXXX and applied the majority to interest. In addition there is capitalized interest, forbearance fees, etc. The amortization schedule they provide does not reflect the beginning balance less payments ; instead it shows the payment whether it was applied to interest, fees or principal. 

In 2017 I paid {$5700.00} with ONLY {$270.00} credited to principal. In an attempt to understand/correct this situation I have made numerous phone calls without any resolution. It is impossible to get a straight, honest answer. 

My job is as a flight attendant earning approximately {$25000.00} per year. These loans are creating an unimaginable hardship on me financially and is creating an extremely stressful situation in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
After Hurricane Irma, in XXXX of XXXX, I called Nationstar which later became Mr. Cooper : XXXX Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX I was told about their forbearance program and they agreed to put me on the program and any missed payments would not be reported to the credit bureaus. I missed payment for the month of XXXX and XXXX and in XXXX of XXXX, I made both payments and was caught up. They reported it to the bureaus and when I called to dispute it earlier this month I asked for a case dispute to be opened ( it was not, I was ignored ). I called to check the status 3 weeks ago and had to open another from scratch. They said I never showed up on their forbearance program. I am now trying to refinance because of a divorce agreement and am on a tight deadline. The port of 60 days is not allowing me to refinance and will lose the Condo because I can not come up with the money. Selling is not an option. Please help me as i am desperate and the lender does not acknowledge they mislead me into believing my credit would not be harmed. I have never in all the years I have owned have I been late on a payment. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: FL

Complaint narrative:
XXXX XXXX contacted me about a debt they stayed I owed. I informed them I needed to see where I owed this money in writing. They instead sent a payment arrangement to my email. They threatened me by stating my account was going into proceedings back in XX/XX/XXXX and I only had less than a week to make this arrangement. Here it is XX/XX/XXXX and they are calling using the same tactics. They called my place of business and I sent an email to them on XX/XX/XXXX staying Im not allowed to receive correspondence at my work. On XX/XX/XXXX I received a call from XXXX XXXX stating they sent an employee verification form to the school where Im housed and telling me I had a meltdown about it. I am not employed by the school but housed in their facilities. So at this point, they are reaching out to an entity that is not my place of employment trying to get information about me. I have copies of emails and voicemails ( that are also transcribed ) of our communications if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
XX/XX/2018 I was admitted to the hospital with XXXX problems. Since that time I have been hospitalized five times and under went XXXX removing half my XXXX. I have been unable to work since XX/XX/18 and have no source of income. 
I contacted NAVIENT three times by phone trying to defer the payments until I can return to work. They refuse to do anything stating my co-signer can pay the premium. The cosigner is my mother with whom I have had to move in with and who is paying my other bills such as health insurance needed to cover the massive cost of my health care. 
I asked NAVIENT to work with me and they refuse to make any changes. 
I fully intend to make payments on this loan, but currently am unable to. They are sending bills to myself and to my co-signer and adding late payment charges. 
All I am asking is that they hold off on payments until I can return to work hopefully in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had set up an online bill pay through my American Express Serve account on Wed, XX/XX/2018 at XXXX XXXX  to pay XXXX XXXX XXXX in the amount of {$650.00}. The email i receive stated the payment should arrive in 24 business days. ( Transaction ID : XXXX ) On Wed, XX/XX/2018 at XXXX XXXX, I called customer service and requested to put a stop payment of the bill pay and have the fund return to my account. I was informed that the transaction was already processed and there will an investigation. I am not sure why the transaction was approved and the funds were transferred so quickly, but I have yet to receive the {$650.00} back into my account and it is very important that i receive those funds back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX   was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: CITIBANK, N.A.
State: MI

Complaint narrative:
CBNA is wrongly reporting my best buy credit card as 60 days late. This reckless reporting has been going on with Citibank A.K.A. CBNA, for 4 months, since my card was compromised. 

On XX/XX/XXXX CNBA finally completed their investigation which began in XX/XX/XXXX. 
CBNAs investigation concluded my account was compromised and I would not be responsible for any of the reported charges. 
CBNA also concluded a new card would be mailed out to me. 

