vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/19 I went to the TransUnion website and got my FREE credit report. They asked for my credit card, but there was no information regarding what, when, and how my card will be charged. I simply assumed this was for security reasons. I checked my credit card today ( XX/XX/19 ) and saw a {$25.00} charge from TransUnion. I logged into my TransUnion account and noticed the billing was for a " membership fee '', which was unbeknownst to me. I called the company and explained there was absolutely no language on their website that told me I was going to be charged or for how much. They would offer me no explanation and no refund. I then went to look at reviews for this website and everyone had the same experience - secretive, shady, and no explanation that they were going to be charged. This company / website really needs to be investigated. I will never use them again.

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 2019-06-11 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: Self Lender Inc
State: TX

Complaint narrative:
I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters

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 2019-06-11 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: OH

Complaint narrative:
I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters

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 2019-06-11 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: TX

Complaint narrative:
I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX. and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed

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 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Good morning. I recently filed and got a repayment plan in place which is suitable. Where I am having problems is that I worked in the nonprofit sector serving under served communities for 15 years and NAVIENT won't allow me to file for loan forgiveness. My student loans from XXXX University and Virginia XXXX for the most part would fall under the forgiveness. 

My loans have changed hands ( 4 ) times. First with the banks, then XXXX XXXX XXXX, then Sallie Mae and then NAVIENT. I filled out the form with XXXX and Sallie Mae and since my loans are with NAVIENT the forms have been lost and they ( multiple representatives ) said I can't file for it. 

I need help getting my loans forgiven, I need a manager from NAVIENT to speak with me that has knowledge of loan forgiveness and is willing to assist in this matter because I have served my community and would like the loans to be forgiven. I was calling NAVIENT between XX/XX/XXXX-XX/XX/XXXX and never got anywhere with them. One woman told me in the summer of XX/XX/XXXX that I should have filed paper work when I started working out of college in XX/XX/XXXXand I explained to her that I did many years but my loans have changed companies numerous times and that I should not be penalized for it. 

Can someone please help me. I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase online for {$710.00} on XX/XX/2019. The purchase was made to an individual through XXXX and Chase banking apps. Before the transaction went through I realized the individual was a fraud and called my bank to cancel the still pending transaction. XXXX stated they could not do anything but Chase could reverse the pending payment. I contacted Chase whom refused to do anything at all and would not allow me to make a dispute claim either. I contacted the individual and asked for a refund and they deleted their account and disappeared. I was able to find their true identity and they made all of their social media private therefore I can not contact them. I have since repeatedly securely messaged Chase bank regarding the issue with proof of the fraudulent transaction through the messages during the transaction. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank has refused to provide proof of sales for a XXXX XXXX purchase. The account has been in dispute for over 12mo and my credit continues to be compromised.

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 2019-06-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX. XXXX XXXX, XXXX, Texas are continuing to report an inaccurate charge off on my credit files as XX/XX/XXXX and XX/XX/XXXX. The original and only charge off was on XX/XX/XXXX. I've asked XXXX, XXXX  and XXXX  to correct this and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I applied for and was rejected for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF  ) Program. However, I have documentation from the USDOE stating that I am eligible for the program and meet all of the criteria. When talking with agents at the call center about my situation I am told a number of many things as to why this may have happened but even with providing more documentation and ensuring that the information I am submitting is accurate I am not getting any new answers. The information given to me is often erroneous and have pointed this out to agents nearly every time I call. My case has been " escalated '' by FedLoan Servicing yet even that agent is unable to provide accurate information and seems to be confused about my case and what exactly is the issue. I am interested in finding out my options, as it relates to the abysmal implementation of the TEPSLF program. I have all of the proper documentation that shows I am qualified for the program and quite frankly a " textbook '' case of the borrower the spirit of the program is suppose to help. I have received tons of misinformation from FedLoan about the process that has created unfavorable results for me and many other borrowers. I am wondering if there is a viable option for a resolution I may not be aware of. Thank you in advance and I am more than willing to share more details and any additional information that would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
Closing on a home, XX/XX/2019 however, on XX/XX/2019 I had to resign from my position. I will no longer be employed and the home purchase was to be financed under just my name. Without future income I canceled the purchase contract but the finance company is not willing to give a decline letter. The loan has been approved but it is contingent on employment that will end in two weeks. I have not secured a new position at this time and it appears from voicemail and email that the finance company would like to continue the process of the home purchase regardless of my employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
They have charged me a 639.87 % interest rate on borrowing {$950.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I did a agreement for {$1000.00} I have 6 payments of {$180.00} in change I already made 2 payments in currently have 4 more payments but on my report its showing another amount thats incorrect. That account is not delinquent if Im paying on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed a $ XXXX monthly account fee on my statement from XX/XX/19. I contacted customer support who told me the error was that I did not have a deposit of at least {$25.00} in direct deposits. I told the CSR that I did have {$18.00} deposits on XX/XX/19 and XX/XX/19, and she agreed that I was correct after arguing with me. She escalated the issue to supervisor, after a 30min investigation with supervisor, instucted me it was my fault that the deposits were not a single deposit of at least {$25.00}. I told them that I have had 23+ previous statements without a problem, and that this is a error on the banks side. They told me there was nothing they could do and hung up. 
I called back and was hung up on a second time. 
On the third call the bank agreed to refund the {$3.00} and told me they would not do it again in the future. 
The policy listed on Wells Fargo website indicates that multiple direct deposits are OK as long as the minimum total amount is reached. I have attached this screenshot to this 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 2019-06-11 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I found this unrecognized account CHOICE RECOVERY INC # XXXXUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
In XXXX of XXXX I was taken via ambulance to XXXX Hospital Subsequently i had numerous XXXX and was hospitalized until XXXX of XXXX. I had insurance which covered everything including the ambulance ride to the hospital. I received an invoice from XXXX XXXX XXXX XXXX Pa a few weeks later. I called my insurance company. They stated the above mentioned company incorrectly coded the billing, therefore it was rejected. I then contacted by telephone XXXX XXXX XXXX and notified them to rebill and correct the code. None of which was done. This credit account was subsequently sold to Account Resolution Services with an erroneous date of XX/XX/XXXX. I have disputed this medical invoice now for 5 years with no luck. Today i also filed a new claim with XXXX disputing the servicing dates. 

Account Resolution Services will not clarify or correct the dates of service/date of actual billing This account is now 8 years and 30 days on my account which is against FCRA Requirements. 

I would like this bad debt/medical debt to be removed from my credit report as it is the only negative remark on there. 

Sincerely 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 2019-06-11 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX  - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
XX/XX/XXXX Received a letter from Midland Credit Management introducing the company and explaining that they had taken over an account, XXXX XXXX, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to MCM saying that I had never owned a XXXX XXXX credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked MCM to provide detailed account information of all supposed purchases, to include dates and vendors. 

XXXX MCM acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. MCM also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. MCM enclosed a letter from XXXX XXXX, Vice President of XXXX saying that my loan ending in **** with a balance of {$320.00} had been sold to MCM. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a XXXX card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a XXXX XXXX credit card and that this was not my dept. I again asked MCM to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from MCM offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to MCM saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief