vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened>> 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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
To whom it may concern : Fay Servicing LLC : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.

Account number XXXX.

Due to a family hardship, in XX/XX/XXXX, we applied for a loan modification with Fay Servicing LLC. We were approved for a loan modification with trial period of three months and with the new monthly payment of {$3200.00} Fixed interest of 3.78 %. The modification took a long time to be written up and in the mean time we kept paying the {$3200.00} every month until finally in XX/XX/XXXX all parties signed the required paperwork for the Mod. Few days after signing the paperwork, the account manager XXXX XXXX XXXX of Fay Servicing, called and told us that we had over two thousand dollars in the suspense account and that we could use that money for the XX/XX/XXXX payment, so we only had to pay the difference which was {$1000.00}. Unfortunately, the payment for XX/XX/XXXXwas already processing and could not be stopped. So I called XXXX XXXX XXXX  and asked if I could use the money in the suspense for the next paymentXX/XX/XXXX. She replied yes certainly and so we agreed on that transaction. Unfortunately, when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX  and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zealandia Holding Company, Inc.
State: FL

Complaint narrative:
I was strong armed into buying a XXXX XXXX timeshare membership on XXXX2013. They wouldn't let me leave by trying to tell me other benefits to the membership. They mentioned that the timeshare maintenance wouldn't be more than {$1000.00} for the year that I use the timeshare, which I signed up for even years. Then they also mentioned that I would be able to give the timeshare back if I do not want it and the membership I was purchasing was from someone that did turn it in. I have tried to get to a resolution with the company but they said that I can not return the timeshare or change title until the loan is completely paid off. I haven't used the timeshare sine I purchased it due to none of the resorts being available thru the membership - but units at the resort were available online at hotels.com for cash. I only was able to exchange points. Plus the payments have to be automatically otherwise they said the interest rate would be higher, which I wasn't told when I purchased the timeshare. Plus the loan isn't even showing up on my credit, so I have no way to know how much is still outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient improperly removed a 0.5 % interest rate reduction as part of their Student Loan Rewards benefit written into my Masters Promissory Note.

They sent me a letter on XX/XX/XXXX that the benefit had been removed from my account ending in -XXXX. However, a payment was submitted via autopay for {$170.00} on XX/XX/XXXX, which should be marked as an on-time payment and continuing to qualify me for the benefit.

Since they removed the benefit on XX/XX/XXXX, my interest rate increased from 4.5 % to 5 % per day. This is costing me an addition {$0.00} a day in interest that Navient is not entitled to.

I reached out to Navient on XX/XX/XXXX asking to get this resolved by Tuesday, since it should be a simple check and fix. However, I have yet to hear back from Navient regarding this matter at all, which is why I'm here to make a formal complaint.

PS - I have attached the letter in question, proof of my payment straight from Navient 's website, and a blurb about the terms and conditions of the benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: UT

Complaint narrative:
I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX  and they have no record of me or any accounts with my SSN. This is not my 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 2018-05-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a hard inquiry for a credit card at Walmart and I have never applied for a Walmart credit card. I am trying to have it 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 non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC
State: CT

Complaint narrative:
Today i went to apply for credit and was told I owed a balance to a company. I called the company and I was told it had been sold, I had to call 3 phone numbers before getting the correct company. I left a voice mail and received a return call. The woman stated she spoke to me on XX/XX/2018 and validated the debt and mailed me the documentation. I advised I did not recall the conversation however I have a lot of things going on. The woman gave several different company names which I never heard of. Sh than said XXXX and I told her I never purchased from XXXX. She said I purchased beds and had old ones removed. She game me a address and I explained I did not live there at the date she was providing. She also stated I paid in the store so that proved the debt was accurate. I advised anyone could have signed my name and she disconnected the call. I called the company back to make a complaint and I was told they would not speak to me any more that they were going to put it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016

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 2018-05-31 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: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX Transunion and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.

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 2018-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX XXXX  and Equifax credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX  online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on Experian XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.

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 2018-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016

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 2018-05-31 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: GA

Complaint narrative:
My wife is currently enrolled in the Public Service Loan Forgiveness ( PSLF ) Program, and has been working at a XXXX ( XXXX  ) XXXX since XX/XX/XXXX. In XX/XX/XXXX, she submitted an employment certification form to verify her umber of qualifying payments to then be 22 in total. XXXX instead recognized 12 of these payments. The discrepancy relates to the transfer of her loans from XXXX to XXXX when enrolling in the PSLF program, not any disqualifying factors for the loans held. They are the correct types of loan, are consolidated, and she has been making appropriate and timely payments. 

