vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
reporting error costing me loans fcra violaiton and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Original Total Loan Amounts : {$10000.00} and {$19000.00} both dated XX/XX/2005. Made all payments on time. Guaranteed interest rate was 1.875 %. Navient changed my interest rate to 2.875 %. Accidentally made XXXX  XXXX XXXX Online Payments to spouse 's Direct Parent Plus Loan on Daughter, XXXX 's Account., rather than on my own personal loan. When error was discovered XXXX   XXXX XXXX Manager, myself and Sallie Mae manager resolved the issue immediately and payments were made immediately to rectify the problem. Dept. of Education FSA sent refund checks for overpayments to Parent Plus Loan since that loan had already been paid in full. Navient changed my interest rate to 2.875 and after many letters and phone calls to them they have refused to honor the correct interest rate of 1.875 for years. They may have already changed my interest rate prior to this error having taken place. I have always paid and continue to pay all of my bills on time and it is unjust that those who pay their bills are treated unfairly. 

Another complaint is also being filed in regards to my spouse 's parent plus loan through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX  and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX  credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX   tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. 

As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
A mortgage financial company is providing refinance funds to refinance my property at XXXX XXXX XXXX, XXXX, NY. Select Portfolio Servicing ( SPS ) has been offered a {$850000.00} short payoff amount. The principal owed is only {$680000.00}. The additional amount represents additional fees and interest. 

I, as well as my authorized representatives, have been negotiating with SPS. They are often put on hold by the SPS representative and nobody returns on the line an hour later. Two months later, I do not have a response from SPS. The last time I spoke with a representative on Tuesday, XX/XX/2018, she said that I did not include the date under my signature in a Hardship Letter that I had provided ( the letter was dated XX/XX/2018 ). Even though the top of the had the date, I printed out a copy and, included the current date under my name. The SPS representative said I would hear back in 24 to 48 hours. It has been a week now and I have not heard anything. 

SPS is putting me in a position that I may lose my property because the bankruptcy judge does not believe I am trying to resolve this issue with SPS. I will have to escalate this action to a legal one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..I disputed the accounts with the credit bureaus for months but they did not take any steps to remove the accounts..CFPB Please step up and delete the accounts UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you 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 2018-10-27 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: MD

Complaint narrative:
I have disputed this account XXXX with the original collection agency. Which resulted in a deletion with XXXX and XXXX. This account Still Remains on Experian as verified which is a violation. I asked Experian to send me all verification and papers and documents pertaining to this account, which they have not provided. If this matter can not be resolved in a timely fashion I will file a claim in small claims court to recoup all damages.

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 2018-10-27 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I have disputed the late payments XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I fell behind on my mortgage after losing my job because of my sons XXXX. I tried in XXXX, XXXX, and XXXX to get a modification however Freedom Mortgage has denied this request after providing proof on my income. They have told lies about the process and even sent a letter stating the sale was postponed but then filed nothing with the court.

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 2018-10-27 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: NV

Complaint narrative:
In XXXX of 2018 I discovered a fraudulent account that did not belong to me on my file being reported through monitoring service for around {$100.00} I made efforts to contact the company in efforts to get to the bottom of this account not belonging to me. I was Directed to the original creditor for this account and was told that although it did not belong to me and it was not my account that it could be deleted off my file if paid. So I paid the amount asked for in which I was given a letter stating I paid the amount needed. I noticed months later that I was still being contacted about this account and this account was still being reported on my file. Although this account did not belong to me and has been reported in good efforts I paid this account in full and it is still being reported. I called and spoke to the Owner XXXX who told me his name was XXXX XXXX in which he sounded drunk over the phone. I was very polite in our conversation although nothing seemed to conclude this situation.

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 2018-10-27 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: GA

Complaint narrative:
I have disputed the late payments XXXX XXXXXXXX, XXXX  XXXX accounts for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-27 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: GA

Complaint narrative:
I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
There were unauthorized charges to my account from a Merchant XXXX XXXX XXXX. I contacted them and after numerous emails they acknowledged that my card had been used for separate accounts. They said they would return monies owed if I could provide them transaction codes linked to charges. I contacted Netspend asking for such codes. Netspend wasn't  able to provide me with any. XXXX XXXX said they couldn't process refund without them. It was suggest I file a claim. I did file a dispute with Netspend. After 45 days I received a letter telling me that upon investigation they didnt find any errors and would not be issuing me a refund. Yet they accidentally  credited my account for the international transaction fees after denying my claim. I have emails from XXXX who states upon their investigation they determined their was fraudulent use of my card. Their intention of returning funds. Netspend can take my monies back and wont. XXXX XXXX says they additional information. I am not sure what recourse I have because this a prepaid card through XXXX. The merchant acknowledges fraud. I said it was fraud. Why doesn't Netspend move forward and take back monies

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had made a previous complaint regarding XXXX XXXX because the balance was wrong in your credit report but yet it was right in your dispute center. Went to check again. Your showing that I have one account but yet when I go to dispute XXXX XXXX your showing two accounts. I knew XXXX XXXX was going to be added to my credit report and didn't know when it would be added. Can you please explain why this happening and why XXXX XXXX is not being shown in my report. This all seems backwards twice in a row in a short period of time. I can't see XXXX XXXX in my report but I can dispute XXXX XXXX! Makes no sense whatsoever. I am uploading the information. Please send me an updated copy of my report with XXXX XXXX in it by mail.

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 2018-10-27 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
At the beginning of XX/XX/2018 I started to receive notifications that Waypoint Resource, Group XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent Waypoint a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from Waypoint however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit.

3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft.

4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report.

5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error.

6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened.

7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies.

8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and Equifax did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
I have requested a short payoff approval letter for {$60000.00}. This is the second mortgage on my property. Two months later the mortgage company has not responded with a payoff approval letter so that I can refinance this property. The second mortgage is delaying my efforts to refinance my property.

The second mortgage, Ditech, is putting me in danger of the making the bankruptcy court to eventually sending the property to a foreclosure upon and sold at an auction sale. My attorney has informed me that the second mortgage will not receive any money from the foreclosure auction sale if this happens. 

I need a response from Ditech Financial LLC if it is going to give me a short payoff approval letter that it is accepting the {$60000.00} as soon as possible. NOTE : Ditech needs to communicate with my attorney, XXXX XXXX or the mortgage finance company representative, XXXX XXXX ( XXXX ) XXXX, to let them know if Ditech will be giving me a short payoff approval letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This negative remark keep popping up on my credit a nd no recollection of this account and I have no contract with any third party because this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018 my account was charge twice for the amount of {$110.00} and {$170.00} from XXXX. The valid amount is {$110.00} and the invalid amount is {$170.00}. I have called both parties XXXX and chase for a refund. XXXX said they wont be able to do anything and I must called chase I then called chase and they had said they will place a temporary credit of {$170.00} which I never received. I called chase again today XX/XX/2018 and I only received attitudes and was told they cant do anything at the moment. All I want is my amount of {$170.00} I dont have anything to feed my kids or myself Now because of this. 
Thank you, If you can please help it will Be very much appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and XXXX did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been 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
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.

Company response to consumer: Closed with explanation