vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Yesterday I received a call from NAVIENT because I was supposedly {$90.00} dollars past due and they called be to make a payment arrangement I told them my payments were on time and I did not have to make any payment until the  XXXX  of  XXXX , they told be that my payment from  XXXX  was reversed to my bank and I told them that my bank does not accept reverals because I have the  XXXX  account and once the bank makes the paymeny it automatically deduct the money from my account, the  1st  person I spoke to was very demanding saying that I have federal loans with them and did not let me talk, the 2nd person told me he did not know that and my payment was reversed for  XXXX  $ and I have a federal loan with them. I told him that I paid  XXXX  $ on  XXXX   XXXX  and  I donot have federal loans.with them because I only have privateloans. I spent  4  hours on the phone with the  3rd representative explaining the situation that on  XXXX  they said my student had a balance for  XXXX  for {$140.00} and from  XXXX  on they were going to increase because even I am fullimte graduate student I maxed out the deferment time and by  XXXX  my loan was going to increase which they had to give me the lowest I could pay which was  XXXX  $ and they told me I could make several payment if I can not pay the full amount of {$230.00} as long I do not pass the deadline to pay.     For  XXXX  I made  XXXX  payment an sent  XXXX  $ total, for  XXXX  I did the same and sent {$230.00} before the  XXXX ,  Yesday  my account appeared as past due. I do not know what they did but now I 'm supposedly have to pay {$150.00} for  XXXX  but today I just received a delinquency letter for the amount of {$240.00}. and the letter was sent to my cosigners again when my loans are on time and with no delays.     The have a lot of people putting their fingers on the accounts, they call you and said the payment was reverse and whatever comes to their mind and they put your account on past due even if the account is on time. They should not have people with no knowledge managing these accounts and they continue messing with my credit and my cosigners credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have signed up credit monitoring, my experian credit report can not be pulled as well as my score, i was able to obtain  XXXX  and  XXXX , the information showing when i tried to pull experian states fico score not available due to limited information or a lender has reported you as deceased, i want experian to correct the accuracy of the information on my personal data and information so i can obtain my report and scores.

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 2017-05-02 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: GA

Complaint narrative:
On  XXXX   XXXX , I discovered  XXXX   (   XXXX   )  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On  XXXX   XXXX , I discovered  XXXX   XXXX   XXXX   XXXX  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

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 2017-05-02 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: GA

Complaint narrative:
On  XXXX   XXXX , I discovered  XXXX  (  XXXX  ) was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

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 2017-05-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have  XXXX   XXXX   XXXX  accounts reporting on my   XXXX   XXXX   and Equifax reports.  XXXX  ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY NOT report the account as delinquent or demand that the  amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask   XXXX   XXXX   and Equifax to make these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  40  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  7-10 years so they can fall off my credit report. I do no t think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all   XXXX   credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

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 2017-05-02 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: AL

Complaint narrative:
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is stating I owe a debt of {$260.00}. I repeatedly disputed this claim several times via mail over the past 2 years because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 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: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I paid for a used  XXXX     XXXX   XXXX    and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically.     I purchased the car on  XXXX   XXXX ,  XXXX . It is now  XXXX   XXXX ,  XXXX  and my car has not been fixed and all correspondence has ended between  XXXX   XXXX  ( the employee who sold me the car ) and myself.     I have email correspondence with  XXXX   XXXX  ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his  manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car.     Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after   XXXX   XXXX   XXXX   with the all legal powers you have. They are no longer responding to my emails or phone calls.     Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On    XXXX   XXXX    my purse was stolen I called the bank to shut everything off and the said I have to come in NOW however my car keys were in my stolen purse On    XXXX   XXXX   I  came into the Bbt    XXXX    ga branch and was told I was too late as I was told to come in yesterday.   The banker,  manager  and tellers refused to allow me  (  as an irresponsible adult ) has lost all rights to choose to close account or to choose to change banks! It was n't until I asked a customer to call police for me that they allowed me to close accounts although at no time did they allow me to actually use my hands to even touch a very large stack of  XXXX  dollar bills that did belong to me!   I have received a call from  Bbt  customers service to my home on    XXXX   XXXX    from    XXXX   XXXX    informing me that branch managers erase their own tapes and all complaints need to be made to that branch manager.   I have a police report and was told he has a subpoena for that video but was also told I 'd hear from him before the end of the week last week!   I 've been in touch with  Corp bb &amp; T the y 've told me they 'll investigate and also told me to stop calling or emailing!   I 've been robbed of {$6300.00} my biggest concern is this is going to happen again to someone else! PLEASE PLEASE PLEASE INVESTIGATE 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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: GA

