vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2019-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
EMONEYUSA HOLDINGS LLC is reporting a balance due for an account/loan I never requested. I have no knowledge of this account and am requesting that they be investigated and the account be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TN

Complaint narrative:
For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )

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 2019-04-10 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( XXXX XXXX : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: PA

Complaint narrative:
This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant. 

I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only! 

Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this. 

Thank you Miss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion have a freeze on my credit report. I have contacted them several times. they deny there is a freeze but I tried several companies to get credit and they all report a freeze.

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 2019-04-10 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I recently had something from XXXX put on my credit report in XXXX of this year .... I told sprint that i never opened a account and they maile me a fraud packet without any proof on who opened an account with my social security number .... Im trying to buy a house and now that lowered my credit score ... Im hoping that bringing this to your attention and investigating further will show that i never opened a account ... XXXX gave the account to a debt collector and the amount is XXXX dollars .... The debt collection who has this info telephone number is XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have switched over to an income driven program and have been making all payments on time but Navient keeps switching me back to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On theXX/XX/XXXXI deposited a check written out to me into my account for the amount of {$16000.00}. The check was written by my grandfather who confirmed with his bank and got evidence that the check cleared with his bank and the money was transferred to Wells Fargo ( my bank ) on the XX/XX/XXXX My bank originally told me that the funds would be available on the XXXX. On the XXXX I checked my account and not only were the funds not available but there was no amount from the check available in my account and the bank was telling me it would not be available and was placed on hold till the XX/XX/XXXX. I waited till the XX/XX/XXXX to see if the funds would possibly be released sooner. When the funds were not available I called the bank because 11 days is an unreasonable amount of time for money to be available in my account when I have proof the check cleared. I spoke to several different people who gave me excuses such as : the money was not available because the check was not endorsed ( I was later told by another wells fargo employee endorsement was not necessary on my deposit and was not the real reason for this hold ), that wells fargo did not yet have the funds ( this was confirmed as a lie by my grandfathers bank ), that it was on hold because it was an unusual amount for me to deposit, that my grandfathers bank was not releasing it because it was not endorsed by me ( also confirmed as a lie by my grandfathers bank ) and that it was placed on hold to protect my grandfather who holds no accounts with them. After two hours on the phone trying to get my money rightfully released into my account and being told there was no possible way it would be available until the XXXX. On the following day, the XX/XX/XXXX, I brought my grandfather and the proof that the check had cleared his bank to a wells fargo manager at a branch. The manager told us the money hadn't been deposited because it was an unusual amount for me to deposit and that they were trying to protect him ( that is his banks job ). She then told us she could release the funds into my account right there becuase he was there to verify that he wrote the check. She never verified that my grandfather was my grandfather by asking for identification and released the funds directly into my account after I had already been told that this was not possible.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Accounts Receivable Inc.
State: OR

Complaint narrative:
Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Ive been with chase bank for a long time.In XXXX, I applied for a chase freedom visa account onXX/XX/XXXX and was denied because my credit report says bankruptcy and credit balances are to high.FYI, in my last year of bankruptcy.They also used a scoring system called Card Acquisition risk score V2 to determine my outcome.Also, They say the key factors are number of delinquent accounts, public record of bankruptcy.I don't have delinquent accounts, infact, I have past accounts that are paid off.Again, Im in my last year of bankruptcy and it ends in XXXX.After I was denied, I applied for a loan with XXXX c/o XXXX and was approved.I ve been a customer of chase bank for a long time and im disgusted that I cant even get a loan or credit card through my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

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 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX of 2019 I sent a check to my mortgage service in the amount of {$230000.00}. 
6 weeks later I received an overdue notice and late charges. I called them was told that they had not received my payment. Another call and I was told that they had considered my check to be a '' payoff '' and they would only except a wire transfer for that. 
I told they it was not a payoff request and asked them what happened to my check. 
I was told they sent it to an address where I lived 8 months ago. ( even though I had filled out a change of address form, My check had my current address on it and they had been sending me the payment notices etc. to my current address for 6 months. ) I was told it was an error by their servicing company which was separate from the mortgage holder. repeated attempts to clear this up brought no relief. Eventually I placed a stop payment on the first check, wired a full payoff amount to them and I was charged a full months interest, late fees, missed payment fee and they refused to refund my stop payment fee on the lost check. ( never got it. ) Now, they owed me 2 amounts for overage on the escrow account. Ins. and tax refunds. One check was forwarded to me from the current resident of my old house, YES, they are still mailing to it! I have not seen the second check which should have been here weeks ago. 
I am asking for reimbursement for the interest, the late/overdue charges and my {$35.00} stop payment fee.

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 2019-04-10 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: NE

Complaint narrative:
In XX/XX/XXXX I noticed there were 2 fraudulent accounts on my credit reports with all three bureaus and contacted each bureau to clear this issue up. XXXX and XXXX XXXX fixed the issue rapidly and on XX/XX/XXXX, I placed a fraud alert on all three bureaus. I submitted the requested documents to Equifax as well and on XX/XX/XXXX, Equifax removed and deleted the unauthorized 2 fraudulent accounts in my name. However as of XX/XX/XXXX, I refresh all three credit bureaus and noticed that Equifax put the 2 fraudulent accounts back on my credit with their bureau. XXXX and XXXX XXXX did not and have blocked these 2 unauthorized accounts successfully from my credit reports. I have given Equifax more than 30 days to clear this situation up and now it has been over 60 days since requesting Equifax remove and delete the 2 fraudulent accounts AGAIN and I have gotten zero response from them. I am filing a complaint with the Consumer Financial Protection Bureau to get rapid assistance as this is affecting my lending needs as a consumer because these fraudulent accounts that do not belong to me are lowering my lending needs from banks. I have paid to my credit monitoring accounts over {$500.00} to refresh my credit and have seen no results on Equifax 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XXXX XXXX however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient has been leading me into multiple forbearance instead of letting me process a simple income driven plan. My interest has driven the cost of my loans UP {$3000.00} this year ALONE! 

I called XX/XX/XXXX, XX/XX/XXXX I was told to renew my XXXX plan. I told to wait oh, and I heard nothing for three months. After that. Of time in XX/XX/XXXX I was offered a forbearance. then, after 1 month when I called back after seeing navient raise the principal {$300.00}, they offered me a 3-month forbearance. This year the loan value will increase again over {$1500.00}. This is predatory and unforgivable. 

I can not sustain an expanding debt. Please XXXX, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX  - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA

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 2019-04-10 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: OR

Complaint narrative:
Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synovus Bank
State: OR

Complaint narrative:
XXXX XXXX- XXXX - is reporting on my credit for a debt that I don't owe, plus it is past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services
State: AZ

Complaint narrative:
I'm writing in regards to XXXX XXXX to inform you that this company is taking advantage of military dependents. I took out a payday loan with this company in XX/XX/XXXX in the amount of 970.00 dollars. This company has been taking money out of my account every pay period in the amount of 290 plus a pay period, which is over 580 dollars a month since XX/XX/XXXX. I was never informed that I would need to pay 780 percent interest on a 970 loan, that would amount to over 6500.00 needing to be paid back. 
this is an abusive organization and when I called to complain today XX/XX/XXXX because they said I still owe 1300, but only if I paid today the whole amount. otherwise they said they are going to take out 5 more payments at over 290 a payment. How is this company even allowed to operate and charge people 780 interest? 

They need to be investigated for violation of the military lending act.

Company response to consumer: Closed with explanation