vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 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: LEXISNEXIS
State: WY

Complaint narrative:
I received a 112 page report from Lexis Nexis after investigation from a Bank Lender in which I was turned down. Upon inquiry and review of the report. It reflects Various different names including various Social Security numbers. Multi State addresses of various origins [ with various names, social security and addresses of multiple persons ]. Accounts that are in excess of 7 years or no relative nor belonging to myself. Not gender specific and includes multiple levels of false and fraudulent materials. The company claims to have retrieved their information from public sources or the major Credit Bureaus. I know that from working with the credit bureaus that 95 % or better is not even listed on my accounts. This is the Second attempt to challenge their information and would like the CFPB to assist with enforcing the accuracy and correctness of what this agency is reflecting. It has caused me to be denied credit multiple times and It was not until I called them directly to dispute an item that I learned of the " 112 '' page errors and inaccuracy. I have been denied employment as a result of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Panorama Mortgage Group, LLC
State: FL

Complaint narrative:
Our loan originated with Alterra Home Loans on XX/XX/XXXX. In XX/XX/XXXX we requested to enter on a Forbearance plan due to the expenses caused by the mandatory evacuation of our area ( XXXX ) caused by Hurricane Irma. This was granted for 3 months with an extension for 3 more months, until XX/XX/XXXX. On that month, we started paying for a 3 months TRIAL period in which we were going to be deemed of a refinance of our loan ( meaning, moving the payments we didn't have to pay on the Forbearance plan to the end of the loan and pay it then ). 

On XX/XX/XXXX, our loan was passed/sold to XXXX XXXX. Since then it has been a total nightmare. Alterra never send them the totality of our paperwork, so they are saying we are severely delinquent, they have reported this to the Credit Bureaus and our score dropped significantly. I have been talking to XXXX for the last 4 months with absolutely NO improvements on our situation whatsoever. They are now calling us several times a week, nagging us about getting up to speed on our payments!! 

Be have never asked to have another loan servicer! and we are victims of two AWFUL, scrupulousness companies! 

We have paid as much an as regularly as it was asked by both companies and we have only received bad service and a considerable drop on our credit score, affecting our lives significantly. 

Please do something!! 

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold an item on XXXX on XX/XX/XXXX, for {$52.00} and {$7.00} shipping, totaling {$59.00}. The transaction was processed through Paypal, and the funds were supposed to be released to me by Paypal on XX/XX/XXXX. The tracking system confirmed an XX/XX/XXXX delivery and the buyer left positive feedback on the transaction. On XX/XX/XXXX, the funds were not released as promised, so I first contacted XXXX and was told [ by XXXX ] that it was a Paypal issue, since the transaction had gone through Paypal. The reference number for my involvement with XXXX on this issue is XXXX, and it will confirm what I've stated. I then contacted Paypal, and was told that it was an XXXX issue, and even when I pointed out that XXXX was no longer involved in the sale, the rep still insisted that it was an XXXX issue. ( The transaction details reveal that it is not an XXXX issue, and that Paypal is responsible ). To date, I have invested XXXX minutes into telephone conversation and 'hold time ' to resolve this matter. As of right now, I do not have my item ( because I sold it ), and I do not have my {$59.00} and Paypal still insists that it is not their issue, when I have proven to them, through the account/transaction details, that is in fact their issue and not XXXX 's. At this point, all I want is my money - I have even stopped selling on XXXX as a precautionary method to prevent this from happening again. The latest correspondence I had with PayPal was on Monday XX/XX/XXXX at at XXXX XXXX Eastern Time, and was told [ once again ] that there is nothing more that they can do for me - the Paypal reference number is XXXX, which will confirm the details of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: NJ

Complaint narrative:
Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay. 

I made a {$4000.00} payment last week to pay down my loan. 

I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason. 

I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation. 

They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
An account was opened under my name with XXXX XXXX issued by XXXX XXXX.. I am afraid I may be a victim of identity theft. I am not aware of this account at all and I tried to dispute these accounts but they came back as verified. They are still sending me statements and I don't know what to do. If something was ordered where was the merchandise sent? they claimed i bought two pair of sneakers. I got the statement again and it included a late fee this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: NJ

Complaint narrative:
We were supposed to close on house on XXXX XXXX XXXX NJ with XXXX XXXX Mortgage company on XX/XX/XXXX XXXX XXXX mortgage said loan was approved then before closing they said XXXX/ XXXX XXXX told us day before only that there is issue with appraisal We have sold our old home and boxed our house stuff and now they are not giving us the date or any final closing related information It appears that XXXX XXXX mortgage company is not well established and doesnt follow standard practices and they shouldnt be allowed to be in market We also know few people in community where they have issues with XXXX XXXX mortgage company Please call me if u need additional details XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX/ XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX ' XXXX Inquiry XX/XX/XXXX Unathorized Inquiries need removal asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have reached out to Nelnet on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised Nelnet that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a credit card account with Capital One. I took a cash advance from my credit card for {$36.00} on XX/XX/XXXX of last year. I've been making monthly payments since then but I just noticed on my statement that I was charged interest for a cash advance. I didn't realize there was still a cash advance balance on my account so I called in to get the fee waived only to find out that I've been charged more than {$500.00} in interest for the original transaction of {$36.00}. I've repaid the cash advance more than 10 times over during that period, as my account is in good standing. What I have a problem with is the fact that the interest accumulation is COMPLETELY HIDDEN! I read my account statements every month and there's never a mention of a cash advance balance. I spoke to a few different representatives and they confirmed that there's really no way for customers to see this activity ; it doesn't show up on the monthly statement and you can't view it on the app. I recall exactly one VISIBLE interest charge for this cash advance I took a year ago ( {$10.00} on XX/XX/XXXX ). They gave me some weak excuse about payment allocation, which, to speak frankly, comes off as a cheap ploy to get people to put money towards the lower interest rate while the significantly higher interest accrues in a separate account that we're never reminded of. If I had overlooked this interest charge and failed to call in to inquiry about this, I would've ended up paying thousands of dollars in interest on a growing balance that's not accessible to me. If interest is charged daily on cash advances as I found out not too long ago from a representative, then its absolutely repulsive that customers don't get access to the activity in these accounts in monthly statements or online. Here I was thinking I paid off my cash advance only to find out a year later that they've been charging me interest that they never report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
hsbc had offer to open a cking acct, they ask questions that did not relate to me, like loans from banks i dont deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: SC

Complaint narrative:
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: GA

Complaint narrative:
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: GA

Complaint narrative:
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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:
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they  stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
I was contacted on XX/XX/XXXX along with three family members from XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX regarding some claim. I contacted on XX/XX/XXXX and spoke with XXXX trying to obtain further information regarding said claim and to probe as to the continuous harassing calls family members have been receiving. When I attempted to probe about steps to validate debt and receiving documentation I was advised by XXXX I would have to reach out to the original debtor who will then forward me back to XXXX. 

I spoke with XXXX XXXX on XX/XX/XXXX and simply asked for validation of debt and requested for paper documentation regarding debt. XXXX became abusive in language and began accusing me for owing this debt, stated that information on my credit report reflects a great amount of judgements against me and that I don't pay my debt and that I was going to court and to jail regarding this matter. I attempted several times to request documentation regarding debt as this is the first time I have been made aware of any debt that was owed and not fully paid back. I was not able to receive any information regarding debt as XXXX XXXX attempts were to have me acknowledge debt. I have no clue who this person is and I didn't feel comfortable verifying anything over the phone without first understanding the origin of debt, amount owed and what debt was for. 

I have requested two times today during my phone calls to utilize the stop calling option regarding my family members being called repeatedly during the last two days. 

I was unable to receiving any information regarding the debt and was not provided with any resolve to obtain debt information to have resolved. I also explained that I was part of a fraud alert and as a result I will not verify payment over a phone if I have no idea whom I am speaking with. 

XXXX hung up and threatened to sue and press charges regarding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: CA

Complaint narrative:
in May of XXXX I mailed Transunion and XXXX XXXX dispute letters for negative information that is mixed into my XXXX XXXX XXXX because two accounts were illegally combined into XXXX and left as negative. At one point my account was purchased by XXXX XXXX and I am devastated to find the old account information form XXXX XXXX appearing on account XXXX XXXX XXXX Mortgage # XXXX. I have asked the bureau displaying this mixed information to delete the account all together because even though they have attempted to change and fix the reporting their attempts have not removed the old information that is damaging and was tagged on to my account. I don't m ind at all if it is deleted all together because the inaccuracies start on XX/XX/XXXX and end at XX/XX/XXXX. This was a government transferred loan due to fraudulent activity by XXXX XXXX and the transfer was supposed to fix this issue and help the delinquencies drop off. The account was deliberately sent to a negative status to allow that transfer. 

I pulled my XXXX and I have attached it here to show you how confusing and wrong the readings are. from XXXX it is showing as 120 late repeatedly and then for some reason in XX/XX/XXXX it is showing as 30 days late and then it is X until XX/XX/XXXX then thereafter it is OK. This is all wrong so please delete this account all together so I am done with this nightmare. This is not fair to me because this loan was transferred 3 times and XXXX XXXX is not able to modify anything claiming the account is closed and accurate but it is clear no one is following up. I have been transferred throughout 3 difference finance companies who have had their hands in this account and I am getting now where. 

I dont understand why Transunion has dubbed my last dispute a " Duplicate '' when they have not properly followed up with me and I am not sending any duplicates because I have written them asking why this account is negative when it is not. I has put an incorrect email before and I have no access to their response. 

Please assist me here. 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 2018-08-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
It is my understanding that you are the regulatory federal agency overseeing the XXXX credit bureau 's. In that role, why has Equifax been allowed to skip out on any responsibility for the data breach XXXX. XXXX??? I paid for a freeze through XXXX and I now contacted XXXX - they want to charge {$5.00} per freeze plus {$5.00} each time you lift the freeze, etc., etc ... ... ... ... ... ... ..this is all due to the vulnerable position we have been put in because of the carelessness of Equifax. My understanding was they were instituting a remedial action or some sort of 'tool ' FREE OF CHARGE to institute a freeze and lift it AT WILL that would work for all three agencies ... ... I find instead, they did nothing and I will have to pay another charge ... ... ... why? They caused the problem - they should pay for the solution - what has your agency put in place to take care of this problem that Equifax caused. We are shopping for a car ... ... entailing credit reports - what is your position? What has your agency enforced with Equifax to remedy this situation. Please let me know.

Company response to consumer: Closed with explanation