vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Genesis Lending
State: TX

Complaint narrative:
Hi, My name is XXXX, I attended XXXX XXXX in XX/XX/XXXX. One year after the lawsuit was filed against the school, in XX/XX/XXXX my federal student loan was forgiven, even though I paid about 7- 10 % in monthly payments to federal loan at the website XXXX, this amount was not refunded, I am greatly thankful to consumer protection agency for standing with the student who were victim of this unlawful act by XXXX colleges.

The diploma cost XXXX, about 10k was federal student loan subsidize and unsubsidized loans, nearly 5k bell grunt, and about 7k Genses private loan. However, the fact that we all know going to school it should make people life better, or at least won't make it miserable. To clarify that, I thought I was going to have a career as the school promised. Shortly after I graduated I heard about the lawsuit. Therefore going back to unskilled job is a must. I struggled to repay my Genses loan, any time I call them to let them know that I can't pay for this or that month they will say ok, but interest is adding up, 7 k I nearly paid 10k for late payments that I can't afford to make by doing unskilled labor work. Plus I was not able to go public college to pursue a career because no one that have no parents or brothers to help can attend school with {$110.00} Genses loan + XXXX $ federal laon, my concern has been shifted from pursuing a career to focus and find a way to pay back the loans. I couldn't attend school for 2 years just to make sure the loans are paid. To conclude, federal laon has been forgiven, the question remains after contacting so many lawyers that can help in student loan cases. If am i able to get at least the interest that I paid back to private loan Genesis student loan, which nearly {$5000.00}, from {$7000.00} principal. Which all equals to {$11000.00}. XXXX  school has changed my life from unskilled worker to unskilled worker with loan which negatively affected me for two years, XXXX, XXXX  for how to pay it back.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear Sir/ Madam, I'm a current member of the Navy Federal Credit Union and recently I had two return check fees of XXXX for two different  amounts. On XX/XX/18 a {$29.00} returned check fee was applied to my checking account for a {$12.00} insufficient funds, but at the time it wasn't save to put any money into the accounts at Navy Federal Credit Union. Because during the weekend of the XX/XX/18 thru XX/XX/18 the bank was having banking issues with the system. On XX/XX/18, I was charged another {$29.00} returned check fee for insufficient funds of {$.00} cents. 

On XX/XX/18 the Navy Federal Credit Union system issues were worse. Members were missing their deposits, aa well as other serious issues, which lead to them turning phone lines off. The phone lines rang out busy signal for maybe like 3 hours or more. When I finally got through a representative I was told that they couldn't remove fees because I've had it done before in the past. 

I would like for someone to help me resolve this matter as well as look into another over charges on my account, such as finance charges on loans. At this point I would just like to make sure that I'm not being over charge on this as well.

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 2018-12-22 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: DISCOVER BANK
State: CA

Complaint narrative:
I had fraud committed against me and reported it to Discover, XXXX and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had fraud committed against me and reported it to XXXX, Chase and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had fraud committed against me and reported it to XXXX, XXXX  and Citi card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

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 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had fraud committed against me and reported it to XXXX, XXXX and XXXX card in XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with Experian and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

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 2018-12-22 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 have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX .Step up CFPB and remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX 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 2018-12-22 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: OR

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: OR

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been sending letters to Experian and XXXX  for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: GA

Complaint narrative:
I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: GA

Complaint narrative:
I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: GA

Complaint narrative:
I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-12-22 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: GA

Complaint narrative:
I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: GA

Complaint narrative:
I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-12-22 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: GA

Complaint narrative:
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Mortgage Company will not grant me a modification, i was Willed my grandmother s house, and have all the proper paperwork to show I should be entitled to the modify the loan, so i will not lose my the family home, i have submitted the Modification package

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/2009, I took out a loan from XXXX XXXX  for XXXX dollars. I immediately began making payments of XXXX dollars every month for nearly 10 years. My interest rate for this loan was a ridiculous 13 percent. 

The loan was sold off to other companies and now it is owned by Navient. After making on time payments for nearly 10 years, and paying approximately XXXX dollars, my balance today sits at XXXX dollars. More than double the original loan amount. 

This is predatory lending. I will not be making any more payments to this company. 

Any attempts I have made to settle the loan have been ignored by Navient. When inquiring about a new payment plan with more affordable monthly payments, they tell me I need to get another job or borrow money from my family. They have no solutions. 

I am a XXXX XXXX  and I am at my max capacity as far as hours go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XXXX credit card ( chase ) was close because of a late payment, I would to see if I can open this card again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account KINGS CREDIT SERVICES Date opened XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account WAYRESGRP Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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 have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been sending letters to Experian for months now and I have repeated myself over and over again. I am extremely concerned about the actions Experian is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XX/XX/XXXX-VER-XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation