vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
This is my third complaint regarding navient collection process. This time the problem is them calling third parties that is not involved in this matter. I am getting calls from family concern Navient calling them several times during the day. I spoke to Navient, Mrs. XXXX XXXX, on XX/XX/XXXX concerning the loan and the method they are using to not just call family but my employer. There is no reason for Navient to do this. They have my personnel email address, home address and my cell number. I told Mrs. XXXX on the phone XX/XX/XXXX that navient needs to stop the harassing calls. Mrs. XXXX never mentioned on the call that SHE is the one calling my family. I have tried to resolved this with navient but what they want is to make our lives miserable. I explained to them what I could pay and in face have done exactly what I told them. But they are still calling my family. So I am asking your help in stopping them from not just harassing me, but ALL my family. There is not need for this but to only harass people. I am planning to send a letter to the California Attorney General regarding the extreme method Navient is using. Can you please demand that they stop the harass calling to my family IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
Hello, This claim is prompted by unfair practices performed by Calvalry SPV, LLC. I received a summons from the City Court for XXXX in the State of Louisiana. I responded to the Request For Admissions of Fact stating that I denied the amount they were attempting to collect. Prior to this action I requested in writing full debt VALIDATION from the collection attorney XXXX XXXX, to which I received a few statement pages showing the total balance due. This does not adequately satisfy a request to show how charges were calculated, including interests, fees and associated charges. Since then I received a settlement offer with no specific dollar amount. I called in to discuss the matter again and was told there was no specific amount offered but if I wanted to be considered for acceptance of anything less than the full amount of {$2300.00} I would need to fill out a 'hardship ' form and send in financial documents. During this call I asked again for the documents explaining how this debt was calculated. I was told by the representative at that time that this, along with the hardship form would be sent to me. I received the financial statement/hardship forms but never received the documents explaining how this amount was calculated. Today I called again requesting these documents and told that 'verification ' was sent out to me. I explained that I received the hardship forms but not anything else. I also stated again specifically that I was requesting documentation of transactions and how this amount was calculated. The representative then informed me that I would not be sent this information and it would be presented to me in court. I feel this is a violation of my rights as a consumer to deny me this simple request. Not once have I refused to pay. I have only repeatedly questioned the amount due to prior arrangements I had with the original creditor. This account has been incorrectly reported on my credit reports as well as now entered into public record and Calvalry has yet to show me documentation of the accuracy of the value claimed. In addition, I feel it is also unfair to deny me this information which allows me time to review the documentation prior to the pending court case. Please assist in facilitating me receiving the full list of transactions/statements they are refusing to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I opened a billing dispute with Union Bank against a merchant who refused to issue a refund for selling me a brand new washing machine that arrived broken. I tried for over six weeks to resolve the issue with the merchant on my own and only after they stopped all the communication I filed the chargeback. Under the consumer protection act, the onus is on my bank to get the money back if I can't get a refund. The broken washing machine is made available for pickup. The merchant was contacted by me numerous times, and the merchants failure to respond was submitted in my detailed letter to the bank to help with a chargeback filing documentation. The bank refused to help by stating that they do now get involved in these types of disputes.

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 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
This is in regards to the Guild Mortgage Branch below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX NMLS ID # XXXX Branch Manager : XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX based on referral of my real estate agent so I may refinance my two homes, one in XXXX and the other in XX/XX/XXXX At first XXXX was great, very communicative and great to deal with. I would say roughly XX/XX/XXXX was when communication became really bad. I would call or text/e-mail to not get a response or if I got one, would be a day or 2 later. I was told several times that we would be closing on the properties in a week or two. Those weeks became months. I waited on the order for the appraisals and reminded him many times to just not get a response. I finally got an appraisal done on the XXXX home on XX/XX/XXXX, a full 148 days later all while not hearing a thing about the refi in XXXX. 

After being fully frustrated I reached out to the branch manager,  XXXX XXXX in hope to solve this. She transferred me to XXXX XXXX to take over my account which was roughly XX/XX/XXXX. Just like XXXX, the communication was great but quickly dropped off. I was now told from XXXX that I would close the end of XXXX which then turned to the first week of XXXX which then turned to XXXX. The XXXX appraisal was completed XX/XX/XXXX after several requests for it. 

It is now XX/XX/XXXX, I sent an e-mail stating my frustration on XX/XX/XXXX. I have not heard anything back for three weeks. I reached out to both XXXX and XXXX last week to not get a response. I am now at 207 days since I first talked to XXXX. 

Through the process or dealing with XXXX, I would get a random call here and there from XXXX asking for information. My understanding was XXXX was not working on my account anymore yet it seems XXXX was just taking up the communication aspect. It would seem they never were on the same page and I had to send my documents multiple times. I also had to have my credit pulled a second time because they dragged their feet so long, my last report expired, which in turn cost me points on my report. 

This refinance has not only wasted my time but cost me money as well. I paid {$650.00} for the appraisal of the XXXX  home and even kept my XXXX  home out of forbearance which could have been saving me money in this rough time. The point of this was to save money monthly because of the hardships the economy and myself are suffering right now yet I haven't saved anything and only gained a lot of stress and spent money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
1 ) Your payment on XX/XX/2020 is pending One of your payments is pending. 

Amount : {$57.00} USD Transaction ID : XXXX Recipient : View the details of this transaction As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. One of the payments that you sent is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. 

2 ) Your PayPal account is temporarily limited Dear XXXX As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$57.00} for, " Happy Birthday : May they all continue being raised according to the ways of the XX/XX/XXXX. '' Please provide the following information : An explanation of the reference to " the ways of the XXXX. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email compliancetransactions@paypal.com. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal , Inc . 


The reference to " ways of XXXX '' is a religious reference for the XXXX XXXX. It was a message wishing my grandchildren be raised to be good XXXX. 

The purpose of this money was a birthday gift. 
MY RESPONSE 3 ) If my account is not unlocked immediately and the payment does not go through as a birthday gift to my daughter, as was my intention, I will be IMMEDIATELY filing a complaint with the CFPB for religious and prejudiced discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXXXX/XX/XXXX ; Amount : {$1900.00} Date opened : 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 2020-10-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX TransUnion andXX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-19 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: TX

Complaint narrative:
I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion and XX/XX/XXXX are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max.  After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XX/XX/XXXX because they have complied and removed the XX/XX/XXXXyears ago when they should have and were supposed too. 
It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from TransUnion and XX/XX/XXXX as soon as possible to start reporting accuracy and not outdated false information.

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 2020-10-19 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: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal account information from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my request. This information does not belong to me and they have failed to show me how they officially validated this false account. 

US DEPT OF EDUCATION ; Amount : {$9800.00}. Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : 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 2020-10-19 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: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX. 
DEPT OF ED/XX/XX/XXXX ; Amount : {$5500.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. These accounts are inaccurate & do not belong to me and Experian has failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : 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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I contacted Professional Debt XXXX inc on XX/XX/2020 regarding a account showing owed on my credit report. I spoke with a representative " XXXX '' who asked me for my social security number to identify an account in their system. Upon providing my social security number, the representative populated an account that did not match my name, nor the account number which was showing on my credit report. He informed me this was more than likely a result of idenity theft. I went on to tell him the account number and the amount showing owed on my credit report did not corresponding with the information he was providing. He went on to do a name search and came across another account which he claimed to be mine with further missing identifying information. This company is reporting incorrect and invalid information about me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
CFPB : Reaching out because I noticed on my credit report that XXXX XXXX is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

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 2020-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation