vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to 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 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I tried to lower my payment based on my income and they said I could n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital  one {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On  XX/XX/2017    experian charged me {$21.00} for a credit monitoring service and the following business day I contacted my financial institution. I came in and they stated it needed to be disputed with experian and called them. Experian stated it could not be refunded because it was in the fine print of the {$1.00} fico score I payed for. They also stated they did n't have a customer relations department I could speak to. This all resulted in other auto drafts in my checking to go into overdraft and I the customer am left eating the entire cost. Completely unacceptable.

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 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag  ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history.
I had several 2 hour phone conversation being on hold several times, bein  g transferred back in forth. At this time I do n't see any changes made to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello, I started a loan modification on  XXXX  which is 3 months prior to when I was told to commence my loan mod for my HELOC loan that was coming due with SLS on  XXXX .   I have been working diligently with SLS to complete this loan mod. Its now been 7 months.   My credit was always  XXXX  all my life. Because of the grossly laps in time that is takes to complete this process  my credit score a s of  XXXX  is now  XXXX .   It is SLS protocol that SLS will not accept nor allow me to continue to make my monthly mortgage payment to  SLS  during the Mod process because the loan matured on  XXXX .   I find is extremely unfair, unjust and outright damaging to me that all my life I have significantly made my credit of importance to me and now in a matter of 7 months my credit is destroyed because I am not allowed to continue to make the monthly payments like I have in the past not missing one payment and by the way I am financially able to make the payments.   SLS should NOT be reporting to the credit agencies during the loan mod processing time it takes to finalize this mod process and damaging my credit for absolute no reason at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective  XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until  XXXX / XXXX / XXXX , then started again  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment.  Well  that 's  XXXX  because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I told them I did not live at that address but they put it on my credit report so I disputed it.   It was removed but put back on After the 7 year statutory period. I have Never lived at  XXXX   XXXX   XXXX ,  XXXX , Ny  XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: FL

Complaint narrative:
The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to rea d it.She to ld me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 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: NY

Complaint narrative:
I work as a   XXXX   XXXX   XXXX   at a   XXXX  (  XXXX  ) (  XXXX  )    XXXX   XXXX   XXXX   XXXX   XXXX  . We are funded in part by  XXXX   XXXX   XXXX . In  XXXX  I submitted certification to participate in  Public Interest Loan Forgiveness  and my employer,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and m y employment was certified on   XXXX   and   XX/XX/XXXX   respectively. My employment was certified and I was given credit for 8 qualifying payments made between my start date at my job   XX/XX/XXXX  and m y certification end date of   XX/XX/XXXX  .     Absolutely no information has changed. My employer is a  XXXX  (  XXXX  ) (  XXXX  ) organization and clearly qualifies for PSLF for its employees.     On   XX/XX/XXXX   I submitted an employer certification to track my progress and on   XX/XX/XXXX   I received an electronic noitce with a letter titled " WE COULD NOT ACCEPT YOUR PUBLIC SERVICE EMPLOYMENT CERTIFICATION '' The letter then states they have " determined that you  may  not participate in employment and payment tracking for PSLF or that we need additional information to complete our review '' It then tells me my certification is under review, but does not give any reason why my certification was rejected and does not ask me to submit additional information. It gives me no options to address this absolutely bogus response to my legitimate employment certification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WA

Complaint narrative:
NETSPEND WILL SLANDER YOUR NAME. They ca n't use the same verification process for everybody for whatever reason, and will allow ANYBODY to open an account under your identity without proof. They will then force you to claim ownership of anything made under your name, but due to discrimination, they will not allow you to gain access to information, submit fraud claims against problems, nor will they treat you with respect during customer service calls that you 'll have to place weekly for 7+ months before seeing ANY progress made. Do n't worry out of curiosity, even after all that, you 'll still leave with unsolved problems, Recently hired a lawyer to consult me through my problems with Identity theft and I 'm finally figuring out who was helping my name become compromised! Netspend has recently had to send multiple checks to me in order to refund MY money that was placed in their " bank '' with trust. It to over 7 months ( and weekly unsatisfactory phone calls ) to receive {$590.00} of my remaining balance after they decided that closing out accounts with money still in them, Lying MULTIPLE times of the whereabouts of MY money and treating me with utmost disrespect and condescending nature about fraudulent accounts opened under my name with no verification process would be easier than just doing what real banks do and VERIFYING IDENTITIES, I called to ask for information. Since I have been fighting Identity theft for quite some time now, I 've dealt with multiple companies, but Netspend was the first to know when I reported fraud before I even knew what was happening and yet, they seem too eager to hire inadequate employees who ca n't verify your information, but can allow an account to be opened without your knowledge, approval or authorization. They allowed FIVE accounts to be opened under variations of my name. Some of which, did n't even have an email address, but were pinned to my name and " verified '' with my STOLEN ssn. It 's crazy how little security goes into opening accounts, but they have all the security in the world to protect information used to commit fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to read  it.She  told me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: FL

Complaint narrative:
The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion deleted the inquires on my credit report. Later TransUnion added the same inquires back on my credit report without giving written not ice five days prior to them re-adding them. I contacted TransUnion in good faith to ask them to  delete the inquiries that they had illegally readded them. I spoke to  XXXX  ( will not give me a employ ee ID or last name ) on  XX/XX/XXXX  a  ro und   XXXX   and she refused to do anything about it. I explained that I know TransUnion ha d two co mputer glitches, and also that I know my consumer rights. She said nothing can be done.     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 2017-04-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion began inaccuracy investigations on   XXXX   XXXX  ,   XXXX   XXXX  , AND  XXXX   XXXX   XXXX  ON   XXXX   AND COMPLETED ON  XX/XX/2017 .ON   XXXX     an inaccuracy investigation was done on US Education which also completed on   XXXX  .I have complete records and proof.The investigations were begun on Transunion on-line investigations separately and completed together on-line which is of no legal significance .All of the paperwork is dated which I previously provided TU AND CFPB.TU says they have done nothing wrong or illegal yet they have and lied to CFPB as well about the  initiation d ate, which I later attached to another CFPB case regarding this.It is of no consequence, according to law, when the furnishers received due to  TU ' s incompetence or lack of adequate computers/ employees.TRANSUNION BREAKS THE LAWS HERE- ATTACHED FROM THE FCRA and lies to CFPB with impunity. ( THEY SAID SORRY FOR THE LIE ) TU should fire the  TU  employee who is answering the CFPB ... they are scofflaws, incompetent and maybe drunk but they put TU in position for heavy liability in court to me and fines by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
We were having trouble with the payments and the loan was in my moms name and she is under   XXXX   XXXX    which I did n't have to tell them because we found someone to buy the house and let us stay here as long as my mom is living, I wanted to keep the house but knew Ocwen would n't work with me on it. We had to do a modification a few years back and they said we did n't qualify for the presidents program. They wanted to know anything and everything and still did n't lower the payments any. Then they had to take out insurance because I could n't get any, because of a fire. They raised it up another {$140.00}. But when we started the closing they did n't want to give us the pay off quote, they kept changing it day by day, and did n't want to give the one handling the sale any help  or any information. They have been a headache every sinc e we had to refinance with them. I have been cused by some of the hounded and heassed by them at different times. They are one company I hope to never have any more dealing with and when we had to refinance that gave us a ballon payment of {$35000.00} in 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Is Experian beyond adhering to the Fair Credit Reporting Act. I have contacted Experian over a 3 day time span and have tried to get them to place hard inquiries that are reporting on my credit report under dispute however this was met with great difficulty and an inability to have this done by several of their agents. These hard inquiries that they are reporting are not factual and I received the answer from each one of the representatives and supervisors I spoke with, XXXX on XX/XX/XXXX, XXXX who was a supervisor in the Disputes Department ( XXXX XXXX ) on XX/XX/XXXX, XXXX who was a supervisor in the Special Services Department ( XXXX XXXX ) who called me back on XX/XX/XXXX after I had reminded XXXX that a supervisor was to call me back from my previous call with XXXX, and lastly on XX/XX/XXXX XXXX in the Texas Office, all stated this information is factual and they must by law report who accessed the credit report and if I had any disputes I must reach out to the creditor.
They are directly violating the FCRA as it reads according to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if they do n't investigate and respond, the CRA must delete the dispute information from its files. The very fact, that 4 representatives refused to place the inquiries under dispute, constitutes hat there was NOT an investigation performed. I am submitting this complaint as there was no investigation done on my request for the hard inquiries that do n't belong to me. This is blantant violation of the FCRA and Experian knows better than what they are doing. Not only is this a violation of the FCRA but also a violation of my consumer rights. Just in case they need a refresher, these are the accounts that were requested. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX I would like them to comply with all applicable Acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation