vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying this loan for 13 years it hasnt gone down its still the same and my interest rate was a lil high I recently called them .they said that I owe XXXX and they can reduce it to XXXX so they where also threatening me if I dont pay it will go to collections and they could garnish my wages so I took money out of my retirement to pay that off. then out of no where they said I owe for another loan thats XXXX I try talking to them and they didnt want to help me and they keep sending me letters if I dont pay that they can take me to court and garnish my wages now with the Covid 19 theres still sending me threats to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 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: NE

Complaint narrative:
They are reporting a collection account in the amount of {$40.00} for XXXX XXXX XXXX. They are reporting the debt twice on my credit report. This is not my account. I have disputed this item several times with the credit bureau.

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 2020-04-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a dispute with Experian first week in XXXX because they kept showing the wrong information about a credit card I have paid off to XXXX balance after a couple of tries they removed my credit card account off of my credit report and it made my credit score go down I just wanted them to report the balance as XXXX I did not want them to remove my credit account please help me resolve this matter any way you can thank you.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Web Source Market LLC/DBA Collection Shield 360
State: IL

Complaint narrative:
On Monday XX/XX/XXXX I called XXXX XXXX to cancel my membership with them as I knew the nest time I'll be billed was coming up soon. It was a 45 minute wait I was on my 30 minute lunch so after 30 minutes of holding I hung up. Well I got off early on this Friday XX/XX/XXXX and I called XXXX XXXX back and waited 30 minutes finally a rep answered and stated that since I signed up with Collection Shield 360 ( A free service ) that I have to cancel through them. At that time I was told that they're closed that the ONLY way I could cancel the services is via email. The rep gave me the email address. I immediately email them. Now I noticed I had a pending charge of {$9.00}. The rep stated that they'll give me a refund. 

Now I've had Collection Shield 360 before and it was a free service and they used your XXXX XXXX credit reports to do the disputes on your behalf. When I signed up this time you're forced to sign up with XXXX XXXX in order for them to do the disputes for you for free, in which it's not free it's a gimmick. Free is free. 

Well today someone name XXXX responded back to me. I never been so made with a unprofessional rep. The way she responded back she should be fired off GP. She doesn't serve a purpose. The refund is only {$9.00} this woman responded like I was asking for her to give it to me from her banking account or her prepaid card. I'm writing a letter you don't talk to people like that as we're the reason that she has a job. All correspondence are attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I filed complaint # XXXX-XXXX  with " XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX responded with an offer to make catchup payments for my mortgage which was what I asked for! This is good, except before I could make any payments they sold the mortgage to : " Fay Servicing LLC '' XXXX XXXX XXXX XXXX XXXX, TX XXXX I was sent a payment coupon stating {$47000.00} would bring my mortgage up to date. 
the payment would have to be received prior to XX/XX/2020 to not incur more fees! 
I sent My Check # XXXX for {$47000.00} dated XXXX along with their coupon. I have been calling Fay Servicing about the check due to it not having been cashed. I have called several times but today XX/XX/2020 I was told they received the check but would be sending it back! Why? I was told they do not have to honor the repayment schedule. 

Check was mailed to : Fay Servicing , LLC Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX I am now back to square one. This is a total scam! What can I do? 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I deposited a check issued to me by the NC State Treasury in my North Carolina State Employee 's Credit Union 's proprietary ATM. The treasury check was a refund of my retirement contributions while working as a local government employee. Given the COVID-19 crisis and the update provided on the credit union 's website, the ATM seemed the appropriate choice at the time. The check totaled {$10000.00}. A State Employees Credit Union representative, XXXX, contacted me at XXXX XXXX, Monday, XX/XX/XXXX via phone. She left a voicemail stating that they were placing a hold on the funds until the morning of Friday, XX/XX/XXXX. I called the local contact number listed for my branch at XXXX XXXX, on Monday, XX/XX/XXXX to inquire about the funds ' availability. The representative that I spoke with via phone advised that the funds would be available at XXXX, XX/XX/XXXX. 

The Expedited Funds Availability Act states the following pertaining to this matter : 1. Cash and other next-day checks deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a Federal Reserve Bank or a FHLB ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) 2. Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ) A depositary bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depositary bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. 

I believe that the financial institutions hold on the funds is discriminatory. The account is over a decade old, and the deposited check issued from the State of North Carolina 's treasury. There seems to be no apparent reason that necessitates holding all of the funds in excess of {$5000.00}. It took a considerable amount of time to receive the funds, and are needed to purchase essential supplies and pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Wanted to do a {$8000.00} balance transfer. Never did receive any monies or funds and was billed. The company will not answer their phones and not respond to many texts on their website. They promote they're 6 hours promise to respond but I have tried for several weeks with no response. Instead I received statements demanding payment for {$0.00} monies. 

I'd like to file suit for what ever I can for un just business practices and lowered credit scores! The company is Barclays US with the ring card.

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 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I was temporary laid off as a non essential business employee because of Covid-19. 
I was approved for a mortgage forebeafance but the mortgage company said that the entire unpaid amount will be due at the end of the forebeafance because the Cares Act does not currently allow payment deferral. 
If I cant make a monthly payment because of the pandemic, how will I be able to make a lump sum payment of a few months all at once while out of work!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I paid my last statement in full 3 weeks prior to it's due date - have since gotten late fees and now a notice of default. 
See complaint # XXXX I have never had a late payment and my credit records have always been impeccable - I am a responsible senior citizen that's being taken for a ride. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I was approached by Sofi lending services to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX XXXX  ''. 
I contacted XXXX  and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CO

Complaint narrative:
There is still a XXXX XXXX XXXX XXXX credit card on my report. I have submitted numerous complaints against XXXX. I told them repeatedly that fraudulent charges were made to the account and XXXX did nothing. It has remained on my report this entire time. I will never do business with XXXX again. THIS DEBT IS OVER SEVEN YEARS OLD, IT MUST, BY LAW, BE REMOVED FROM MY CREDIT REPORT. PLEASE REMOVE IT IMMEDIATELY. Thank you.

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 2020-04-13 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: IL

Complaint narrative:
XXXX XXXX XXXX reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with XXXX XXXX car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my XXXX XXXX  accounts and my Equifax score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Keeps reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with Navy Federal car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my navy federal accounts and my XXXX  score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
There is still a Barclays Bank Delaware card on my report. I repeatedly told Barclays that fraudulent information was on my report. Barclays did nothing to help. I will never do business with Barclays again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED 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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
Called PennyMac my servicer about Mortgage suspension/forebearance program said it was not automatic I had to be approved and only through XX/XX/XXXX 90 days. This is not what the .gov site says is available.. The site says 180 days with extension of 180 and only a statement that you are struggling with making payments due to Covad. Loan # XXXX/XXXX XXXX/XXXX XXXX, Ut Gov.com website states : Second, if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: PA

Complaint narrative:
XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.

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 2020-04-13 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: CO

Complaint narrative:
There is still a XXXX XXXX XXXX card on my report. I repeatedly told XXXX that fraudulent information was on my report. XXXX did nothing to help. I will never do business with XXXX again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was approached by XXXX XXXX XXXX to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX Experian ''. 
I contacted Experian and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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