vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have called twice within the last week to obtain information about my eligibility for and options regarding repayment plans, due to a change in circumstances. Navient the loan services has refused me information and has attempted to tell me that they can not discuss what options I have available to me until I have an outstanding payment or negative balance on my account. I have asked to be informed of my choices and options and let them know my circumstances will be changing. They are hostile and uncooperative. They are unwilling to discuss my options and are telling me that until I have a statement that shows a payment needs to be made or I am late on payments they can not discuss my options. I have previously had issues with this servicer and I know that when your account is past due they are unwilling to work with you as well. It appears they are attempting to stall in order for me to be late and the company to capitalize on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CORELOGIC INC
State: CT

Complaint narrative:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
We are working with the Oregon Foreclosure Avoidance ( OFA ) program and paid a small fee for that. We have no problem with them or the program, but we do with Mr. Cooper. 

We sent in the application for modification within that program on XX/XX/XXXX. The bank did not ask for any additional documents. We went to a Resolution Conference on XX/XX/XXXX. The bank representative stated that they had not considered the new application because they had just denied us for a modification in XXXX of XXXX. They said they did not look at the new application we sent in, in XXXX. We would like to complain that they did not follow guidelines and give us a determination based on the application sent to them on XXXX XX/XX/XXXX. I can get written statements from the housing counselor and the moderator of the Resolution Conference. 

Related to this, is that in the denial letter from XXXX, they stated that the application was denied because it didn't meet one or more of a list of reasons but didn't specify. During the meeting they said it was because the loan was originated after XX/XX/XXXX and that that was an FHA rule. I looked at FHA rules online and saw no such restriction. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
New Complaint! I filled a prior Complaint against Discover and this issue has arisen since then.

Firstly, in my agreement with Discover, any disputes are supposed to go to arbitration, which I requested and Discover has not done.

Next, I got a letter from Discover telling me if I made the minimum monthly payment timely, 3 months in a row. which I did they would consider my account current which they have not.

Next, although Discover told me differently, my written agreement with Discover specifically provides if I am not satisfied with a purchase made with my card, Discover will protect me! 
I didn't know when I filled the previous Complaint, but the Company where the purchase was made, XXXX XXXX, in an administrative proceeding with the State of Michigan Secretary of State, arising out of this purchase committed fraud when they told the State I received documents required by State law on XX/XX/2018, when factually in violation of State law I didn't receive the required documents for almost a month after that date, a violation of State law, and evidence why the sale was fraudulent. 
Therefore, under my agreement with Discover, I am disatisfied with purchase I now have evidence was fraudulent and under my agreement with Discover I am unhappy with fraudulent purchase I made with my Discover Card, which Discover should reimburse me for under my written agreement with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since late XX/XX/XXXX I have been in an overdraft cycle with Wells Fargo. I have called several times explaining I am in a bad cycle and they are making it worse and sustained by levying O/D fees. The issue has been escalated and the bank is not helpful. The executive department has not returned promised calls. 

The ordering of transactions, deposits, and w/d has been advantageous to the bank. Many of the deposits I made to keep my bank balance positive have been eaten up by overdraft fees. These fees have kept me from functioning, have preventing me from eating sometimes, and have caused complications in getting to and from work. 

I am tired of making deposits to go to fees. I would like these fees refunded they have been excessive.

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 2019-05-21 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Paypal issued unauthorized hard inquiries on my credit on XX/XX/XXXX. In XX/XX/XXXX, I first found this out when I contacted all three credit bureaus to see what hard inquiries I had on my account. These Credit Bureaus instructed me to contact Paypal and in XXXX I contacted Paypal. Paypal said that they would send a letter to all three credit bureaus to have the hard inquiries removed and they also sent me a physical letter saying that these unauthorized and fraudulent hard inquiries would be removed within 90 days. It is now XXXX and I still have these unauthorized hard inquiries on my credit for all three Credit Bureaus. I have contacted PayPal but they still haven't acted. My personal life has been affected and because of their fraudulent and unauthorized hard inquiries. I have to pay more for everything like financing my car and so many other areas of my life are affected. There due to Paypal 's inactivity, It is my belief that PayPal is actively trying to bring me down because I am a person of XXXX and I think the government should look into possible XXXX bias since my problems still haven't been addressed even though Paypal said that they would address it.

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 2019-05-21 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: IL

Complaint narrative:
Equifax, XXXX, XXXX, XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX  XXXX {$610.00}  XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX inquiry XXXXXX/XX/XXXX-XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX XXXX -XXXX   XXXXXX/XX/XXXX I sent police reports and they still will not remove victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I purchased my home in XXXX of XXXX. I have never made a late payment. In XXXX, my escrow was determined based on my taxes being 6 % as a non-owner occupied. In XXXX of XXXX, a check was mailed from my escrow for my taxes in the amount of {$3700.00}. My taxes were only {$1100.00} because I am only required to pay at a 4 % rate as I do occupy the residence. I sent an email to XXXX XXXX on XX/XX/XXXX regarding the tax issue. XXXX XXXX still has my rate at 6 % and have increased my payment from {$1200.00} to {$1700.00} per month. I have been in contact with XXXX XXXX since XX/XX/XXXX and I am still trying to resolve this issue. I never speak with the same person and they always tell be " it's with the legal team in the escrow department and someone will call you in 2-3 business days ''. They never call back and it's XXXX and still unresolved. The new determined payment amount of {$1700.00} began in XX/XX/XXXX. I spoke with them and they told me to make my normal payment until this was resolved and i did that for XXXX and XXXX. They said they would waive all late fees and stop any credit reporting. they are holding my payments for the past two months in a reserve and not applying them to my account and I am now getting foreclosure notices. They have reported my mortgage to my credit file negatively affecting my credit. I don't know what to do as it's been 5 months of me trying to resolve this. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: NY

Complaint narrative:
VFN  and associates has been calling my place of employment regarding my debt I work at a funeral home which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Reserved Credit Card through Chase Bank and my Chase Ultimate Rewards points were stolen from me. 

On XX/XX/2019, there was an unauthorized withdrawal of ~90,000 Chase Ultimate Rewards points from my account that was transferred over to an unknown XXXX XXXX account based out of New York that did not belong to me. I opened a fraud claim in early XXXX with Chase and they've investigated into this issue. 

Chase was able to identify that the fraudulent transaction had occurred over the phone. The fraudulent party was able to spoof my phone number and bypass through Chase 's identity verification process to perform a manual withdrawal of my reward points and have them converted to cash and deposited into the XXXX savings account mentioned above. Although Chase had agreed that this is a fraudulent transaction, there has been an internal decision to ignore the claim. They are unwilling to resolve the dispute and return my points. 

I was then told that there was an internal review my account and an internal decision has been made for Chase to end their relationship with me as of XX/XX/2019 and because of that, this fraud claim will not be resolved. Chase is unwilling to take responsibility and help resolve a fraudulent transaction that took place prior to this decision to end the relationship. I've been a client of Chase for over 14 years - I have no issues with the company 's decision to end their relationship with me ; however, I should be entitled to the rewards points back that I've earned through the program that were fraudulently taken from me. 

I've spoken to several personal bankers, Private Client bankers and even a branch manager about my case ( XXXX XXXX and XXXX XXXX branches ). They've been assisting me with escalating this situation ; however, Chase corporate will not take responsibility to resolve the claim. 

My identity has been clearly compromised and Chase has failed to protect its consumers from fraud. I'm very disappointed in the decision and am looking to escalate this further to bring light to this matter and protect other consumers that may have gone through this similar event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KY

Complaint narrative:
XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
XXXX and XXXX has been calling my place of employment regarding my debt I work at a XXXX XXXX which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I was trying to purchase concert tickets and was scammed on XXXX by someone that said they would send me the concert tickets after I sent them half of the money ( {$45.00} ) as a safety measure. Once I sent them the money, they blocked me completely and I was unable to communicate with them further. The money transfer was initiated through XXXX which is a service my bank Wells Fargo offers. I have tried to contact my bank as well as XXXX and they stated to me that they filed a claim and I would hear something back within 5-7 days. This was on XXXX the XXXX. It is now XX/XX/XXXX and I tried contacting Wells Fargo with a claim number that I received and had to speak with 8 different departments before I was told nothing further could be done and they did not know what department I needed to speak to. The claim number that was given to me was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. 



I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. 



The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 



Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. 



Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected.

Company response to consumer: Closed with explanation