On XX/XX/XXXX, we called XXXX to fix the issue. The customer service agent agreed it appeared all of the payments should be qualifying, and flagged her account for a fuller manual review to rectify the number of recognized qualifying payments. We were told this should take 90 days. On XX/XX/XXXX, we called again. We were told that it actually is a 60-90 days window, but that there is a backlog of reviews, so it could take longer, and that we should call by XX/XX/XXXX if the account didn't appear correctly online before then. On XX/XX/XXXX, we called and were told that the agent can see the review as pending in the system, that it still has not been completed, and that the backlog is between 4-5 months, and to call back " in several weeks ''. We are now at 133 days from the date of original follow up, and even further past the original date of form submission ( XX/XX/XXXX ). We have no resolution, and no one can tell us when we can expect any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: NC

Complaint narrative:
Good afternoon, I need to know my rights concerning receiving statements concerning my mortgage. My mortgage was transferred to another company starting in XX/XX/XXXX. However we were on a repayment plan and made the final payment to the prior mortgage holder and they did not take the payment they sent it back. So we contacted the new mortgage holder to ask what to do and they could not tell us anything, so they sent a packet with 3 months of payment slips to mail in with our payment for which we did and did not receive any statements at all and still havent received any. So I called to get the loan number to make my additional payments and that was when I was told we were placed in Loss Mitigation and of course I was shocked and informed them that we did not have any clue of this, so of course we talked to the old lender and was told if we made a payment of XXXX on XX/XX/XXXX then our account would be current of course when we called to make that payment we were told that we are still 2 months behind. Still no statement, so then we were told that we could do yet another repayment plan but of course when we called to set that up we were told we could not. So my question were they not suppose to send us statements, how else are we suppose to know our status. Also I was told they put a stop of some sort on the statements and that did not make any sense to me. If so what are our rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a mortgage through Cit bank in XX/XX/XXXX. At the time of getting my mortgage, I provided insurance information for both the condo building coverages as well as my own private insurance. In XXXX, they transferred my loan to " XXXX XXXX XXXX '' servicing center. 

Without notifying me or getting my consent, XXXX then decided in XXXX to start applying a " Hazard Insurance '' to my mortgage. I already have insurance, and Cit bank should have transferred this information to them when my loan was transferred. This is appalling behavior and should be illegal. 

I called in to addrese this on XX/XX/XXXX and spoke with XXXX, ID XXXX. She told me I had to call their " Hazard Insurance Department '' and then hung up on me. I have tried calling Hazard Insurance and their phone wait times are over one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Contacted Wells Fargo Home Mortgage Co. at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to XXXX about the Net Settlement Fund in the Wells Fargo Inspection Fee Settlement letter and check that I received in XX/XX/XXXX. The letter indicated that " Your award was calculated in accordance with the Court-approved Plan of Allocation .... ''. The amount of the check was {$31.00}, Check # XXXX, check date is XX/XX/XXXX and the claim number is XXXX. My question to XXXX, after giving her my loan number - XXXX, was how " specifically '' was the check amount determined. Her response, after a 3 minutes hold, " my records do not indicate that such a transaction transpired. For clarity, at XXXX XXXX XXXX transferred me to her supervisor, XXXX, who answered at XXXX XXXX. XXXX could not answer my question either, therefore, at XXXX XXXX he said he would transfer me to the escalation department. XXXX, in the escalation department answered at XXXX XXXX. Mind you, I had to repeat all of the pertinent info to each individual. XXXX was not privy to the transaction either, and indicated I would need to speak with XXXX XXXX XXXX. At this point I'm livid, and refused to speak with a fourth person after being on the phone for 54 minutes. My concerns stems from incurring over {$200.00} in Inspection fees between XX/XX/XXXX and XX/XX/XXXX, in addition to over {$2000.00} in other fees. I don't believe {$31.00} is sufficient reimbursement considering what was dispersed. Other individuals that I spoke with regarding these Inspection fees are XXXX XXXX at XXXX extension XXXX at XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX extension XXXX at XXXX XXXX on same date.

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently open my credit card account with Chase. My card was flagged for fraud. I called their fraud department and was told to wait for a senior specialist to call me back. I have not received any calls. Therefore, I tried to cancel this credit card as it is not worth the hassle for me to pay for an annual fee when I can not use the card. However, the customer service representative is unable to close out my account. As I am unable to close my account via phone, I have sent a letter requesting the closure and have not heard any response. Therefore, I am going through this channel to get this account close.

Company response to consumer: Closed with explanation