vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: NH

Complaint narrative:
On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Collection Agency  continues to remove this collection from  XXXX  and reinsert it without my knowledge to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a go od credit score. I agre ed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would take  2-3  weeks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would take  XXXX  MONTHS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue an d my credit score wo uld not be impacted.

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 2017-04-27 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: FL

Complaint narrative:
I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I refinanced my home mortgage. Initi ally, the Loan w as serviced by  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , the Servicing was transferr ed to SLS Loan Servicing. I  have asked SLS to provide me with an amortization and payment history on the Loan, and their response is that they can only provide Loan information from the date they commenced servicing. Therefore, they want me to request an amortization from  XXXX   XXXX  from the closing date to the date servicing was transferred. See the attached email response from SLS.     How can SLS service the Loan if they can not provide a complete payment history? I am asking for a history because I made an additional principal payment of {$3500.00} on  XXXX   XXXX ,  XXXX , and that payment does not appear to be credited to my account.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with  XXXX   XXXX . It is administered with  XXXX   XXXX  agency a member of  XXXX   XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results.     I am having issues with them now because my mortgage company,  DItech, has not  received the  XXXX  payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau.  XXXX  let me know my payment was late around the middle of  XXXX . I called  XXXX  on  XXXX   XXXX  and they (  XXXX   ) to ld me they were aware that a check they sent to Ditech had not been cashed.  XXXX  gave me a  XXXX  tracking number for the check they said was delivered on  XXXX   XXXX . I called  XXXX  and they looked up the tracking number. There was no such number with  XXXX  or the US postal service.     I called  XXXX  on  XXXX   XXXX  and talked to  XXXX . He said he would escalate the problem and I would hear back in  24-48 ho urs from  XXXX  the supervisor. I never heard from  XXXX . I called  XXXX  again on  XXXX   XXXX  and talked to  XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today,  XXXX   XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering  XXXX  's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed the public record with transunion. They have claimed it is verified by the furnisher which i s US Bankruptc y court. I have corresponded with the bankruptcy court and they have verified that they do not verify with the bureau s on 3 occasion s. I have asked the bureaus for the names and phone numbers of the person or persons from the bankruptcy courts who verified this item. They have not produced it. They have told me that it was verified by a third party which is not valid. Also i know that i have not signed any contract with any party giving any rights to report this invalid item to my credit report. I have also asked for any contract permitting this to be reported to my file maintained by transunion which is required by the FCRA they have not responded. I am asking for these items publicly so that transunion can not dispute that these items have not been requested for the third time.

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 2017-04-27 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: Empowerment Ventures, LLC
State: NY

Complaint narrative:
Starting around  XXXX   XXXX , some strange charges began to pop up on my accoun t. ( I Have A  RushCar d ). B eing the product of a scam months ago i have n't felt safe enough to open up another card with another financial institution so i decided to go prepaid for a while & boy was that the worst idea ever!!     Sine  XXXX   XXXX  there have been multiple other charges on my account to other establishments and in the end i ended up losing at least {$300.00} in this process. I have repeatedly tried to contact RushCard via email & phone for 6 days now and i still have n't heard back from anyone in regards to this situation. I 've found more luck in directly calling the establishments themselves. I have bills to pay and since i cant speak to a representative i now can no longer pay my bills and that is unacceptable because I have a  XXXX   year old who  needs things!!!     it is so distasteful that rushCard has a phone number but does n't give you the option to speak to a rep & even after using their suggested ways of contacting the company you still get no one. i need this to be resolved and i will probably NEVER USE RUSHCARD AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has delayed removal of a default judgment reported on my credit report and made it difficult to submit supporting documentation online. Now after working on this matter for over 30 days, they have informed me that I must mail in my supporting documents thus delaying the corrective action even longer. I am in the middle of purchasing a home and need to have my bank prequalify a purchase but am required to work with Experian to fix the misreported information before moving forward with my loan approval process.     Thank you for your help to resolve this issue with Experian.

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 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.

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 2017-04-27 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: AL

Complaint narrative:
Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: MI

Complaint narrative:
I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have boxes full of communications from  XXXX  yet although I have been in touch before they continue to claim they can not process my requests continually asking for varied forms Of ID - as if that would stop a crook! My opinion is they have numerous delay tactics such as you can not get through via internet or phone and certainly this! In my opinion they are complicit in the lowering of credit scores not only for me and mine but all Americans having the protection of saying they have nothing to do with anything they just report! If so who do they SERVE the consumer or the lenders! Furthermore I have in writing multiple correspondence stating fraud alerts were placed on the accounts by all  XXXX  agencies, removed by Transunion prematurely and then put back and after that failed I finally placed a worthless security freeze which theycevidenyly ignore or do not know of! Secure my credit from 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 non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am a victim of dual tracking . Ocwen forclo sed on my home while being reviewed for a modification

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.

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 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.

Company response to consumer: Closed with explanation