vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
My loan origination date was in the fall of XXXX. This loan has been bought and sold to so many companies over the last 20 years I can't recall all of the information. Currently Navient is the loan provider. Navient and Sallie Mae have had the loan for certain since XXXX. In XXXX my wife and I filed a chapter XXXX bankruptcy, as part of our repayment terms our attorney tried to get the loan company to accept payments as part of our bankruptcy, we did not ask for a reduction in amount or ask for the debt to be discharged in any way. We simply wanted to re-pay via the court. The request was denied. We were able to re-pay our debt in 3 years and sometime in XXXX after the discharge the loan companies starting contacting me to begin repayment. Since the repayment process began again my family and I have been diligently trying to get rid of the debt. Navient 's records only date back to XXXX, however the original disbursement was {$9200.00}, I have been repaying an average of XXXX monthly since XXXX and my statements state that my balance owed is still {$8500.00}. The interest rate is 4.25 %, and the average interest yearly according to the statements they send amounts to around {$400.00}. Since XXXX I have paid over {$6300.00} to Navient even with interest over that time frame I should not still owe {$8500.00} the math just does not make sense. I have made multiple attempts to contact Navient and am unable to reach anything but a recording. I have " scheduled '' more than one Call, in which I schedule a time and they are supposed to call me, and they never call. I understand that we have made errors along this path but I feel that we are being taken advantage of and I would like credit for the money we have been paying. If this is how the companies take advantage of consumers its no wonder the entire country is engulfed in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX  reported me late on XX/XX/2018 when I should not have been. I had changed my address on file and they should never had reported me 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 2019-04-09 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis Risk Solutions ticket # XXXX Attempted to  get credit report for business via email and phone. 

They refused requiring verification of a non-existent form " certificate of existence ''. While there is a California " Certificate of Good Standing '', they refused to accept that form name and the non-US customer service agent, whom not familiar with laws, was unable to find the proper form. 

Wasted over 2.5 hours as a business owner trying to get our business credit report. 

Also, they requested me to send my Social Security, Utility Bill, Business Tax ID, and Drivers License # via unencrypted email. 

It's a shame that I need to expose my personal details on the internet, unencrypted, to get my business credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NY

Complaint narrative:
It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious! 

I keep asking them to remove the funds from my account and they don't. They are waiting for the time period to lapse so they can charge me the origination fee which is not fair as I am trying to return all their moneys back prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A few days ago I checked my scores on XXXX, only to find that my TransUnion score dropped an amazing XXXX points in the 2-weeks since I last checked it. What Changed? A derogatory report dropped off my account and a car payment was processed. So 2 positive things happened to my account and I lose points?! This " game '' doesn't seem to have consistent rules. 

I contacted TransUnion via their site the day I found this information, but have yet to hear from them.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In XXXX of XXXX I was contacted by Synchrony Bank regarding the past due balance on my Care Credit card. At that time they gave me the option to make 6 prearranged, direct debit payments toward my balance in an effort to get the balance current and pay down the amount owed. I agreed to the arrangement and the payment amounts that were quoted to me. Subsequently, I have made all of the payments, on time, yet my balance has continued to go up and is now higher than it was when I began the payments. I contacted Synchrony bank on XX/XX/XXXX to try and understand why this was occurring and was told that if the payments made were not full payments, I would be charged late fees which amounted to more than half of the arranged payments. I stated that they dictated the payment amounts of the payment arrangement and all were made on time so I did not feel that late fees should have been charged. They then told me that they would file a complaint regarding the fees and would contact me further regarding the outcome. I was never contacted. I just received another statement from Care Credit and my balance has once again grown. I called again and was told again that even though I paid my arrangements on time, as they were not full payments (? ), late fees would apply. 
My initial credit limit on this card was XXXX which I used for critical dental work. I have made sincere attempts to pay off the account. I was able to check my bank statements and have the dates and amounts of the payments I have made and confirmed those with Synchrony Bank. 

XX/XX/XXXX XXXX Initial payment of arrangement XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These payments total {$590.00} yet my balance is now XXXX. They were all made on time and in the amount dictated by Synchrony Bank at the time the arrangement was made. I have paid off two other credit cards during this time using similar arrangements without any issue. I am sincerely trying to get my credit in better standing and pay off outstanding balances but Synchrony Bank continues to add fees and my balance is never reduced.

