vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. 

I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. 

That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. 

I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.

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 2018-07-11 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: PA

Complaint narrative:
To whom it may concern, I took summer courses in the summer of XX/XX/XXXX, which was paid for by Sallie Mae which later turned to Navient. The amount of the private student loan was XXXX USD. In XX/XX/XXXX, I graduated from XXXX University, and I attended XXXX University to pursue a Master of XXXX XXXX. I informed Salliemae, I will begin my XXXX XXXX. I was informed as a XXXX student, I will not need to begin repayment on my student loans, and will put my loans in a type of deferment or forbearance status. A degree I finish in XX/XX/XXXX. I began repayment on my loan in XX/XX/XXXX. To this day, I have paid XXXX USD. Navient contacted me for a refinance on the loan through their own company XXXX, and my balance remaining is XXXX USD. I have contacted Navient a number times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with regards to this matter, and received no possible explanation. I am seeking help with this matter, and I refuse to pay Navient another dime. I have attached my payment history for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I receive numerous phone calls and numerous numbers from Portfolio Recovery. At least 10 calls a day. 
The only debt it could be was already discharged from XXXX XXXX for {$900.00} four years ago during a divorce. 
I can't take this harassment anymore. I'm XXXX years old and not healthy. They call all hours and as I said at least 10 times a day. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo, our mortgage lender, failed to file with XXXX County that we had refinanced a $ XXXX mortgage several years ago, which nearly led to a delay in the closing on the sale of the house ( XXXX XXXX XXXX XXXX, NY XXXX ) on XX/XX/2018.Our mortgage account no. is XXXX. We dealt with XXXX XXXX at XXXX. 

Under NYS real estate law, lenders are supposed to file a Satisfaction of Mortgage form in a timely fashion when a borrower refinances. If that doesn't happen, the lender is liable for damages to the borrower. Under the law, after 90 days, the lender owes the borrower {$1500.00}. 

In a letter to our lawyer, XXXX XXXX in XXXX XXXX, dated XX/XX/2018, Wells Fargo promised to resolve the issue by XX/XX/XXXX. This did not happen. Our lawyer had to create a special document asking our title company to indemnify us in order for the sale to close as scheduled.The lawyer charged us an additional fee of {$150.00} for the time involved in drawing up the document.

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 2018-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge Pite, LLP
State: FL

Complaint narrative:
Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: KY

Complaint narrative:
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX  onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: FL

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I opened disputes with Experian regarding an account with XXXX XXXX XXXX that is showing on my report that was settled in XX/XX/XXXX. The company removed this account from XXXX XXXX and XXXX, however after submitting documentation to Experian they continue to state that they have contacted the origninal creditor XXXX XXXX XXXX  and this information is accurate. I have all the documents and have spoken with XXXX XXXX who agrees that this should have been removed as they requested. XXXX XXXX XXXX sent Experian a letter as well as myself indicating that they do not own this account and the name of the new account holder which is XXXX XXXX XXXX. They still refuse to remove this 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 non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted Transunion about Hard Inquiries that were on my credit report that I did not authorize. I did not approve of these companies to pull my credit report or get my credit score. I have been a victim of inquiry issues. Due to all these Hard Inquiries on my report I am suffering horribly as each on counts against me and I am trying to purchase a home. The list is lengthy however these are all on my credit report that don't belong : XXXX XXXX/ XXXX My name is XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Wi XXXX XXXX/XXXX XXXX  XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX , ND XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX NY XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX FL XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/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 2018-07-11 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: NC

Complaint narrative:
I have disputed multiple times with Equifax to remove a medical collections from XXXX XXXX XXXX ( it placed at the credit bureau from Collector - XXXX XXXX XXXX ). 

I have spoken with XXXX XXXX XXXX Billing dept and they have informed me they have requested that the collection agency they use ( XXXX XXXX XXXX ) PULLED/REMOVE the collection from my credit report as it was pulled back " in-house '' into their office and was satisfied and should NOT be reported to the credit bureau. 

Each time I disputed the item ( based on my conversation with XXXX XXXX AS WELL AS MY conversation with XXXX XXXX ), Equifax does NOT Remove the item from my credit report. 

I have a letter from XXXX XXXX XXXX ( that they requested Equifax to PULL/REMOVE the collection from the Equifax b/c they had sent the concern bACK to XXXX XXXX and I also have a letter from XXXX XXXX Billing department that the collection should be REMOVED from the credit report. I do not know WHY Equifax is refusing to remove it!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I instructed my XXXX bank ( XXXX XXXX  ) to wire {$30000.00} ( XXXX ) to my US bank account ( held at XXXX XXXX XXXX  XXXX in XXXX , Virginia ). Three days later on XX/XX/XXXX XXXX showed up back in my XXXX account. Neither XXXX nor XXXX can give me a definitive answer as to why Wells Fargo ( XXXX 's XXXX XXXX  ) declined the transfer yet still charged me around {$30.00} ( XXXX ) for an incomplete transfer. Both XXXX and XXXX XXXX   advised me to speak with Wells Fargo as neither of them have access to XXXX 's systems. I have reached out to XXXX via XXXX to explain the situation -- they are now fobbing me off without offering to reimburse me the fees charged. I am not a Wells Fargo customer. 

My confirmation # from XXXX XXXX = XXXX, XXXX also gave me the following tracking # 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 2018-07-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my idenity was compromised while on XXXX XXXX. For the last several months I have been working with the Federal Trade Commision, CFPB, XXXX, Equifax, and XXXX  to get the fraudulent accounts below beneath my name. The original creditors have responded that the account were fraudulent and the accounts were removed from my XXXX and XXXX report. However, as of todays date the accounts below are still reflecting on my account. The FTC has marked the Equifax uncooperative and my attorney has sent a intent to sue letter to Equifax 's legal team. I am currently undergoing economic harm and demand Equifax take he following account of my Equifax report. Equifax has been sent police report t=plus FTC report number yet as not investigated nor removed the items from my report in the past 90 days. 


Please note ... future responses will be forwarded to my attorney, the FTC 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Credit card company raised my interest rate without prior notification, late payment was noted incorrectly on my credit report in XX/XX/2017. I paid online and credit card company sent me to the credit buero for {$6.00} after NO MISSED PAYMENTS for 12 years. This was late payment was inaccurate, they raised my interest rate, without informing me of my rights or any disclosures. The law is you have to give the customer 60 days prior notification before you raise there rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TX

Complaint narrative:
Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: KY

Complaint narrative:
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TX

Complaint narrative:
I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXX XXXX XXXX - XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX XXXX - XXXX 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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a certified letter for a cease and desist in XX/XX/2018. The company receive the certified letter and the calls continued to come to my home and cell phone. I filed a complaint on this site. I received a response back that I am not the person they are looking for and my home phone was removed. The calls continue to come in on my home and cell phone. I have never disclosed my cell phone nor do I allow calls on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: PA

Complaint narrative:
Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. 

My first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am being told by Navient on a fixed rate student loan that interest accrues daily and if I pay before my due date that additional interest accrues if I do not pay exactly same date following month. Due date XXXX of each month. Payments on XX/XX/XXXX and then on XX/XX/XXXX caused increase in interest charged because more than 30 days between payments even though payments were made ahead of schedule NOT LATE. Navient never offered/ was told could not use deferment option until after 60 months of forbearances were used up first. Also told could not qualify for teacher loan forgiveness program because of consolidation after cut off date which was not new loan. Original Loan XXXX. Have paid XXXX, XXXX. Told still owe XXXX, XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.

Company response to consumer: Closed with explanation