vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I applied for a loan modification earlier in the year. Not only was the process agonizing, I made all the trial payments. I finally received the permanent loan modification in XXXX if I remember correctly. It is now XX/XX/2019, I have NOT received any NORMAL UPDATED MORTGAGE STATEMENT since this loan has been permanently modified. Please help me obtain a normal mortgage statement.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ABR Recovery Services LLC.
State: MI

Complaint narrative:
Could not verify my debt, did not recognize amounts, would not provide address or information to verify if they were legitimate, left voice message threatening to come to my residence or place of employment, acted very suspiciously and made notion of it being pre-trial remediation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XX/XX/2019 I sent a request to Experian and XXXX for the 4th time in 1year to have the information regarding the XXXX XXXX XXXX account removed from my report. I informed Experian and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at XXXX along with verification of a contract with my social and signature, and how the obtained the information from XXXX. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. Experian and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at XXXX submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. XXXX was part of state-wide lawsuit here in Connecticut.

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 2019-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I currently have multiple student loans with Navient which are all under my name and my name alone, recently I fell behind because my husband lost his job and I am providing for my whole family including a newborn. Navient has told me there is nothing they can do to help me at this time so the loans are being paid as I can pay them. Recently on XX/XX/19 Navient has started to call my Mother about the status of the loan and trying to contact me, my Mother is not co-signer on the loan and has no responsibility to pay back the loan on my behalf. Navient had reached out leaving more than 1 message for her on her personal cell phone. This company is harassing my family now over an issue that was addressed with them but they could not do anything to help. Feeding my child and keeping my home is where my money is going first and then to Navient as I can, I feel as if this company has and does use illegal tactics to harass borrowers and at no point should be contacting my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
Have made all payments but its insanely high. They refuse to lower and interest builds at alarming rate. Its a black hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, I attended a concert and was picked up by a cab driver. The cab driver said that the price would be reasonable. We traveled for a short distance, and when I asked the cab driver how much it would be, he said XXXX dollars. I told him to charge me XXXX dollars, to include a XXXX dollar tip. I paid by debit, but did not sign anything, enter my pin, or get a receipt. Two days later I saw the cab driver had charged me XXXX dollars. I called CitiBank immediately to dispute the fraudulent charges of XXXX dollars ( XXXX less the agreed-upon XXXX dollars ). They told me to fax the details to them. I did. 

They sent me a follow-up letter asking for more details. I sent my reply by mail. I also called them a number of times asking about the status. They then sent a letter saying that they had not received a response. I sent them the details by letter again, as the fax number they provided gave me a busy message repeatedly. I called CitiBank directly and told them the details of my response over the phone and they noted it. They then sent me a letter saying they had sided with the merchant due to a lack of response on my part and closed the dispute. I appealed it, and they sent another letter ( received on XX/XX/2019 ) saying it had been too long from their original request for information from me. 

It was not possible to get in contact with them in a fashion to resolve this dispute, and they did not take note of the letters I sent to their address they provided. I am very disappointed by this. I have attached the original communication I sent to CitiBank below with all of the relevant details.

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I signed a contract stating that I would receive {$120.00} for Equifax due to thier security breach. I received another email informing me that I must amend my complaint and the sum of money would be less. I signed a valid contract and those terms are enforceable. No one can make me amend that contract, in order to give me LESS. This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/19 my cash app starting sending me text notifications that my pin was changed and my phone number has been changed. During this time I had not been in cash app or using cash app for quite some time. When I checked my cash app I noticed several transactions of removing money from my bank account adding it to cash app, then buy bitcoins. None of these transactions have I authorized, no one had my phone or was using my phone and I didn't speak with or give any of my personal information out over the phone. Now I have {$3500.00} sitting in cash app that I can not retrieve. Cash app deals with millions of dollars and they can't even have a customer service person to speak with over the phone. You have to email them, which seems very suspicion to me. And no one emails you back timely. In this day and age anyone could be on the other side of that email. I believe someone within Square inc and the cash app company are stealing peoples money and making it look as if the user is sending it to themselves so the bank can't reverse the charges. They are scammers and fraudulent and my consumer rights have been violated. I would like to have this company investigated and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported on my credit file a repossession of a vehicle of which I have never financed. 
XXXX XXXX XXXX was incorporated in the state of FL on XX/XX/XXXX, of which the credit reporting states that XXXX XXXX  financed a vehicle under my name on XX/XX/XXXX, and repossessed on XX/XX/XXXX, this clearly represents fraud, how is this possible since the company did not exist according to the crediting reporting stating that I bought a vehicle on XX/XX/XXXX and was repossessed on XX/XX/XXXX. I owned a XXXX XXXX XXXX XXXX which was financed from XXXX XXXX, under my x-wife name and was awarded to me in the divorce settlement, in the state of Florida. 
This company doesn't legally posses a retail installment license, or fiance license in Florida to finance vehicle or make legal loans to consumers who purchase vehicle from other owned entities associated to 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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had a Bankruptcy on my credit profile since XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XXXX   -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -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 2019-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Harassing mail and told wouldnt put this on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX   and XXXX  with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX  and XXXX  never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have had a Bankruptcy on my credit profile since XX/XX/XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To whom it may concern, I would like to file a complaint that Navient fraudulently took out {$240.00} from my checking account without my authorization. In the prior month of XXXX I successfully cancelled an auto-draft payment for student loans and it did not come out. This month on XX/XX/19 Navient took money out of my account that without my authorization. 

I spoke with Navient on the phone today on XX/XX/19 and they have verified that it was taken out and acknowledged today that it has been cancelled. The supervisor claims to have escalated the request to get my funds returned, but says it will take at least a week for me to get the funds returned to me. This will affect my available funds to pay necessary bills in this pay cycle. 

I would also like to file a complaint against the agent XXXX that answered my call. She did not ask me my concern when answering my call, and went right into asking me when I am going to make a payment. I feel is very rude and not very customer friendly. This clearly shows that this company cares nothing about their customers, or expresses empathy or any concern for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof. 

Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear XXXX XXXX Complaints, I have been waiting for almost 6 months for Citi Card to resolve my disputes with XXXX XXXX, initiated on XXXX. There are 5 disputes in all, regarding the same installation dispute. Oddly Citi was able to resolve two in my favor -- D # XXXX for {$300.00} and XXXX for {$60.00} -- but the last 3 remain stuck " in progress. '' I am very confused why, with the same extensive documentation, expert opinion and clear proof that smaller cabinets were installed than what I agreed to pay for, that these last 3 disputes remain unresolved ; D # XXXX for {$1000.00} ; D # XXXX for {$1200.00}, and D # XXXX for {$240.00}. XXXX XXXX will not respond, and neither will Citi. 

During this dispute process, Citi has lost documentation, closed some of the disputes for taking too long to submit evidence ( really? ) after I sent and resent all requested documentation numerous times in numerous ways -- and then reopened the cases after hours on the phone in protest. Despite 8 phone calls, I can get no closer to a full resolution. 

I have included many attachments below that show the time lines, along with all of the proof that I have submitted to Citi regarding Closet World 's failure to install what our contract stipulated, and a letter I sent requesting that all the documentation I sent be applied to all of the open disputes. 

Thank you, I truly hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Removal of fraud alerts from my Experian 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 2019-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
My initial agreement was with XXXX  XXXX XXXX. The account went to a collection agency by the name of National Credit Adjusters. I made a payment arrangement with them and paid on time as agreed. Due to lack of employment this year, ( XXXX ), XXXX, I was unable to continue the arrangement. My initial balance was {$5300.00} ; I consistently paid and the current balance is {$950.00}. I explained to them that it is not in my current budget due to other debt from being unemployed and I feel this debt can be settled. They offered for me to pay half of the {$950.00}, but I refuse due to how much I have already paid and it not being in my budget. They refuse to settle it without me continuing to pay and they continue to call me daily even though I have already explained and spoken with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have been with USAA ( United Services Automobile Association ) for years and after I filed a complaint with the Credit Bureaus about Equal Credit Opportunity Act ( ECOA ), algorithm issues with regard to my credit scores, Fair Credit Billing Act ( FCBA ) - a lot of my creditors started to change my terms and conditions. There have been an unexpected increase in interest rate, was charged too much interest with USAA surprisingly. I have $ XXXX minimum payments which is unreasonable and I requested for an installment loan to pay the debt of faster - get the credit card back on track and was denied - there is inflexibility. It is a USAA rewards XXXX XXXX so I am not sure if XXXX XXXX is influencing USAAs decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: IL

Complaint narrative:
Hello, I sold my home at XXXX XXXX XXXX XXXX XXXXXXXX XXXX and purchased a new home in XXXX XXXX. We were scheduled to close on the home in XXXX on Wednesday, XX/XX/XXXX. I was advised it would be completed on time, I signed the closing documents, and turned over the keys on XX/XX/XXXX to drive to XXXX. We were scheduled to close on the home in XXXX on XX/XX/XXXX. 
Due to misinformation and the gross negligence of the buyer 's lender, XXXX XXXX, the closing of the house in XXXX has been delayed indefinitely. I am unable to close on the new home in XXXX  until we finish closing on the house in XXXX because I can not afford two mortgages. 
Its been two full weeks and we still have not closed on the house in XXXX. I've been homeless in the XXXX XXXX area during this time and have had to pay for a hotel while waiting for XXXX XXXX to give the clear to close. I have two pets and with the hotel and additional pet costs, it's cost me over {$2000.00} in living expenses while waiting for XXXX  XXXX. 
I've contacted the buyer 's lender, his branch manager, the Chief Complaint Officer  XXXX XXXX, the Vice President of Compliance XXXX XXXX, and the XXXX XXXX President and CEO XXXX XXXX. I've also submitted a formal grievance to the Colorado Housing and Finance Authority, the Colorado Attorney General 's Office and the Colorado Department of Regulatory Agencies, Division of Real Estate. 
We still have yet to see resolution from XXXX XXXX. Their negligence has negatively impacted the livelihood of both my family and the buyer 's family significant. 
Any assistance the CFPB could provide in urging XXXX XXXX  to take action would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$27000.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$450.00} Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Term 72 months ( 6 years ) PAYMENT HISTORY You've made 99 % of payments on time Current Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Open Type Auto Responsibility Individual Remarks Fixed rate Times XX/XX/XXXX days late XXXX CONTACT INFO 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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation