vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
In XX/XX/XXXX, I received a call from this company. I advised them that the alleged debt they claim I owe is not a debt that I recognize. I pulled my credit and submitted a dispute through the credit bureau. At that time, I also mailed a written dispute and a request for validation to this company - Ad Astra Recovery Service. I gave them 30 days to respond and advised per the FCRA they are required to provide this to me or they must stop reporting and cease collection efforts. I never received a response in writing. They only responded to the credit bureau as " verified as reported ''. How can a company claim its verified if they can not even send the consumer proof of the alleged debt? I just pulled my credit again in XX/XX/XXXX and noticed the tradeline is still on there. I followed up with them again and they claim they never received my letter back in XX/XX/XXXX This is very unfair to me. I did everything I was supposed to do per the law and they are not complying or following the law. This is an unethical business practice. This is not my debt. I am have repeatedly disputed this with them. They are not following the FCRA guidelines. If they are doing this to me, how many other consumers are being affected by this company? They should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank issued me a credit card, which I've had for years. They encourage online payments. In XXXX, they moved my payment due date forward from the XXXX to the XXXX. When I went to make my payment on the XXXX, it was then overdue and I was charged {$27.00} late fee. I was not notified of this change, I did not request it and because I only have occasion to go to the credit card payment portal on the XXXX of each month when I pay all my bills, I was not afforded the ability to adjust. Furthermore, I requested a refund of the late payment fee and was told I was only permitted one per year. This was manipulation on their part and I'm not alone. I've spoken to others to whom they did the same thing. I asked they waive the fee and they told me they didn't see it - although I could clearly see it on their payment portal for my account. And yet additionally, I tried to make next month 's payment, indicating on the built-in calendar that it should be deducted from my account on the XXXX and it was denied, stating I'd already made a payment. Therefore, I'm prevented from making a payment that would save me interest. Lastly, to talk to a representative you must give your name, your account number, the last four of your social and your teller PIN code. This is clearly a security risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: NY

Complaint narrative:
Experian Credit.Reporting agency is reporting debt that has been resolved. The other credit bureaus do not include these accounts in my total debt. I have tried everything to fix this filing disputes etc. The debt they still include ... this was last updated by them XX/XX/XXXX XXXX XXXX   XXXX 2 accounts Experian will not remove XXXX-beginning with balanceXXXX This was settled and is XXXX $ XXXX-beginning with balance {$16000.00} This was settled and is XXXX $ XXXX balance XXXX this account is with a collections agency and payments have been made on time {$200.00} since XX/XX/XXXX All of these accounts show I have huge minimums due but Experian is the only one that reports this

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to make a payment on XXXX, to the following Capital One credit card. 
XXXX. The online system indicated that a verification code was necessary to proceed. The only options that were available were telephone calls and I was not available at any the numbers listed. I contacted Capital One and after verifying my account ( via Social Security number, DOB, etc. ), the representative still indicated that I needed to provide them with a telephone number to obtain a code. She stated that this was to " verify '' that I was the cardholder. I made very clear to this person that she just finished verifying who I was and that how could a phone number do otherwise. I asked her if there was a method of contacting me ( preferably through another method ) to provide me with this " all secret '' code that I needed in order to access my account. She said that only a telephone call would get this done. And that if this was not acceptable to me that I would have to be transferred to the fraud department. I understand that account security is essential, however, I believe that I made more than a reasonable effort to comply with Capital One 's verification procedures. To date I still can not access my account online nor on the mobile application as Capital One has denied access to my account. I had to make a payment using the automated telephone system in order to ensure that the payment was credited on time. I am requesting your office hold Capital One accountable for these extra-ordinary inconveniences and require them to permit me access to my online account immediately. Once again, all their verification requirements were met, they insisted on a telephone number that I was not able to provide at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Equifax. On XX/XX/XXXX I tried to access the online information through the Equifax website. I was presented with security questions that did not apply to me. All of the questions asked about loans or debt I have no knowledge of. I answered " N/A '' to the questions. I was presented with a message that says I was blocked from viewing the information and had to call Equifax to confirm my identity. 

I called Equifax and a customer service representative named XXXX told me there was no way for me to access an online copy of the dispute. They told me my only option was to have the dispute mailed to me in 7-10 business days. 

I submitted my dispute to Equifax online, in. Equifax has the resources to make the information in my dispute available to me for my review. They refused to give me access to the dispute. 

In their privacy document they state : " We have built our reputation on our commitment to deliver reliable information to our customers ( both businesses and consumers ) '' This is a sham. Their service is not reliable. They couldn't even get me online access to a dispute I submitted to them yesterday even though their terms of service say everything must be available online. They push consumers around and beat around the bush when consumers need access to their information. 

In their terms of service they state : " Our Products are internet-based and in order to access Our Products You must have : an internet browser '' But I am not able to access their dispute center online to view my information and they refused to give me access to do this. 

In the FCRA page they state : " You have the right to know what is in your file. '' They denied me my right to have online access to a dispute about my file. They insisted that they mail me a copy of the dispute, but mail is not reliable. This is why I use the internet. A multibillion dollar corporation should be able to figure out how to give consumers online access to their information. Especially if their terms of service require an internet connection and explicitly state the information will be available online. 

On the dispute web page they say I will be able to see the " status of the dispute any time '' but I was not able to view the status and they refused to give me access to my account to view the status. 


The Equifax dispute ID is XXXX. 

FCRA page : https : //www.equifax.com/privacy/fcra/ Privacy Notice Page : https : //www.equifax.com/privacy/ https : //www.equifax.com/privacy/equifax-personal-products/ Dispute web page : https : //www.equifax.com/personal/disputes/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
About 9 years ago we contacted all three credit agencies with a dispute about a charge off from XXXX XXXX XXXX. We just found out XXXX of 2019 that the charge off was still on experian, not the others. Our bank was showing a credit score of XXXX and experian was showing a XXXX. Nine years ago we sent all three reporting agencies a copy of a letter and a substantial check, apologizing for the mishandling of our account. Yesterday we sent experian the copy of two more checks from a class action suit against XXXX  XXXX XXXX.US District Ct. XXXX District of NC. We filed a dispute with experian and added the copies of the new checks with a letter. Experian sent an email today saying to check the status of the complain. I was unable to sign in and tried several times. The options do not cover disputes. Upon signing in with new PW, I was prompted TO BUY their services. I never got to the dispute.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2019, before or around the XXXX, I saw a promotion test US Bank was advertising on XXXX website. To get their card you will enjoy XXXX dollars statement credit, if charge XXXX purchase in 45 days and XXXX cent additional off XXXX fuel. I applied because o this and hit the card. I made the purchase but was not given the offer. After 30 days, going onto or right after 60 days, of not being on bill, I contacted them. They say they had no such offer, and said they will send over to that department. I receive letter saying they dont show offer on my account, only XXXX cent promotion. They said I needed to provide proof of offer. I had snapshot it in my phone so I wouldnt forget what the offer was, so I printed it off and send it to them. And I still receive another refusal letter saying I didnt apply from the website, which was XXXX, that the offer was on. I called and told them I did because I was grocery shopping when I saw it. 

This is false advertisement and enticement. Please help I charge this card up to XXXX dollars on me getting a statement credit.

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 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2019, I requested a reinstatement quote from Ocwen for {$22000.00}. Before this, we received notification Ocwen was turning over their mortgage practices to XXXX as of XX/XX/XXXX. The reinstatement quote I received for {$22000.00} stated it was good until XX/XX/2019. When I called Ocwen on XX/XX/2019 to ask if the wire transfer information listed on the statement would be valid until XX/XX/2019 I was told by the agent that it would be. Today, I am ready to pay the reinstatement amount. To double check the wire transfer information, I called the Ocwen number, which is now answered as XXXX. When I inquired about the reinstatement amount, I was then informed the mortgage information was turned over to XXXX XXXX. When I called the number XXXX gave me for XXXX XXXX, it was an automated message for XXXX XXXX. After going through three different menus, I was finally given an option for XXXX XXXX. When I spoke to the operator, I was told they would need time to research the reinstatement amount and the quote I had was no longer valid. I was told they would email this information to me some time next week. Now the risk of foreclosure looms instead of being able to handle this today. I want to pay the amount due as per the reinstatement quote I was given. Nothing was stated in any of the mortgage transfer information concerning reinstatement quotes no longer being valid after XX/XX/XXXX. Instead Ocwen says any monies due on or before XX/XX/XXXX should be paid to Ocwen. The reinstatement amount directly deals with monies due on and before XX/XX/2019 in the amount of XXXX, XXXX. They should honor this amount and the reinstatement quote given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged a deferred 12 months interest to my account. 30 % of my principal balance. I was told when I signed up for the card that I would have no interest for 12 months, and then it would start to begin incurring interest in the 13th month. I was never told and it was never explained to me what deferred interest was or that that was the terms of the card that I signed up for. 3 weeks ago I noticed a charge for 72 % of my remaining balance. I called Wells Fargo, who told me there was nothing they could do because I did not have any issues with my mailing address, even though I never received any notices stating any of this information. I am still within 30 days of the charge as of today. I feel like I have been duped into paying much more than I ever would have agreed to.

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 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
None of those options correctly defined my complaint. On XX/XX/19 I received notice of a debt in collections with Credit Bureau Service of Iowa , Inc ( hereinafter " CBSI '' ). I recognized the debt and knew the original creditor. I decided to tackle it head-on and went online to make a payment. I authorized on my card a charge dated XX/XX/19. I read the terms and conditions and it explicitly stated there would be no fees applied to my card. I checked my card statement today and there was a {$0.00} charge pending on my card from CBSI. I reported this as fraud on my card. This was not stated as a fee anywhere on the payment page. I also thought it was odd that they did not list the actual terms and conditions of the agreement anywhere on the payment page. I have photo documentation of the payment page and terms and conditions. I'm pretty sure it is against the FDCPA to charge additional fees prior to a post-dated payment when " no fee '' was stated explicitly on their payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX XXXX  partial account number XXXX. They are reporting that I am 60 days late. This account actually needs to be coded as an M1. ( Please see pages 10 and 11 of the attached  credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-07 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
1)DitechFinancialapparentlysoldmymortgagetosomeentitycalledXXXX2)IwastoldbytelephonethatthetransferwaseffectiveXXXXXX/XX/2019.
3)AsofXXXXXX/XX/2019--aweekbeforethistransfer--therehadbeenNOCOMMUNICATIONOFANYKINDfromeithercompanyaboutthesaleofthemortgage.
4)IreceivedanunaddressedemailindicatingthatacompanycalledXXXXhadtakenapaymentof{$1300.00}.
5)NopaperoremailcommunicationwassenteitherbyDiTechFinancialormyXXXX.
6)SomeatXXXXinformsmethattheloanisactuallyheldbysomethingcalledXXXX.
7)XXXXsaysthattheinformationregardingthistransferoftheloanwasmailedasapapercopyonXXXXXXXX--AFTERthetransferwaseffected.
8)OtherphonerepresentativesatXXXXfranklyseemedtoguessingaboutthewholeprocessofhowtheloanwastransferred.TheyallseemedonlythinlyinformedastowhattheirresponsibilitiesorthoseofDiTechFinancialmightbe.
9)DitechFinancialmeanwhilehasessentiallyasoftodayblockedusasformerclientsfromanycontactwiththem.Accesstomy"former''onlineaccountseemstohavebeencutoff.Phonecallstothecompany--becausetheycantracetheirorigintoourphonenumbers--aretransferredtoXXXX10)Thiscomplaintidentifiesallthreecompaniesasbeingatfaultintheloantransferprocess:DitechFinancial,XXXX,XXXX11)Iamawarethatallofthemmaybesubsidiariesofothercompanies(orfraudulentshellsforsomething).
12)Asanadditionalnote:MyLoanCarehasjustinformedmethattheironlineaccessisunavailableoutsidetheUnitedStates.Iamnotevensurethatiscorrect;butthatalsoseemsunusualandimpracticalinthe21stcentury.

Itshouldnotbelegaltotransferamortgagewithoutnotice.Norshoulditbelegaltofailtoprovidebasicinformationaboutthattransferuponrequest.Norshoulditbelegalforafinancialentitythatheldamortgagetoinstantlycutoffcontactorcommunicationwithacustomerupontransferoftheloan.Surelytheyshouldbeobligatedtonotifycustomersatleast60dayspriortotransfer;andtoallowcustomeraccesstoonlinerecordsandphoneassistanceatleast30daysafter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX XXXX partial account number XXXX. They are reporting that I am 60 days late. This account actually needs to be coded as an M1. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: MS

Complaint narrative:
I recently had a change in my credit report with Equifax after inquiring about a " closed date '' that wasn't be reported however after doing so the " balance date '' on several US Dept of Education Loans was updated to XX/XX/XXXX which looks as if this account was recently settled. That of which is not the case as they were settled on XX/XX/XXXX as noted in the attachment ( Credit Reference Letter ). I have attached two credit reports noting the changes as well. This change it date makes it appear that I in default/delinquent until XX/XX/XXXX which has impacted my credit score significantly. 
I have attempted in good faith to resolve this matter with Equifax and US Dept of Education however the numbers provided for the Dept of Education are non working numbers.

Company response to consumer: Closed with explanation