vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 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: LA

Complaint narrative:
Equi fax , Inc.  is not reporting the correct i nformation from the employer in that on the amount paid not showing Historical Account Information whi ch is incorrect. I told Equifax this on several occasions but still doing it. The information show that on  XXXX /2017 no data available but at the top the last payment was on  XXXX / XXXX / 17  for {$90.00}. The historical account information is what Equifax is adding to the account which is incorrect. On  XXXX /2017 showing no payment but show amount past due as {$0.00}. I need for Equifax to stop using historical account information because it is sending the wrong message and this is what Equifax is doing on its own and need to stop because this is hurting my credit report Instead of putting down date of payment, balance, amount of payment, schedule payment and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I 'm  XXXX   USAA closed my account because someone stole my account information and deposited a check into my account. I advised them it was not me and provided my drivers license and even asked them when I was notified a check was deposited that it was not me and to please stop the check or close and reopen my account. I never heard or received warning and my account was closed. My dad has been with them for 30 years he added me with USAA now I 'm blocked f rom them and it 's making me look horrible when trying to open a bank account. I called  XXXX   XXXX  to see if they can relook at the issue and heard nothing. I wa s with USAA for years an d never had a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Transunion - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three 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 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of r egulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Check Security Associates, LLC
State: FL

Complaint narrative:
First of they call back to back numerous times. Finally I said let 's break of in payment and send it for me to go over and sign. Then I emailed and said dates are not right. They can call but they wo n't talk threw email or letter and with me I like things in writing. So they called back to back again 2 days straight so today I finally answered but when they started talking I had to hang up because my boss walked in. So they called numerous time after that then called a relative telling them all my information and that to me is unprofessional. My relative called me upset asking why they telling her all my business. I 'm so upset right now because this is unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: TX

Complaint narrative:
Experian send out disputing results with a statement of items have been updated but you can see the problem right away.

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 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
There is a unknown medical charge of {$590.00} which no way do I owe. I have disputed and received nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The problem arose when I tried to change the bank account from which my monthly mortgage payment is taken.     I spent hours over 3 days trying to change the account online, as well as talking to a number of people on the phone. I eventually found out that what I thought I could do myself online could n't be done.     Chase wasted a lot of my time and would n't do anything but apologize on the phone and offer to send me a letter of apology, which would n't even be signed by a person.  <P/> I did n't pick Chase to service my mortgage so I ca n't take my business to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: GA

Complaint narrative:
Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offic e. Press 1 no w to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates (   http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
For the l ast two months, Chase 's w ebsite has only work intermittently. This has made it difficult to manage my accounts and use the online bill pay functions. At first I thought it was a temporary issue will updates were made, but the problem has persisted for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
hello, my name is  XXXX   XXXX  and it is regarding a BMW account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agenci es ) .   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent and are proceeding to sale set for  X/X/17    - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: FL

Complaint narrative:
There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file

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 2017-06-02 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: CA

Complaint narrative:
On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I have been trying since  XX/XX/XXXX  of this year 2017 when I was laid off until   XXXX   XXXX    2017  when I finally went back to work to get payments straight i got behind during the lay off and have been contacting and trying to get this straight I completed all the paperwork they sent me over and over because the keep saying things are missing I always catch up my payments after a lay off but they will not work with me they sent out a demand letter after i had been contacting them as soon as I knew about the lay off and that i would have to make up payments because i had no income during this time and all they did was send paperwork and keep asking for more and more and refusing to set up the payments they will not talk to me I am fed up with this company I know they can help me I have worked with other mortgage companies and they always help but I think this company is stalling so they can take our property behind out back I ca n't afford to lose my family and I have no where else to go we need our home we need help fighting this company and getting them to help us with catching up and getting back on track which can be done if they would just listen to us and help us get these payments paid oh the companies is FAY SERVICING LLC and they are awful we had a mortgage with   XXXX   XXXX   and they sold or traded our mortgage to this company last year with out our knowledge until it was all done and we have had nothing but trouble ever since they are mean hateful people and will not discuss anything they just keep saying that they ca n't help because the demand letter has been sent out that is a  crock       XXXX   XXXX   sent out demand letters as well but they always helped us work out payments so we could keep our house this company is not out to help they just want to take everything I have worked hard for and I ca n't let the do this I need someone to listen to me and get this company to listen and quit saying there is nothing that they can do for us ..

Company response to consumer: Closed with explanation