vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX 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 non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report 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 2018-12-27 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: AR

Complaint narrative:
I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX  in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX  first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a XXXX from Ocwen dated XX/XX/XXXX forgiving {$200000.00} which resulted in a unpaid principal balance of {$380000.00} ( see attached exhibit A ). I subsequently received a loan modification dated XX/XX/XXXX ( after a series of mishaps with Ocwen described in a letter from Ocwen dated XX/XX/XXXX ) ( attached Exhibit B ). This loan modification indicated that my principal balance was {$500000.00}. along with a balloon mortgage of {$210000.00}. My payment history indicates a current balance of @ {$370000.00}. ( attached as exhibit C ). I do not agree with the addition of this mystery balloon payment as there are no representations of it anywhere else in my records. 

I will file two separate complaints for other concerns that I have with Ocwen, but would like your assistance in getting a concrete explanation of the purported balloon mortgage and acknowledgement from Ocwen that this will not be added to my balance now or in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NH

Complaint narrative:
We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below? 

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties.

However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. 

I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. 

NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. 

So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. 

The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. 

Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. 

I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I purchased a vehicle through XXXXXXXX XXXX XXXX of XXXX ohio in XX/XX/XXXX. i purchased a XX/XX/XXXX XXXX XXXX priced marked at XXXX selling price. I got approved through credit acceptance for a XXXX loan. It is now 2 years later and they are stating i still owe over XXXX for a XXXX vehicle. They never provide me with billing statements even after i have requested them numerous times. They just send a printout of my payment history. it doesnt have any info on interest rates, late fees, or why they loan amount keeps going up even with payments being made. I just recently made a XXXX dollar payment and they are still saying my vehicle is up for repossession. i need answers as to what is going on. I can never get a straight answer from any rep I speak with. They all say look at your finance papereork. But if they are my finance company, shouldnt they be able to tell me that information? Please help me.

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 2018-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I closed on the sale of a home I purchased with my ex-fianc on or about XX/XX/2018. I was the primary mortgagee on the loan with Wells Fargo Mortgage. Wells Fargo mailed the escrow refund check in the amount of {$2200.00} to my ex/coborrower made out to first me, and also the secondary borrower, on or about XX/XX/2018. The check did not say " and '' between our names. My ex cashed or deposited the check into his Wells Fargo checking account without my presence, permission, or an endorsement by either of us on XX/XX/2018. I was given the runaround initially with Wells Fargo mortgage telling me I had to contact the bank - Wells Fargo banking, and then Wells Fargo banking telling me I had to contact Wells Fargo mortgage, and that I had no standing as a non-customer and not being the one who issued the check. I opened a case with Wells Fargo mortgage and asked for them to pay me my half or clawback the funds and give me my half of the escrow refund. They got back to me today, XX/XX/XXXX, with their final response, and said they found no wrongdoing either in how the check was written or in how Wells Fargo banking deposited the check. I find this to be unacceptable mortgage and banking procedure. Other institutions require signature by both parties for small amounts of money. I believe for two unmarried mortgage holders, the check should have been written with the word " and '' between our names. I also feel it should not have been possible for my ex to deposit the check without either my presence, permission, or endorsement. Both are irresponsible methods of handling these funds without due respect to the protection of the legal rights of their customers and parties to whom checks are issued. Also, my understanding is that most other banks do require all parties to be present to disperse a check made out to 2 parties. As an aside, our City Water Department wrote the word " and '' on the refund for {$150.00} sent to us, and when I told them my ex would not meet to cash it, they said they could not send the check to just me, all they could do was issue separate checks to each of us for half of the amount, which was perfectly appropriate and respectful of our legal rights. If they could do that for us, why should we expect or demand any less from our financial institutions. Attached is a copy of the check I received from Wells Fargo.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Outsource Group, Inc
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX 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 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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: NV

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 2018-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my  DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.

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 2018-12-27 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: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for a deferment in XX/XX/2018. On XX/XX/XXXX I was approved. I received a billing statement from Nelnet showing a XXXX balance due. As of XX/XX/XXXX I am receiveng calla from Nelnet seeking payment and late charges. I attempted to call but the customer service agent made no attempt to research my claim amd only offered to send me another deferment application even though I told her I had email verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.

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 2018-12-27 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: Credit Karma, LLC
State: CA

Complaint narrative:
I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC closed my account because it was negative ( by {$10.00} ) even though my email statements said the balance was {$0.00}. Because my account was negative for more than 30 days, my account was closed. I have about {$10000.00} in checks that are due to hit my account at any moment, but since my account is closed, I can no longer receive them. 

Upon calling PNC, they said they were recording my call to collect a debt. I told them of the issue, they said that if I went into PNC and paid the {$10.00}, they could reopen my account. I went into PNC and paid the {$10.00}, but they said they can not reopen my account because now I'm on the XXXX XXXX XXXX XXXX list for being a credit risk because of the closed account with the {$10.00} balance. I called XXXX XXXX XXXX to get them to expedite the process, they were unable. I called PNC to open my account, they were unable. 

These banks should be ashamed of themselves. I will not be able to afford rent, food, or books that I need for XXXX XXXX because PNC cares more about {$10.00}, which I paid, than its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2018, I received an offer in the mail from Citizens Bank  that stated I'll get a {$200.00} bonus if I opened a new checking account with direct deposit. It is now XX/XX/2018 and I still haven't received my {$200.00} bonus from them. I've called customer service multiple times and they keep saying to wait. Please help me.

Company response to consumer: Closed with monetary relief