vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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

Complaint narrative:
I need your assistance in helping me to remove incorrect information from my credit file. XXXX, Equifax, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; Equifax is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX and XXXX and XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; XXXX is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

Equifax is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2019 my credit was dropped from both XXXX  and Transunion from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.

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 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citimortgage loan was paid off in full in 2018. Per CitiMortgage, they preferred to handle the Release of Lien filing and charging the filing fee to the customer, as they deemed the customer inept to do so properly. Thereafter, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2018 stating that they had forwarded a Release of Lien to my county for filing. Waiting several weeks and not receiving my filed Release of Lien, I contacted my county clerk, who stated they did as they always do and returned the filed document to the sender. I obtained a copy thereof from them. 
I tried to contact CitiMortgage and XXXX for obtaining the original filed Release of Lien several times to no avail. 
My attorney asked that I first try again to obtain the original document before they continue their work on my estate. 
As prior, I will appreciate your assistance with my request in contacting the right person for handling.

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 2019-11-06 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: OH

Complaint narrative:
I set up a automatic payment with Navient, they picked the date that the payment would take place. They then charged me late fees because the payments were made after my due date. I asked them to refund the fees and they were not willing to do so.

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

Complaint narrative:
My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the XXXX area. I tried to resolve this with XXXX and XXXX  with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.

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 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE debt collectors agreed to remove debt from my credit report. They removed it, then re-added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I closed my CD account at Marcus by Goldman Sachs. They issued me a check that never arrived. Tracking number provided was wrong, the USPS says that the mail under that number is made out to a different address. The bank refuses to give me my money back. They say it will take 90 days to reissue a check. I suspect fraud at the bank. I need my money urgently. What do I do? Who will reimburse me for the lost investment opportunity?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Acct # XXXX, I am NOT the primary on the insurance. Incorrectly identified as primary by the hospital and by HCI collections. HCI continues to say that I am the primary but they have no evidence of it because it's impossible.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After realizing credit multiple cards were opened in my name and promotional checks had been forged ... I notified Citi of my identity theft and Forgery, ( {$2500.00} ) provided police report number as well ... 
I was sent a letter stating ; I was responsible because I made payments on disputed account ... ( payments were made in good faith ) as l was instructed to do by a representative of Citi, while account was under review, back in 2018 ... 

Please help with matter, 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 2019-11-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I was a cosigner on a new XXXX XXXX XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX  had the car and took longer to send in the payoff for the car than normal and Nissan reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted Nissan financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told Nissan doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been a customer of Wells Fargo for 12 years and in the past I've never been assessed overdraft fees for pending items that has not posted to my account. On 3 occasions, XX/XX/29, XXXX & XXXX, I was assessed overdraft fees on items that posted to my account even though AFTER each item was paid, i had a positive daily ending balance. However, there were still items that was authorized/pending on my account which was affecting my available balance. 

In the past, I was always able to make a deposit before the cut-off to cover the items that was pending and as long as my actual account balance was positive when other items posted, I did not have to pay overdraft fees for those items. Now, Wells Fargo is immediately taking the funds for authorized transactions from my current balance - even though they are still pending and has not posted to my account, and causing me not to have enough funds to cover the items that post. Hence, I now have to put funds in the account to cover the pending/authorized items AS WELL AS the overdraft fees. If I do not put deposit those funds, I will be assessed overdraft fees for the pending items even though they were already deducted from my bank balance which caused me not to have enough money to cover the items that posted. 

I believe this to be an unfair overdraft fees practice. According to the overdraft fee laws, if you opt into the overdraft fee protection, at the banks discretion they can pay the items. However, if the items has not been processed and is still pending, technically, the bank has not paid them yet and therefore, your actual bank balance should not be affected by those pending transactions until the bank actually pays them. A customer should not be paying overdraft fees for pending transactions that has not be paid from their account by the bank.

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 2019-11-06 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
A review of my credit report show that DIVERSIFIED CONSULTA is reporting a debt owed to their company. I have contacted them several times through mail disputing this account and requesting validation. DIVERSIFIED CONSULTA has failed to validate this debt, proof they have a license to collect this debt, and provide me with documents containing my signature authorizing the establishment of this account. 

According to federal law debts must be valid and verified to be listed on credit reports. DIVERSIFIED CONSULTA is in violation of FCRA at this time for furnishing incorrect information that is negatively impacting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I WAS WITH OCWEN MORTGAGE SERVICING COMPANY HOME MODIFICATION ON XXXX THEY WROTE OFF PRINCIPAL AMOUNT TO BRING HOME LOAN DOWN TO XXXX FROM XXXX ORIGINALLY. 

MY HOME WAS MODIFIED WITH A SHORT APPRECIATION MORTGAGE OPTION. 

HOME WAS SOLD ON XX/XX/XXXX. 
I WAS FORCED TO PROVIDE A NEW ROOF ON THE HOME BEFORE IT WOULD PASS INSPECTION FOR XXXX OTHER CAPITAL UPGRADES INCLUDE NEW FLOOR ING {$5200.00} HVAC {$3900.00} NEW KITCHEN {$12000.00} PEST CERTIFICATE {$2800.00} PAINT {$800.00} FENCE {$3000.00} I ALSO PAID THE ORIGINAL OWNERS A BALANCE OF {$35000.00} ON THE HOME THEY SETTLED THE APPRECIATION MORTGAGE AND DID NOT GIVE ME ANY CREDITS FOR ALL OF THE UPGRADES TO CLOSE ON THE HOME. THEY DID NOT GIVE ME ANY AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Premier Student Loan Center
State: IL

Complaint narrative:
I've been paying premier student loan and it looks like they are in a lawsuit with the government. Seems the business is temporary shut down but they have been taking payments from me for a while

Company response to consumer: Untimely response
Consumer complaint received 2019-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Back in XXXX, XXXX, XX/XX/2014, I was a single mother and receiving little to no child support and had difficulty making my student loan payment. I contacted Navient to ask for help with this issue. There was an extreme amount of time -- three months actually -- until the deferment was approved. During that time frame I decided that feeding my children was more important than paying the monthly student loan payment. Navient never offered an alternative such as a reduced payment based on my income, which I now find out was an option. The result is a credit report that reflects the three months of non-payment of these three student loans which happened almost six years ago as I was awaiting my deferral. Please note : This is the ONLY " ding '' on my credit report. Since that time all of my children have attained the age of adulthood and I am no longer in the financial position of being unable to pay my loan. Since the end of my deferral I have not missed any payments on any student loan or other financial obligation. How can my credit score still be impacted so greatly by something that was caused by necessity to feed my children and the length of time it took Navient to process the deferral? Why wasn't I given the option of a lower payment so I didn't have to be punished with higher interest rates, lower credit score, and being branded as a person with " severe delinquency '' on my credit report for seven years until it is erased? This seems like a harsh punishment that does not fit the crime. Please help me find a way to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: SC

Complaint narrative:
XX/XX/XXXX contacted mortgage company regarding insurance payment status as insurance was due XX/XX/XXXX and I received a termination letter in the mail. Lady states they have information pending payment from mortgage company. Issue should be resolved soon. 

XX/XX/XXXX spoke with XXXX manager at mortgage company was told they would call and find out information about it and call me. No return call. 

XX/XX/XXXX spoke with XXXX and was told payment was going to be released and will be paid XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX spoke with insurance company no payments have been received XX/XX/XXXX spoke with XXXX and he states they are still working on it and it will be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital Ones partnership with Walmart for their credit card is a disaster. I applied on XX/XX/19. It said it needed more information to complete my application. Ive called repeatedly and nobody knows what that information is. I was told Id receive a letter 7-10 days after I applied but today the representative told me a letter was never sent and could not give me any timeframe for review, only saying it is processing. This is unacceptable to just string customers along like this. Ive offered pay stubs, utilities bill, my drivers license. They tell me they dont know that they need yet. Capital One/Walmart need to process applications in a timely manner.

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

Complaint narrative:
XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.

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

Complaint narrative:
XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.

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 2019-11-06 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:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.

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