vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: AR

Complaint narrative:
Its been over 9 months since I have been going back and forth with Transunion over several accounts, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX # XXXX also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.

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 2020-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX I attended XXXX a couple of weeks and withdrew because we moved to Arkansas. I never heard anything from them. XXXX we filed Bankruptcy and told we have a clean slate. In XXXX I was notified by mail about a student loan debt. I told them I didnt have a student loan debt. It is not on my credit report. Since a year ago the amount changed from under {$2000.00} to nearly {$9000.00}. The whole cost of school is under {$2000.00} I think. Since then I consolidated them and they switch to Navient. I did this because the website said then I could get them discharged. I applied for school closure because it applies and XXXX XXXX states it qualifies because you cant transfer credits from a closed school. Navient denied it. Now I have applied for Borrowers defense because I was misled a lot and also not told they applied me for loans. I also found articles that I am not the only one there is a lot of people. Why wont they discharge mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: MI

Complaint narrative:
In regard to XXXX and TransUnion, I had sent a " Goodwill '' request to XXXX, asking them to fix the errors ( not delete them ) before disputing the reporting errors with TransUnion. The letter XXXX XXXX and XXXX sent back in response was that they are 'accurately reporting and can not change the rating status '. TransUnion 's response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix 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 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
FCPB XXXX # XXXX XXXX XXXX, Originator XXXX XXXX We had filed a report as outlined above. We need to understand what steps, if any, the CFPB will take regarding the issues that Wells Fargo has ignored in their response. 1. They did not address the refund of the appraisal fees for their incomplete appraisal and refusal to finish the open items on the appraisal. 2. They did not address the issue regarding disposition of our application. We feel it is unacceptable for Wells Fargo to deny an application that they had agreed to approve. We were the ones that withdrew our application. We expect a written response with the detail on our withdrawal of the application. It is apparent they are trying to punish us for not doing business with them. These are two open issues and we can not / will not accept this until it is cleared. 

We would also like to be added to any and all class action suits. If you can not help us with this issue, please direct us to an agency that can. We have filed a notice with XXXX  in XXXX XXXX, IA. Would you recommend that State 's Attorney General which is our next step. This will not go away. We expect attention to this issue.

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 2020-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
My XXXX cell phones were stolen. The sync up Drive damaged my XXXX. THE REP told me to submit the bills to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I sent letters in XXXX, XXXX, XXXX, XXXX. 

How many letters do I have to send? Im out off thousands of dollars my XXXX CAUGHT ON FIRE. THE WIRES FROM THE SYNC UP DRIVE SHORTED OUT MY XXXX ELECTRICAL SYSTEM. WHO IS LIABLE? 

I CALLED XXXX & was harassed to give my back account info then 3 secondS later my bill went up {$300.00} dollars. Im not liable 4 this charge off my last bill was {$2400.00} XX/XX/XXXX. XX/XX/XXXX XXXX XXXX my acct:XXXX XXXX acct : XXXX. Bal : {$2000.00}. They sold it to RPM   ON XX/XX/XXXX ref : XXXX creditor acct : XXXX total due : {$2700.00} XXXX needs to pay me for my XXXX THAT WAS DAMAGED. As soon as I removed by baNK info the calls started 24 hours MONDAY-SUNDAY. HARASSMENT I HAVE BEEN A LOYAL FOR TEN  YEARS XXXX  IN XXXX XXXX XXXX XXXX XXXX SCAMMED ME & MY SON ALSO MY BANK ACCOUNT. I WANT ALL MY MONEY BACK. ASAP SENT TO MY XXXX XXXX XXXX XXXX, NJ XXXX. 

The XXXX LOCATION IN XXXX XXXX XXXX CALLED ME XXXX XXXX XXXX, NJ. I CALLED AND COMPLAINED NOTHING DONE. I HAVE OVER ONE THOUSAND COMPLAINTS IN XXXX SYSTEM. I WAS ONLY MAILED A BILL. I WOULD RATHER HAVE PIECE OF MIND AND STUDY LAW HOW TO SUE XXXX IS WHAT IM DOING. ENOUGH IS ENOUGH.

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 2020-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I recently found an escrow refund check from Ditech Financial LLC ( loan number XXXX ). The check is from XX/XX/XXXX. My bank would not accept the check ( check has no expiration date but my bank said it is stale ). I called Ditech on XX/XX/XXXX and customer service rep said they would reissue. Customer service rep said I should get check in 10 business days. I waited 15 days and no new check. I called back and Ditechs number is no longer working. I found a different number and called and twice they said they would look in to the check and get back to me but they didnt. The check is for {$1100.00} so it is not a small amount of money. Is my money gone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank placed a 12 day hold on a check written to me from my own spouse. The check has cleared my spouses account ( I asked them to verify and to show them proof ). They will no respond to any of my customer service requests or calls with hold times or about 2 hours. 

I cant access my money during a pandemic. This hold time is outrageous. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I initially went to a website looking for a USDA loan, I think I ended up on a scam site.. the lady told me that I should first setup to repair my credit, and then they would help me get in a home. So after i ended the call with Lexington law, i thought they would transfer me back to who transferred me there, but the call ended and I was never transferred back to the USDA loans rep. 
So I thought things were fishy from the beginning. I called in after i made my first payment and expressed my concern that i was being scammed, ( in that they were taking my money and not really doing anything ), They told me I had to wait for the items to come off, I told them that I do not want to pay for no action. So i made another payment. 
Because of the covid-19 epidemic and still no results of removing anything from my credit report, i called them on or before XX/XX/XXXX to have my account terminated because i felt I was being scammed, and I specifically said that. They said OK, no problem and sent me a confirmation of cancellation to my email which I can provide all email correspondence when requested. 
These guys are awful! I disputed my last transaction, and after seeing the lawsuit already against them, i went ahead and had all of them disputed. If you need anything at all please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I can not pay my mortgage for the month of XXXX and XXXX due to both myself and my wife have lost our jobs in New Jersey Covid19 pandemic. I called Selene Finance to ask for a deferral for 3 months until I can get back to work after the dates shutdown ends. They responded that they dont do deferrals only offered me a repayment plan which I could never afford to pay the regular payment of XXXXand additional XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I received a phone call from XXXX on XX/XX/XXXX and XX/XX/XXXX. I answered the call on XX/XX/XXXX. They asked for XXXX XXXX. XXXX is my father, and died in XXXX of 2017. He was never associated in any way with my personal phone number. 

I asked the company to identify themselves and what this inquiry was about. The only information they would give was that they were " XXXX XXXX ''. I asked them if they were a debt collection agency and they refused to answer. 

I told them I was the legal executor of my father 's estate and asked what the inquiry was regarding at least 4 times. The only answer they would give was " a personal business matter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I visit us collection in person for the fact being I noticed they where reporting on my account after trying to reach them by phone serval times. Before visiting them I stop by the court house who provided me with my eviction documents that stats the amount that was owe to the courts, which is not the amount that us collection agency is reporting to my credit. They informed me they was trying to collect in a judgement, attorney fees and filing. Which was already in place. They went on to say they where not aware of the judgement and my previous apartment complex didnt inform them of that matter however they still intended on collecting on there balance and the previous judgement that I brung to their attention. No one in the office wanted to explain to me why they have the right to try to collect double of what my judgement was stating. So I filed a dispute with my credit bureaus. Just got the dispute back now its even more on the balance. This company is not reporting correct information and I need to speak to someone about this matter.

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 2020-04-05 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: TX

Complaint narrative:
~In XX/XX/XXXX, I submitted a request to have deletion of unverified information removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. 
XXXX XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. 
Thank you for your time and assistance with this matter..

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 2020-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has dropped my credit score XXXX points! The recent changes are as follows : 1. Missed payment removed 2. Balance decrease by {$390.00} 3.Balance decrease by {$35.00} 4. Balance decrease by {$38.00} 5. Balance decrease by {$90.00} 6. Balance decrease by {$4.00} 7. Balance increase by {$53.00} I have print screens that show MANY account Balances are ZERO as of today ( in face decreased by nearly {$1500.00} in just the last few days.

Equifax is going the WRONG DIRECTION. Decreasing money owed would RAISE my credit score, not drop it! I had disputed the previous balances when they were almost all ZERO yet Equifax is not doing the correct thing. 

If I could upload Files I could show how my balances have dropped!!! 

In addition a new credit card is not appearing ( this is the XXXX ( not the XXXX ) XXXX XXXX XXXX  Please add it asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
After making bi-weekly payments, and requesting past due amounts, which was mailed to my home on XXXX XXXX which showed past due late fees of XXXX. Chysler Capital repossessed my car on XXXX XXXX my car was tooken by a recovery company with NO repo order. I also never received any statements in over 9 months which I called and complained several time on. 
I called the police the police ran my VIN and no repo order was out for my car. 
The Reinstatement Department is now telling I owe XXXX, to get my car back and they will not allow me to pay XXXX, or any types of payments arrangements. 

I spoke to several agents and was told that prior Repo order XX/XX/XXXX was lifted, then a collection agent told me my car was repo due to paying biweekly instead of monthly. I have always paid bi-weekly since the start of the loan in XXXX. 

I'm asking to have my account reviewed my management to retrieve my car for a lesser amount due having a hardship and the current Pandemic I can not afford XXXX. The collection department will not let me speak to management regarding this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I worked for XXXX XXXX XXXX ( XXXX ) as an intern in the summer of 2005. Without my knowledge, a 401 ( k ) account was created at Wells Fargo ( through XXXX ) during that time. The account has never had any funds or money in it - balance has always been {$0.00}.

Over the past year, I have called Wells Fargo at least four times trying to close this account. They refuse, stating that even though the account is in my name, that it belongs to XXXX and only they can close it. 

I have been in contact with HR at XXXX, who have been unable to close the account by working with Wells Fargo either. 

I have attached a recent letter from Wells Fargo showing an address change on the account. I can't even access the account number on Wells Fargo 's website, because the account has no historical statements since no money has ever been in the account.

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 2020-04-05 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:
~In mid-XX/XX/2020, I sent a 611 notice to have information verified on my credit report. I received notice that the information will remain on my report, with " no proof provided '' that this debt was mine ~In early XX/XX/2020, I sent a 623 notice to the creditor to verify and send proof that this debt was mine and/or update erroneous reporting data on my credit report. I have received " no response '' after waiting at least 30 days for a reply. 
I have attached proof of correspondence, proof of receipt and proof of my identity. 
I am requesting prompt deletion from my report as a resolution to this challenge. 

Thank you for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a message that a payment made last month was not enough to cover what was due. I pay in excess of what is due each month. If I did not pay enough as they claim are they contacting me about this one month later? I also notice that my account statement shows payments sent but not applied to my account yet .... also saying they are past due. Once again Navient is not applying payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management Services is reporting a debt of {$2300.00} from a tribal loan that is not legal under Federal usury laws which cap interest at 36 % or Florida law caping interest at 18 %. 

I would request NCB recalculate the balance to reflect all payments and a legal interest rate not bound by tribal jurisdiction or remove the item from all three credit bureaus. 

I had requested account verification from NCB and this was not provided within 30 days of the request nor has it been received to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY SON & I head. Im a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY XXXX & I head. Im a single mother.

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