Complaint narrative:
Received letter from allied interstate on  X/XX/17    for debt of $  XXXX  I  've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of    XXXX   XXXX    or  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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Received letter from XXXX XXXX on XXXX/XXXX/17 for debt of $ XXXXI've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of XXXX XXXX or Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I just need  3 mo re days in order to pay in full. I have a sells closing date of  XXXX / XXXX /  XXXX   and  Wells Fargo i s trying to auction my home today.     My daughter 's boyfriend/fiance has financed my home ...      Wells Fargo w ill be paid in full ... every single penny owed ...     I spoke with     XXXX   XXXX     at  Wells Fargo  and I faxed her all the documents she said she asked ...     I also did everything that their attorneys at      XXXX   XXXX   XXXX      asked ... I spoke to  XXXX  ...     My mother had a reverse mortgage and I could n't get approved ... I tried, but I do n't make enough ...     I just need until  XXXX / XXXX /  XXXX   to close and they will be paid in full that same day ...     Please I 'm not working and I 'm too young for retirement ...

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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus Inc , has failed to abide by the servicing guidelines in connection with the  HAMP  and Non-HAMP loss mitigation options by the Treasury department in connection and also failure to abide by the   XXXX   XXXX   XXXX   underwriting guidelines published on    XXXX   XXXX  .      On    XXXX   XXXX   XXXX  , Seterus Inc , denied our mortgage assistance request and claimed that we did failed to provide a " hardship '' letter. The record reveas that on    XXXX   XXXX   XXXX     , the hardship letter was provided. Therefore  Seterus Inc  have provided false information in connection with a  Federal Program  in order to acquire a denial.     Upon receipt of  Seterus  correspondence, we contacted the servicer and was told that no other information was needed because were in receipt of a full package and that the loan was sent to underwriting.     Following this conversation few days later, the servicer changed recounted their explanation for the denial and claimed that the application did not reflect the correct amount of the  S.S Income  provided. Seterus inc, claims that the application reflects the e S.S.  Income of {$360.00} and the bank statement reflects other amount.     We explained to the servicer that the application reflected the correct amount for the following reasons : 1. Only i    XXXX   XXXX    executed the note and not my husband   XXXX   XXXX     therefore my husband income has to be reflected under " contribution '' and not appropriate to be reflected on the S.S  Income.      My husband provide all applicable documents in connection with the treasury department guidelines, as well as evidence of contribution and well explained. The bank statement reflects the amo unt i receive of S.S Income w hich is exactly what i receive, while servicer claims that i did not provide the full amount.  Servicer i s playing stupid and claims that I receive {$650.00} of  S.S Income  and also {$360.00}. The record revelas that the {$650.00} is my husband  S.S Income and n ot mines. He furnished, bank statements to prove this and also explanation letter.   It is obvious that  Seterus  continues to act in bad faith in connection with a federal program.     Be advised that the servicer denied our previous mortgage assistance request, although we abided by the trial payments. On the second payment Seterus cancelled the loan modification claiming that we did not provided the " PMI '' amount. We made two payments pursuant to the amount reflected on the approval however they claim that we had to add the PMI our selves.  Seterus  filed a lawsuit after the denial which is what they really what had in mind all along.     Seterus has acted in bad faith and we request that they reopen the mortgage request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
On  X/X/XXXX  I started paying  Works and Lentz  {$75.00} a month a total of {$3000.00} as of this day after being threatened to sue on first notice of this debt, threatened over the phone that if I did not pay at least this amount every month that they would have to proceed through legal actions. I never received a bill from the hospital. I had no acknowledgemention of this debt. I did however receive other bills from the hospital (   XXXX   XXXX   XXXX   XXXX   XXXX   etc. ) Which were all paid for. I was caught completely off guard when Works and  Lentz first c ontacted me and because of the manner of which they decided to address themselves I was to scared to question or do anything about it and did not know I could do anything about it. I have asked Account manager  XXXX   XXXX  from m Works and Lentz t o send me verification of this debt and account summary 3 times and have never received. The amount of this debt is currently {$11000.00} it started at {$14000.00}  Works and Lentz f irst received our account on  X/XX/XXXX . After already paying thousands to the hospital for the other bills and never even hearing about this one I was very upset that the hospital never even gave me a chance to try to pay this bill by never sending me anything about it and now this bill has hurt my  cr  edit score  significantly. Works and Lentz  reported to the credit bureau   XXXX   before even contacting me. The amount reported was {$13000.00}. {$1300.00} less then what they say I owe.

Company response to consumer: Closed with explanation