vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my third of fourth time contacting you and having Wells Fargo " attempt '' to contact me and resolve my issue. 


The first time I was assigned to XXXX XXXX. XX/XX/XXXX The second time ( XX/XX/XXXX ) I was assigned to XXXX XXXX who I played phone tag with for over a month. The last voice message said that WF had a resolution to my complaint and I would be receiving a letter. The letter said they did not have enough information to find the foreclosure. They never asked for it. 

So the third time I finally reach the representative ( don't have his name ) and we spend an hour on the phone while I contact the XXXX XXXX Regional Courthouse to get the information they wanted, specifically the street number. That was that. 

The fourth time was last night XX/XX/XXXX at XXXXXXXX XXXX when the agent wanted to know what the addresses were again. He said that there was nothing in the notations. I was irate. This is abuse on top of injury. 


What happened was in XXXX Wells Fargo foreclosed on my home ... .swiftly and when toward the end I tried to give them the back mortgage money, maybe 3 or 4 months, they would not accept it. They took my {$40000.00} equity. My credit score was XXXX at the time. I became XXXX and went into great trauma that I am still recovering from. These people are the XXXX of the earth.

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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company Chase, reaptedly calls my home phone ( XXXX ) between the hours of XXXX to XXXX everyday.

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 — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Navient, to consolidate my loans and apply for the income based repayment plan ( IBR ). I then spent the next 10 years working with XXXX XXXX XXXX as a XXXX XXXX XXXX   for various companies. 

In XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Navient. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by Navient that everything was in order, that I met all the requirements and I restarted the clock. 

In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been disceived by Navient. 

I then called Navient to inquire as to how this happened as I was laboring under the belief that I had everything in order. Navient confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The Navient representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by Navient. 

I have been mislead, misdirected, manipulated, and flat out lied to by Navient for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.

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: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/18 and one time before that I requested from Discover how they recalculate variable rate loans. Instead of just increasing the payment amount, they extended the loan term. This only benefits the lender not the borrower unless the borrower requests a lower payment. I have once again requested from Discover, my original loan documents to see what the agreement for recalculating variable rate loans was that I signed and also how they recalculate loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I wrote a detailed letters, 2 of which are attached that discuss : Apply for mortgage assistance Changing dates to reply to a final package submitted False and erroneous data on a lien search Mis-stating what was in the mortgage application. 
Not sending me full items on a decision timely Multiple mixed, confusing, and misleading messages on the status of the loan modification from multiple different persons

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: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX continually calls my house before XXXX, even on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Starting in XX/XX/2018 I have received a reoccurring charge from XXXX on my USAA credit card. I have tried every month to dispute the charge and ask to not allow the charge to continue. To this date I am still being charged. I cancelled the first card received a new card and USAA has continued to allow the disputed charge. No matter how many letters I send I can not get USAA to cancel the monthly charge. This has gone on for 7 months with no positive outcome. I have been charged XXXX monthly for a XXXX account I do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are two problems.

First, one is with my XXXX XXXX credit card. They recently increased my available credit line by {$200.00} and reported I owed them {$0.00}. At that point, both TransUnion and XXXX decreased by credit score by 69 points and 59 points respectively based on that report. XXXX XXXX has agreed to investigate for me if I send them a letter stating the problem but said they are unable to request a change by the credit reporting agencies. 

Secondly, before that, I disputed an account by creditor XXXX XXXX requesting proof that I owed the {$230.00} they had turned in on my credit record about five years ago. I received a letter from them dated XX/XX/2018 saying that they placed my account on hold status and that collection efforts were ceased. However, it is showing up as an open collection on my account with a {$0.00} balance. 

And now they are saying a new address has been added for me when I have not moved. I checked XXXX XXXX and no new address has been added. 

I have reported both these to Transunion and XXXX but it has only made my credit record lower.

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: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
My husband, XXXX XXXX and I, XXXX XXXX have repeatedly asked the XXXX XXXX to stop contacting us on our cell phones, and have given them our landline phone number. However, they continue to call our cell phones. When we remind them that they are not supposed to be calling our cell phones, they get rude and hang up on us.

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: Clarity Services
State: LA

Complaint narrative:
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: CA

Complaint narrative:
I received an half-sheet postcard of an advertisement in XX/XX/2018 that  said I could earn {$200.00} cash back when I spent {$1000.00} with my Walmart Mastercard. The offer was valid through XX/XX/2018. The  {$200.00} would be paid as a statement credit within 1-2 billing periods. According to my calculations, the {$200.00} should be posted to my account in XX/XX/XXXX statement. On XX/XX/XXXX, I live-chat online and was promised the bonus will be posted within 1-2 billing periods. On XX/XX/XXXX, I received a letter that stated they would review my account. On XX/XX/XXXX, they sent me a letter requesting me to explain the concern which I mailed back on XX/XX/2018. On XX/XX/XXXX, I call customer service and talked to XXXX who promised me the bonus with a reference # XXXX. On XX/XX/2018, I received a letter stating that my request had been processed and AGAIN, the statement credit will appear on my billing statement within 1-2 billing cycles.

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 2018-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
This company has very suspect application processes. As part of the final step for getting a loan, I was asked to provide my online banking login credentials. They made providing my user name and password part of the application process.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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: HEARTLAND PAYMENT SYSTEMS INC
State: LA

Complaint narrative:
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Multiple emails from this XXXX XXXX- some from XXXX XXXX XXXX some from a XXXX XXXX . 

Over the past year or so I have received no written notice regarding this debt and payment options. I do acknowledge I may be liable to pay this and will clear it- but am not comfortable sharing personal information and credit card over an email. They will not provide a call in number or collection person to make payments or where to mail in money order payments.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax consumer services XXXX, XX/XX/XXXX to request a permanent security freeze lift since I was unable to do it online due to an error code ( NH ). The representative from Equifax stated they wound need additional documentation ( driver 's license and social security card ) to complete the process. I could fax XXXX or mail the documents. I faxed the documents XX/XX/2018. I called later that day and was informed it would take up to 48 hours to process. I called XX/XX/2018 and spoke to a representative and supervisor but the documents had not been uploaded. I called XX/XX/2018 and the documents were still unavailable. I was frustrated and puzzled that the security freeze I placed on my credit could not be lifted after answering the verification questions accurately and giving the PIN number. When I called XX/XX/2018, I spoke to a supervisor and she asked what fax number did I use. It was the fax number to the fraud department not the security freeze department. I believe that is a breach in itself for a representative from Equifax to give individuals the incorrect fax number. I faxed the documents again to XXXX. I had to pay {$5.00} and travel to public places to fax my personal information because I do not have a fax line at home and I work from home. This was an inconvenience. I called back XX/XX/2018 later in the evening and was told the documents had been received and uploaded and the freeze could be lifted after I correctly answered the security questions. I had to answer the security verification questions every time I called. After waiting on hold for 10 minutes the representative told me he was unable to lift the freeze but not to worry because he sent the request to another department that would be able to do it within the hour. I would receive notification in the mail in 5 business days. Has my credit freeze been lifted? I have no idea. Equifax is closed Saturday and Sunday so I can not call today. I am frustrated beyond belief that it would take 5 days to permanently lift a credit freeze and it may not still be lifted. I need to make a major purchase and need the freeze lifted ASAP.

Company response to consumer: Closed with explanation