During the investigation, I was restricted from access to my account, any charges or balances. I was not mailed any statements and to this day of XX/XX/XXXX, I have yet to be mailed or provided a statement by any means. 
My previous conversations with the fraud department, which i highly recommend reviewing the tapes, The investigator told me not to worry about any payments to the account until after they conclude their investigation and until i receive a statement. 
However, it seems this information is not forwarded to the department that monitors payments and reports to the credit bureaus. 

As a result of CNBAs continued recklessness, I was turned down for a mortgage on XX/XX/XXXX buy XXXX. This is the 2nd time in 3 months I was denied as a direct result of CBNA 's inaccurate reporting. This has cost me thousands in actual damages. Including the fees I had to pay. 

CBNA 's reporting is also contradicting, it reports I paid my XX/XX/XXXX and XX/XX/XXXXpayments, yet in XX/XX/XXXX reports me as 60 days late. MAKES NO SENSE I contacted CBNA 's fraud department again on XX/XX/XXXX & XX/XX/XXXX and was assured this would be corrected immediately. It has not been corrected as my XX/XX/XXXX credit bureau reports continue to display 60 days late.

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 2018-05-08 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: LoanCare, LLC
State: FL

Complaint narrative:
The issue at had is with my current mortgage company Loan Care. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.

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 2018-05-08 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: MA

Complaint narrative:
I disputed two accounts that don't belong to me with Equifax, XXXX XXXX XXXX XXXX XXXX, I received the results and they never looked into the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: IL

Complaint narrative:
Multiple hard inquiries not recognized on my account- Contacted XXXX XX/XX/XXXX and XX/XX/XXXX and they advised they will not remove. I have been reviewing my credit report due to other errors and noticed these so i wanted to clear them up as soon as possible. I had advised them after research I became aware that they had a " inquiry breach '' within the past two years and they would not acknowledge it. These were recognized or authorized. 

Inquiries I requested to be removed : XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I am receiving daily phone calls for a person who does not reside in my home. 
I have repeatedly asked Capital Accounts llc to not call me to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: MA

Complaint narrative:
I disputed a XXXX XXXX account that doesn't belong to me account number ending in. XXXX and I received a letter from XXXX on my current account for fraud investigation. Experian investigated the wrong account.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I have an automatic recurring payment set up with the company. Since the beginning of 2018 when they changed their system the additional money I pay each month does not go toward paying down the balance on the loan. Instead they apply it towards the next months payment. Each month I call to have them apply the excess payment to the balance of the loan and not towards the next months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
I received a letter from XXXX re : XXXX XXXX who is an adult. I called them and told them that I was not responsible for this debt. They opened a dispute with the medical center, more than 60 days again and it has not been resolved. ( XXXXXXXX Medical Center ). In addition, they have continued to try to collect the debt from me. I have advised them again today that it is not my debt and they have not provided proof or resolved my complaint and should not be sending me any correspondence about this debt. In addition, they are violating HIPAA as they have disclosed a date of service and location of services of an adult patient.

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 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX charges were made to my credit card without my knowledge or consent. On XX/XX/XXXX I noticed the charges on my credit card. I immediately called Chase, my credit card company to report the fraud. They did an adjustment for me while they investigated. On XX/XX/XXXX, the charges were placed back on my card saying the fraud claim was lost because I received benefit from the transaction. I immediately called Chase to dispute this and showed proof that I received no benefit. In fact, I was charged for something I did not receive. I received another letter on XX/XX/XXXX that stated that any future requests or correspondence regarding this matter, with the exception that it contains new information will be filed with your account records and you will not receive a response. I then contacted the company ( XXXX ) that we had a dispute against. They stated they received a chargeback from Chase and were out funds as well. They provided me with proof that Chase debited funds from them on XX/XX/XXXX, the same day I was charged for something I didn't receive. I'm not sure why Chase would keep the money and close our case, but I am a victim of theft. Chase states they gave the company back the money and the company should refund me, the company states Chase debited the money and they have no funds to refund us back for a purchase we didn't receive. They advised us to take it up with Chase. I did take it up with Chase and they refuse to talk anymore about the matter, even with faxed proof that we in fact, are being charged for goods, we did not receive. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
They have called several times and when I answer they hang up, other times they say they need my full name and birth date and when I ask who they are they hang up. I called them to make them stop and give them proof I don't owe them anything and they refuse to take the information and start getting rude demanding additional personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation