vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense   Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old. 

Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TX

Complaint narrative:
Transunion has taken more than 30 days to deliver the results against in violation of FCRA 611 ( 15 U.S.C. 1681I ) for the following accounts XXXX , XXXX   XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Dept Of Ed/XXXX   XXXXXXXX Dept Of Ed/XXXX XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX Us Dept Of Education XXXXXXXX

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 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo erroneously took out payment out of my account. They claimed that I authorized it. They would not let me listen to the tape. In the interim, they were supposed to credit my account the payment while an investigation was underway. They did not. I spoke to XXXX from Executive Customer Service who said there was a back end delay and I would have to " do what I needed to do ''. I contacted my XXXX my bank who notified me that they could easily reverse the transaction and give me credit pending the investigation of the issue. Four days later, Wells Fargo credited me the same funds. XXXX from Wells Fargo said that it would simply be reversed and in a matter of 3-4 business days it would be resolved. They extended my case, withheld credit reporting in order to help with this situation. Upon resolution, I was issued a resolution that that there was error on wells fargo 's part but was issued a check for {$450.00} as an " sorry for the inconvenience. '' The money never came out of my account. 

I called and set up a case in Mid XXXX to investigate this situation with the payment that was supposed to come out of my account.I received a phone call in late XXXX that they were still investigating and they would need to extend my case out to XX/XX/XXXX. I never heard back. In the interim, I am receiving foreclosure notices left and right. 

The resolution of this last case was that there was no payment reversal supposed to be made. Once again, Wells Fargo is falsifying the truth and I as the consumer have no choice but to just agree with their erroneous resolution. Meanwhile, my mortgage is still past due and Wells Fargo 's executive team has not done its job. 

I am being discriminated against because of my race and my husband 's veteran status. They have made it very difficult for us to resolve this issue. Aside from incompetence, I have advised Wells Fargo it seems that they are making this abnormally difficult for us to resolve and I feel that they are trying to take my home from 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 monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2019, at XXXX XXXX XXXX XXXX XXXX, I tried to use my PayPal account on my phone, and I was unsuccessful. The account was locked, the email did not unlock it, chat was not offered on the app, initially was not provided with a customer service to call. After several attempts to reset via email and texts, I was provided access to customer service at XXXX. I spoke with XXXX, she wanted me to use my computer, which I did not have immediate access to. She had me try the browser on my phone and again it did not reset. Eventually she had me delete my app and reload it, that failed, She then tried to get me to set up a new account. I did not think that was a good idea, even though she said she would transfer the money to the account. Then when I agreed to use my computer, the attempt still failed. She put me on hold, and when she returned told me it would take 24 hours for me to access my money. I told her I thought that was against the law because there was no question about who I was or whether the funds were legitimate. It is a {$50.00} account. She said that was what had to happen. I said I would report it to the governing agency and she said that was ok. I asked her who governs PayPal and she put me on hold, then sent me a new email and asked me to try again. I did try and that time it worked. 
I am very unhappy about the difficulty I faced logging in and the poor help I was provided. The biggest problems were being told I would have to wait 24 hours to access my account during a business week and then being asked to set up a new account which she could transfer my funds to. XXXX told me my call was recorded. 
I would like communication with someone in authority at Pay Pal or know that someone in governing authority addresses this at Pay Pal regarding this issue and how it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
XXXX removed the XXXX / XXXX XXXX account but it still shows on equifax and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: GA

Complaint narrative:
I am a seller who signed a purchase & sales agreement XX/XX/19 with a buyer pre-qualification letter dated XX/XX/19 expiring XX/XX/19. When the loan process went through underwriting, they discovered the FHA rules had changed XX/XX/19 and declined the loan as the buyer did not meet the NEW guidelines. I received notice of the denial dated XX/XX/19 on XX/XX/19. I requested for the lender to pay me my {$1500.00} since I am out of pocket my mortgage this entire time since I reside elsewhere with rent. They refused. How is it ethical that you can issue a pre-qualification letter where the buyer met the FHA guidelines XX/XX/19 and valid for 120 days but then say they are only prequalified as of the date of the XX/XX/19 letter??? I signed a contract based off the validity of this letter and no other letters amending it. I feel like the lender should pay my binder of {$1500.00} since we received NO notices prior to the XX/XX/19 signing that the pre-qualification letter was not valid anymore or possibly compromised due to MAJOR FHA guideline changes effective XX/XX/19. The lender should not issue such pre-qualification letters if the language has been compromised by regulatory industry changes and no longer valid or at a MINIMUM send a generic notification to all pre-qual parties with active letters. Where are the rights to consumer in this matter as I am sure I am not the only person who suffers financial loss due to this. Lender should be held accountable for these letters or not issue them. Seems like its WORTHLESS if you say they qualified XXXX but valid for 120 days when that is possibly false. I don't expect them to honor the loan. I just expect to be compensated by them for what I lost due to no amendment or notification regarding the pre-qualification letter validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XX/XX/19, I used my US Bank Visa to purchase online a CPR class in XXXX for {$75.00} from XXXX, XXXX. The class was scheduled in-person on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the class for which I have a confirmation email. XXXX XXXX of XXXX assured me I would receive a {$75.00} refund. The last week of XXXX, I received my Visa statement showing the charge but not the credit. I filed a dispute. and spoke with XXXX again when she called to assure me she had processed the refund. 

