vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-25 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: TN

Complaint narrative:
I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XX/XX/XXXX, and XX/XX/XXXX ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I received a letter from CCS saying that I owe $ XXXX.They say I owe this to XXXX and I do not. They have also been calling my cell phone and I NEVER have given them permission to call me or call me on my cell phone. I faxed a debt validation request letter to them on XX/XX/18 to XXXX. This is the CCS President XXXX XXXX fax number. I have a confirmation saying this was faxed and received on XX/XX/18. I also requested in writing that they cease all phone calls including my cell phone number that they have never been authorized/given permission to use. This was included in the fax they received on XX/XX/18. They have called me on my cell phone at work repeatedly and during meetings and other times while I have been at work. They have not stopped from calling me, and they listed the alleged debt on my credit reports negatively affecting my credit. They failed to comply with the FDPA and have not ceased calling me, they also have not responded to my debt validation letter requesting validation of this alleged debt and they added the alleged debt to my credit report. They haven't responded at all to my letter and not by the required 30 days. They are to immediately delete this from all credit bureaus and to cease all collection activity for this alleged debt that they have not validated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: IL

Complaint narrative:
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.

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 2018-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are two derogatory reports showing on my credit report under Transunion and I tried to contact them to correct it. I did it through their website and I opened an account which they required. Every time I tried to log in to their dispute, this is what I am getting this error message " We are experiencing technical difficulties ''. And what were showing on their URL link is this XXXX XXXX XXXX Transunion keep sending me an email to pay a yearly fee for my credit report. It seems to me that they will not allow me to dispute the claims online unless I pay them a yearly fee. Both of those derogatory remarks on my credit are settled and paid. 

XXXX - reported XX/XX/2018 XXXX - reported XX/XX/2018 My credit score is way down because of those two derogatory marks from Transunion, and I would like to request your assistance to get this clear. Transunion is not cooperating.

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 2018-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2018 I contacted Navient to explain that my current IDR loan repayment plan was based on incorrect assumptions about my income pulled from my joint tax return from the previous year. I was told to redo my application and submit documentation of my actual situation. I was told that my account would be placed in forbearance for 3 months while this was processed while this was processed. On XX/XX/XXXX, I completed my income-driven repayment plan application and submitted it with supporting documentation directly to Navient. On XX/XX/XXXX, I received an email from Navient stating that my interest had been capitalized and my new repayment amount at the end of forebearance would be greater than my previous amount. My complaint is that I was not given the option to continue to pay a specific amount to cover interest and not have it capitalize and accrue - which according to the email now equates to an additional almost {$1000.00} just for this forbearance period. It would seem like the best practice would be to ask the borrower if they would like to pay the interest and not have it accrue and capitalize and add to the principal by such astronomical amounts, just because their formula did not accurately pick up my current income situation.Forbearance sounds like a helpful term, but in this case it only helped the loan servicer, not the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: Guild Holdings Company
State: CA

Complaint narrative:
I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: IL

Complaint narrative:
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.

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 2018-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NY

Complaint narrative:
I filed a dispute with my Prepaid Card Issuer, Netspend regarding two ATM withdrawal transactions initiated on separate dates at the same ATM. During both instances while awaiting for the ATM to dispense the requested amount of funds, the ATM stated the funds were being dispensed, despite not having dispensed any of the funds requested. immediately afterwards, the ATM displayed an error message on screen which stated " receipt printer error '' which also resulted in the ATM not having provided a receipt. The first transaction took place on XX/XX/2018 for a total of XXXX the second ATM transaction took place on XX/XX/2018 for XXXX. I notified Netspend and filed a dispute regarding both transactions and slso faxed over an ATM dispute from. During my initial contact with Netspend over the phone, I verbally requested a provisional credit be issued to me within 10 days if they did not receive a response from the Merchant And also asked for a mailing address to send out my written ATM dispute form via USPS certified mail, but they stated they did not have an Address for me to mail out my dispute form and insisted I fax them the ATM dispute form. On XX/XX/2018, I faxed the dispute form to the phone number listed on the dispute form, and after 10 business  days have not received my provisional credit to utilize my funds since they requested more time in order to investigate. I also notified customer service on XX/XX/2018 and advised them I would fax it again because the CSR told me they had not received my dispute form. This is unfair and is also a violation of non compliance under Regulation E which entitles me to a provisional credit so that I may temporarily utilize the funds while they complete their investigation. It should also be taken into consideration that I have been a Netspend customer for over 2 years.

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 2018-11-25 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: SC

Complaint narrative:
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried countless times to resolve this issue I called in on, XXXX and spoke to a XXXX at XXXX and we went over how incorrect information was being reported on my credit and I still have not received a updated credit report with this information removed. My date of birth is incorrect I have sent it mail and called and this public record is on my credit that doesnt belong to me. Im not sure how its even placed on my credit when my DOB is not correct. This is bad credit reporting on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We entered into a mortgage agreement with Wells Fargo in XXXX. At that time, our loan was securitized. The pooling service agreement ( PSA ) that applies to the loan does not limit the number of times the loan can be modified. The loan was modified a number of years ago by Wells Fargo via adjustable rate modification that was executed in XX/XX/XXXX and we completed. The loan was re-set to the original terms of the loan. In XX/XX/XXXX, Wells Fargo modified the loan again and transferred it to XXXX. The monthly payment and interest rate essentially remained at the original levels. We applied for another modification in XX/XX/XXXX which has been denied. One of the reasons that Wells Fargo, who is now the loan servicer, provided to us in writing is that we have exceeded the allowable number of modifications of the loan. This contradicts the PSA. Wells Fargo has also informed us in writing that we do not meet the requirements for loan modification but have not provided us a written explanation of what the requirements are. Wells Fargo verbally informed us that the investors that own our loan do not want to allow us to modify the loan at this time. Wells Fargo has approved us for a Short Sale of our home. We appealed Wells Fargo 's decision to deny our mortgage modification application and our appeal was denied.

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 2018-11-25 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: SC

Complaint narrative:
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit 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 2018-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted TransUnion, XXXX and XXXX  and asked them all to correct the inaccuracies on my credit 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 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a XXXX I borrowed emergency money from my pension from the state of NJ in the amount of {$3000.00}. I used the mobile application for bank of america. It said the funds would be available after XXXX XXXX the next day. The deposit was made on XX/XX/2018 so the funds should have been available on Tuesday XX/XX/XXXX. I get another alert the next day saying there was a 10 day hold until XX/XX/XXXX. I immediately called the bank. They said they couldn't stop the transaction or lift the hold. I wanted to know why I was not alerted at the time I deposited the check as to the hold that would be placed on the check and given the opportunity to continue the transaction. I was also told the funds would be available the next day. then to be told it would be 10 days. I have lost so much money. Funds have come back, I have late fees, I could not pay anything. It is a state check it should not have a 10 day hold. I should have been alerted at the time of the deposited and given the opportunity to go deposit the check somewhere else. As to not have anyway to rectify this and to hold on to that money for ten days seems to me severe and unacceptable and false information was given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25 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: CA

Complaint narrative:
I am simply trying ( having just spent an hour in my account at Navient.com ) to payoff my federal student loans in full. Navient, unlike Sallie Mae from whom Navient took over these loans, makes it pretty much prohibitive to do so : there is no option anywhere on the site to pay in full AND CLOSE THE ACCOUNT. There are options to make payments, but there is no final disposition option. I do not trust this company, if in fact I pay my balance, to close out these consolidated loans. In the past I have tried to pay off one of them in full but Navient just applied my payment evenly across both loans ( it was obvious given the amount paid that it matched the balance on one of the accounts ) so it could maximize the amount of interest it was getting. Now I just want to close this out and given that they literally do not provide that option on their site I have no confidence that my payment will in fact close this out, rather, that I will have this loan lingering. Note that their tactics- to inhibit/prohibit closing out accounts and thus eliminating their fees- is simply fraudulent, deceptive and maddening.

Company response to consumer: Closed with explanation