vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: U.S. BANCORP
State: NY

Complaint narrative:
I paid my account in full and closed the account. The company is refusing to report the correct information to XXXX XXXX. XXXX XXXX has requested the update on two occasions and on both occasions inaccurate information was given. As a result, my credit score dropped 100 points from XXXX to XXXX. 

I need help getting this company to report the accurate information.

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 2020-02-05 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: CA

Complaint narrative:
On XX/XX/2019 my Federal student loans were discharged due to XXXX ( XXXX XXXX XXXX ). Despite several calls to Navient to see what my options were for a total permanent XXXX discharge. Navient refused to discuss the matter or offer any assistance. I researched everything on line myself, submitted the application and physician certification. Navient was NOT helpful at all, On XX/XX/2019 I contacted Navient, my student loan servicer, to discuss what steps I needed to take regarding a private student loan that they are servicing now that the Federal loans had been discharged. 
The loan was taken out as a XXXX XXXX loan in the amount of {$5000.00}. The loan is now at {$12000.00}. I understand the XXXX XXXX follows the Federal discharge process and that private loans will be discharged once the Federal loans are discharged. 
I asked Navient what the options were for discharge and they told me that I would need to submit a " separate form '' for discharge. The " separate form '' is not available on their website and they refuse to email it to me citing " corporate policy ''. The representative said the form would be mailed. I have called twice to follow up and still have no form. 
I have provided my physician certificate affirming XXXX to Navient electronically and via USPS. I have received no acknowledgment of their receipt. Navient is still collecting on the debt, still calling me, and still accruing interest and late fees. 
Today the Navient representative told me that my loan was not a Sallie Mae loan and is not eligible for discharge. How can this be when the lender was Sallie Mae? 
I am so concerned because I am reading disturbing things about Navient online. I want to have my private Sallie Mae loan discharged via XXXX but Navient seems unwilling or unable to assist me. Something is very wrong with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Spoke with American Express agents XXXX ID XXXX, XXXX ID XXXX from the Fraud department. Trying to clear some fraudulent debts from my name. That still hasn't been cleared from the back office from American Express. Both agents apologized as they stated American Express fraud claim procedure normally is handled and resolved in a timely manner. 

These accounts reflect balances that were a result of fraud and unauthorized purchases. 

GOLD : {$3800.00} GREEN : {$1700.00} BLUE : {$1200.00} I mailed by certified mail last year the statements to American Express however the balances were never cleared. 

I am attaching to this complaint the statements highlighted with the fraudulent charges to clear the matter and debt from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX  discharge. 


FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. 

Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. 


DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX   XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
There was a problem with the closing on our refinance mortgage from Quicken Loans. We were set to close in XXXX -- we received the closing documents from Quicken Loans -- and we had the closing documents notarized on the appointed day by the notary and they were given to the title company. 

After that, we waited about 3 weeks but the lender did not reply to us. Finally I got some kind of e-mail from the title company saying the loan had been rescinded and I contacted the lender, Quicken Loans to find out what was going on.. 

Initially it was very hard to get anyone to help us and explain why this happened and how to fix the situation since each department is very specialized and each department in turn told us they didn't deal with a loan that had been interrupted or rejected. 

Finally the post closing department at Quicken Loans told us by phone and e-mail that our loan had been stopped because the paperwork ( which was done by Quicken Loans itself and which they gave to us to sign by the notary during the closing ) was done incorrectly -- that is to say the figures were calculated incorrectly. In addition, we saw the dates were wrong. 

They said that the whole loan would have to be re-done and it had been sent back to the underwriters. They didn't know how long it would take and there was no way for us to communicate with the underwriters because they don't have any contact with the public. 

So, we waited a month or so, and then Quicken Loans finally got back to us in XXXX and said the loan was now re-written and could go forward but that we needed to have a new appraisal for the house and a new notarization. 

However, this time the appraisal didn't go through. The problem was that we were converting our garage to an XXXX and the construction was in progress. The appraiser said that we needed to have an open garage space to pass the inspection, so we tore down whatever walls we had built internally in order to satisfy the appraiser. She came again and said that we needed to show that a car could drive into the space, so we tore down the wall over the garage door and took off the garage doors. Next she came and told us that the yet to be installed electrical wires that were hanging down from the ceiling for the construction needed to be removed because they were considered a safety hazard. We also had those removed. 

At this point we are awaiting another visit from the appraiser. We hope it will pass this time. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Visa credit card issued by Synchrony Bank in conjunction with Chevron Oil. Participating Chevron stations offer a discount on the pump price of gasoline when using the card. The discount was not applied three times that I have used the card. The first two times the bank was apologetic and told me the problem would be fixed by the dealer reprogramming his gas pumps. Also Chevron sent me a gift card for my troubles. 
This last time, for whatever reason, the bank has not responded to me ; neither has Chevron. After a month of waiting for a response, I contacted the bank again and they said it could be another month. Why does this suddenly take two months ( or more? ) to investigate when it only took a few days previously. And why does this keep happening? 
The latest incident occurred at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX, XX/XX/2019, XXXX. The pump price was {$2.00} and the discounted price, which I should have been charged, was {$2.00}. I purchased XXXX gal of unleaded regular on pump # 4. 
Obviously I have a receipt. They should too in their electronic record of the sale.