On XX/XX/19, I received a VISA dispute letter stating XXXX refused to refund me since I attended class and received CPR certification. They finally requested my documentation, which I sent today. On XX/XX/19, I called XXXX to inform her of the situation. She sent me the electronic notice she received from XXXX about the dispute, stating the {$75.00} is being withdrawn from her deposit. Apparently this occurred. I read the VISA dispute summary to her and sent it to her. We agreed it is full of lies. Now, this seems like banking credit fraud. We are giving up time and resources when it should be already settled.

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 2019-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX removed the kohls / capital one account but it still shows on XXXX and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: MO

Complaint narrative:
XXXX removed the XXXX / XXXX  XXXX account but it still shows on XXXX and Experian and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court

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 2019-06-25 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: URS Holding, LLC
State: NY

Complaint narrative:
For the past two years the department of education has seized my tax refund for a total of over {$10000.00} towards my student loans leaving me homeless with a small child each time. First it happened in XXXX XXXX and now that I'm back home in XXXX, a city I left because I can't afford it, my mother 's eviction wasn't sufficient for me to get MY refund so I could move again. She was who I was staying with after I faced eviction from the last time my student loans being in default resulted in my tax refund being offset. 

I attempted to make an arrangement with Alltran to pay $ XXXX/mo to get out of default and they approved this aggreement for a month and then called me and said I needed three non family references, their phone numbers and addresses in order to be eligible for the default resolution program. After approving it and taking the first payment they said I was ineligible. I've asked Alltran for the transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In violation of the Fair Credit Reporting Act ( FCRA ) Experian gave itself the right to edit my requested personal statement to reflect Experians own personal biased and retaliatory Statement to cause me more imminent irreparable damages. I attached two photos from a related legal file to be used in court of law. The two photos show the above undeniable fact about Experian violation of the FCRA .today isXX/XX/2019, Experian not only is taking over 30 days or about a month and half to delete the wrong already disputed before collection about the same thing alleged over and over by XXXX and/or XXXX hired collection companies within Experian who deleted that alleged thing before and in many times, but now Experian is engaging now in clear fraud against my information by stating information that does not represent me and I never consent to it. I challenge Experian to bring one single convincing evidence that the statement appearing on my credit report with Experian as shown on the photos is my statement exactly as I requested. 


Experian stop your fraudulent transactions against my information. You will be sued and rights reserved to Do so at any time without notice until you receive a summon. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to anything or any change or any correction by him only at any time without any notice and without waiving his rights. 



Thank you, XX/XX/2019 The complainant

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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 ; XXXX and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and DIRECT LOANS partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: SC

Complaint narrative:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX we ordered some utensils from XXXX XXXX. Order # XXXX. The order was split into two parts - Part one was {$360.00} and part two was {$79.00}. Part one of the order ( set of 20 ) was shipped out and received and then immediately returned. We have confirmation that the return was delivered and signed for on XX/XX/2019. 

The second part of the order was just a set of 2 that we were going to pick up at a store in XXXX, CA. We did not ever pick these items up at the store, but were charged for them. When we called XXXX XXXX, they said we had to show the items were picked up in order to " return '' them even though they were never picked up. So the return was performed on XX/XX/2019. 

I have called countless times to determine why our card was never credited for the returns. The XXXX XXXX credit card company ( Comenity Bank ) claims they know nothing about what was purchased and whether it was returned. They are just the credit card company and have no idea what's going on with the store. All they know is what the XXXX XXXX store tells them. XXXX XXXX store claims they don't know what is happening with the credit card or it takes time to get the credit or its in process. Meanwhile we are being charged finance fees. 

Last month the credit card company agreed to put the charges under investigation. We received a letter delivered snail mail dated XX/XX/2019 that our investigation showed we owed the money because the returns had never been received. But XXXX XXXX shows the returned items being received in XXXX! 

This is not the first time we have had an incredible amount of trouble getting credited for a XXXX XXXX return but it is getting harder and harder to get credited for the returns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 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:
XXXX  ; Experian and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

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 2019-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
midland funding stating I must call them to resolve debt even after the SOL has passed for PA! looking over their website, credit report the information they are stating is WRONG! attached photos. they are saying on their website they will STOP reporting after 2 years -- its been over 2 years and they are still reporting. the main creditor has removed themselves from credit reports. midland is lying ( prev complaints ), PER credit report they will fall off my credit reports

Company response to consumer: Closed with explanation