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 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I requested my HSA funds from XXXX XXXX  be transferred by check to my new XXXX HSA account. However, XXXX sent the check to the wrong bank, BMO Harris. BMO Harris cashed a check that was not written to them as it was written to XXXX XXXX FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by BMO Harris. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and XXXX is refusing to do what the other two banks recommended ( fill out the fraud form ). Essentially, BMO Harris has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by XXXX. XXXX is refusing to file the fraud form. They are telling me I can't fill the forms out since the check was technically written to XXXX and not me directly even though my name is also on the check as the FBO. Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/2019, our PMI reached the 78 % mark however when I inquired that the PMI should be removed from our payments, Quickenloans continued to state that we had to continue paying into the PMI until XX/XX/2019. After receiving this reply back from the mortgage company, I advised them that according to the Homeowners Protection Act of 1998 it was required that the mortgage company to remove PMI when it reached 78 % however they continued and still continue to state that the PMI will only be removed on XX/XX/2019 and then they have stated that the PMI would actually be removed a month after the XX/XX/XXXX date. After once again sending them information about the Act of 1998, Quickenloans refuses to remove the PMI from our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've identified several accounts that are currently appearing on my credit file that do not belong to me. I've attempted to settle this matter with Equifax, XXXX, and XXXX, but I have not been successful with having the fraudulent items removed from my credit profile. The items are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a XXXX Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, XXXX. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX XXXX XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX   XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX 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 2019-04-09 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: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a Massachusset Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, Mass. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX I. XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX CREDIT 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 explanation
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax you are reporting XXXX XXXX on my report but there is false incomplete information .Remove this account for violation s.enclosed are the documents show my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian regarding changing the phone number on my fraud alert. XX/XX/XXXX at XXXX EST. The representative was very rude and malicious not to mention lacked professional courtesy and was out of touch with Experian practices. He proceeded to tell me I needed to fax and upload documents to change my phone number and that I was looking at incorrect information on ANOTHER companies site regarding calling to change my fraud alert information. He asked for my social and then proceeded to hang up on me. They will also not allow me to remove an incorrect name is address because another company is reporting that. I have documentation showing my identity was stolen XX/XX/XXXX. The attached clearly shows their guidance from Experian.

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 2019-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a collections company that is not providing me with any information. I contacted my insurance company XXXX and the collector XXXX to see why was I charged a bill for {$580.00} that I did not know about. Was told by XXXX that they reached out to the hospital about charges but there are no records and I have reached out to them as well. I reached out to XXXX  and all they are saying that I have a collections but no proof of what the charges are for. The bill I got for the hospital was paid and the doctor did not do anything for me. I basically paid to get my XXXX XXXX took because my XXXX XXXX XXXX had left before they could get a doctor. I was not given anything and was told to see my XXXX  which I did and she was paid through my insurance XXXX. I have requested for Equifax to provide me with documents from the doctor of charges because I have insurance that pay majority of all my medical bills. No one can provide records and I need to see what I am being charged for. Now I have a collections on my credit report and I do not know why. Bureau is not giving me any information on what they are being told by collections agency so these disputes are pointless. I pay my bills on time so this is very frustrating that no one can provide me what I am asking for. Also, the amount changed after the first dispute and I asked about that but got no response. What is the point of providing my proof when these companies are not providing me with anything. If this is the case any company can say I owe them. None of this makes sense to me and I would like a detailed response not a generated reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I when to XXXX to buy something but the cashier told me that I was not able to purchase because I was not the card member, his name was XXXX and he called the manager and confirmed that I was not able to buy the product, at this time he returned my credit card and passed the next person, I did not signed any bill or was able to purcharse anything and I spoke with chase and explained but they don't want to hear They taking XXXX side since the first time. 

XXXX XX/XX/2019 XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have made payments to my student loans under the " Public student loan forgiveness program '' as I am a XXXX XXXX. I have sent in numerous employment verifications to this company as they have lost them. I joined the program on XX/XX/XXXX. to date I have made near 45 payments that are qualified which means according to the companies own website as, " The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time ( more than 30 hours per week ) in an eligible federal, state or local public service job or 501 ( c ) ( 3 ) non-profit job who make 120 eligible on-time payments. '' I have done this in full compliance and have attached the payments made to XXXX XXXX   since my loans were transferred from XXXX XXXX to XXXX XXXX in XXXX. Prior to this I made the qualifying payments through XXXX XXXX which I have been unable to obtain thus far as XXXX XXXX will not get back to me with the calls I have made requesting my payment details, and the web site will no longer allow me to log in since my account is no longer active with their company. My qualified payments need to be updated and I have attempted for the last year and a half to work with XXXX XXXX to get this updated and they are incompetent in performing their duties. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I have been working with a loan company and the have approved me for {$3000.00}. I was planning in going into sign the documents today. I have a lead provided a copy of my drivers licence and a my companies name, address, tel number and my managers name. They are asking me to bring my social security card and provide 3 names and their contact info. It seems that because I have a non American   accent that they are treating me very differently. They phoned me today XX/XX/2018 and told me I had red flags on my credit report. There is no red flags on my report. The loan companies request seem all unnecessary and extreme. I just want to be treated like everyone else that is getting ready to signs an agragrrement.

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 2019-04-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX   CREDIT ACCOUNT.

Company response to consumer: Closed with non-monetary relief