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 2020-02-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Charged for a returned item not by the original company but after account was closed a debt purchasing company purchased the non existent debt and is now harassing and ruining my credit. Disputed more than once and nothing has chamged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We are attempting to refinance a mortgage that was originally financed through Wells Fargo Bank in XX/XX/2001. For the refinance we asked Wells Fargo and XXXX  for quotes. XXXX XXXX offer was best so we decided to go with them for the refinance. During the process, the title company found an additional lien from Wells Fargo on the property. They and we both called Wells Fargo. Wells Fargo said there was no such lien. We continued to call throughout XXXX and XXXX to be told the same thing, but the county recorders office continue to show two liens from Wells Fargo dated the date of the original finance. Finally mid XXXX I sent a letter to Wells Fargo Lien Release Department reporting the issue and they said they would investigate the matter. I was told it would be resolved by the end of the month. 

XXXX came and the matter was not resolved. They sent an extension letter saying they needed more time to look into the matter. Two more extension letters have come since then. It's now XXXX and our refinance with XXXX is still on hold since XXXX, b/c Wells Fargo is holding things up. It is my belief that if they can not find any information about the lien in question, then they need to put that in writing and let the title company proceed. I believe Wells Fargo is just attempting to force us to stay with them by creating barriers to the refinance with 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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to dispute a billing error in the amount of XXXX on my Chase Credit Card account. The amount is inaccurate because I signed up for a class that should have had 40 hours of interactive classroom training. I paid for a classroom format, XXXX XXXX   XXXX training that should have included 4 days of group activities, real world examples, Trainer notes sample question paper & case studies along with certification. None of these were received and I found out this company is a scam. This company immediately tried to reschedule the class. They claimed a medical emergency for their trainer ( 10 days before the class ). Unacceptable business practices. I am out the deposits on the hotel and the charge on my credit card. I signed up for a class ( and paid for it ) on XX/XX/XXXX and by XX/XX/XXXX 10 days before the event they were trying to reschedule it and/or move to a different venue. When I checked on XX/XX/XXXX I saw that you can still sign up for this class. I contacted XXXX which hosted the merchant at the venue ( https : XXXX ) and filed a complaint due to the fact that they had a 100 percent cash back guarantee. I filed a dispute with Chase Credit Services in XX/XX/XXXX to make sure that we would be able to recoup funds since the merchant is based in XXXX. Chase credit services has replied back saying that due to no response. I looked and saw that since I have paperless billing they had emailed me to ask sign documents and re-open the case which went to spam. The document said they that findings show the charge was valid because of a certification that I never recieved said certification. As of today XXXX I have not received a reimbursement for the class. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of email thread along w/ sales slips and payment records supporting my position. Additionally I provided merchants information about the event They operate under different alias as they conduct shady business practices. I also have show refund information from XXXX supporting my position and email thread from merchant to get refund. Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Missed credit card payment in XXXX, and XX/XX/2019, with XXXX XXXX Credit card through Bank of America. The balance was {$26.00}. 

I had the impression that my credit card was on autopay just like my wifes. She set up both of our cards for autopay at the same time. She followed the credit card companys online instructions. Apparently its an issue for a lot of people cause there were a lot of people asking how to set that up on their forum. Her card was successfully set up and have been paid every month so She assumed that mine was too. Shes the one in charge of bills in our household. I honestly didnt know that my cars wasnt set up for autopay like the rest of my other credit cards until my card got canceled. There are articles that tell consumers how tricky it is to setup credit card autopay with BOA. 

She had called BOA and explained the situation and I tired to reapply for another credit card. Giving our high credit history and never missed any credit card payments, BOA rejected to reinstate the credit card and my credit is affected. It feels like BOA intentionally make their autopay system not transparent so they can charge late fees and interests for missed payment. Please advise what we can do to restore my credit and reinstate my credit card.

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 2020-02-05 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: MI

Complaint narrative:
I received an alert for a credit inquiry from XXXX XXXX I disputed the credit inquiry with the company and was told it would be deleted. As a follow up I reached out to Experian to delete the inquiry as well and it was not done with no explanation provided. I did not authorize this inquiry of 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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
" I am writing again to reiterate my request for assistance. I really have no where else to turn and can not believe I am being denied help on the basis that the delinquency amount is too high especially considering how many times in the past I attempted to obtain aid. Your response has proven that I am nothing but a number to you and your affiliates. Yes, I see clearly where it was outlined in XXXX and XXXX ( my initial pleas for help ) that your lifeless computers and investors used a formula to determine I was not worth the time, money and effort to assist. I don't care if it was a similar procedure to the one used by the Making Home Affordable Program. I urge you to remember that it was put in place to help people like me. People who where struggling to keep their homes through proof that there was financial hardship ( s ) AND still an ability to make the monthly payments after a potential modification. The current reason for my denial is the delinquency of my account. I understand that, however, this would not be the case had I been approved the first time years ago. I have a way to pay, I just need this chance. This home is my life and I don't want to lose either. As it stands, I already have enough battles with my XXXX. Every time I have another session for a my XXXX, it leaves me completely drained. I am not able to think straight and I can not function like I normally do. This is not an easy process for me. Never did I think in all my years that I might one day have to go through this kind of trial. Everything is being taken from me as my years and health slip by the wayside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING 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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
I contacted the collections agency below to advise that this is not my debt. I asked for proof of contract etc. I was hung up on. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX several times and it has not be proved to be my debt no removed. I called XXXX  XX/XX/XXXX asking what should be my next steps. I was told to contact Medical Business Bureau again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Medical business bureau back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Medical Business Bureau. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX  and medical business bureau and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Medical Business Bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone : ( XXXX ) XXXX Medical Business Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: AL

Complaint narrative:
A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified Experian and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by Experian stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.

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