vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
From Januart of XX/XX/XXXXuntil XX/XX/XXXX XXXX XXXX XXXX XXXX reported my account as late when I was trying to catch up on payments. 

I attempted on many occasions to complete there mortgage adjustment process and apply for government assistance process and was consistently met with artificial obsticles and unhelpful support staff at Ocwen. They were never able to successfully qualify my account for assistance because of all of the red tape and obstacles created by their process. Additionally, in 49 states they have reached a settlement because of this abuse of customers. 

I have contacted Ocwen multiple times both in writing and by phone and inly get an automated response. I believe given their universally observed negligient behavior these late payment marks should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: MS

Complaint narrative:
After dealing with an XXXX  in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I used Western Union to transfer money to a consultant in XXXX on XX/XX/XXXX using a bank account which indicated that the funds would be available on XX/XX/XXXX. 
On XX/XX/XXXX the receiver was not able to pick up the funds and when I called WU they informed me that there was a technical issue at their end and they will resolve this within 24 hours. On the online account it was still showing " In progress '' on Monday XX/XX/XXXX. I called WU at XXXX XXXX EST and was on the phone for an hour, the agent suggested I do a debit card transaction and that she would give me a promo code so I would not pay more than the bank account transfer fees. When I attempted to complete the transaction, the fees were reduced 50 % and this would make me pay {$56.00} ( {$25.00} more than the bank account fees ). I called WU again and explained the situation from the beginning. The agent seemed willing to help, after a long wait for her supervisor she managed to tell me that she could waive the whole transaction fees and that in order for that to happen I would have to go to a specific WU agent " XXXX XXXX '' to make the payment and gave me a temporary tracking number. Although there are numerous WU agents closer I had to drive 14 miles to this specific location. When I gave them the number, it wasn't on their system. They called the manager who was extremely helpful and asked me to call WU, after explaining the situation for the third time to WU, they gave me a phone number " agent assistance line '' and requested that the XXXX XXXX manager call them. He called them and then they requested to speak to me which they did and at the end the agent said she had resolved the issue and that WU customer service will call the " XXXX XXXX '' manager to direct him on how to complete the transaction. WU called the " XXXX XXXX '' manager and informed him there is no way to waive the transaction fees. It was XXXX XXXX ETS and the issue had not been resolved. I had to complete the transaction online and pay the full fees for the transaction and wait another 5 days for it to process. 
This is the temporary transaction number I was given to use at the " XXXX XXXX '' agent : XXXX. The original transaction number is attached in the documents below, as a screenshot of the transaction that was cancelled by WU in order to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.

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 2018-04-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit cards. Among these was a credit card with Wells Fargo, while the application was declined and no account was established the process left a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. A formal dispute of this information was sent to Wells Fargo and received via certified mail with return receipt XX/XX/XXXX. As of this date Wells Fargo has failed to reply to the outcome of the re-investigation and removal of that fraudulent data from the credit report which is a violation of the FCRA and my clients consumer rights.

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 2018-04-02 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: IN

Complaint narrative:
I have been making payments on my student loans through Navient since XX/XX/XXXX. They informed me that since I was making payments that my taxes would not be withheld in XX/XX/XXXX. Not only is my total not going down, my taxes were withheld yet again this year, over {$2000.00}, in XX/XX/XXXX, which is what they had withheld from me last year, in XX/XX/XXXX. They are also calling my entire family trying to get money and information out of them. They are lying and not doing anything they have informed me of, taking my money and not applying my payments to get me out of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
I had a government loan for school ( several ) one of which they were trying to collect for a school that I did not attend and they did not have a signed promissory note for. I consolidated my loans in XX/XX/2016 and they were paid by XXXX. then they decided to take the loan out of consolidation and send it to collections. The federal student loan informed me via phone that they are aware of their mistake and that they would fix it as soon as possible. they even sent me a letter that states that i was not in default and that i did not owe them money. This was also needed as i was purchasing a home and would have an FHA loan. they corrected it. Only then to reverse it and put it back to collections again and then they also proceeded to garnish my wages ( to date in the amount of {$4000.00} ) and still reported to the credit bureau that I was in default. XXXX confirmed that they have already paid that debt. the federal student loan also refunded me 2 checks of refund that they have garnished from me ( the first 2 payments ). They keep telling me that they are " sorry for the inconvenience '' but as of today if they don't correct this issue my Home loan company is threatening to reverse the loan as it is a government loan and they do not approve people who are in default on another government loan. I NEED HELP TO FIX THIS ISSUE STAT. this has been months and months of a nightmare. also when i asked for the promissory note for the school that I did not attend they mailed me a copy with my name typed in the signature box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
I have four XXXX grants, each for part of my XXXX programs. I have fulfilled obligations to them, but they were converted to loans at the height of my divorce on XX/XX/XXXX. 
I have always been in this XXXX position, before I took the XXXX   grants, and remain in this XXXX  position, which fulfills all obligations. 
I had recertified every year that was required of me, and never had any change in employment, or employment position or meeting obligations. I had always communicated with the servicers. 
In XX/XX/XXXX I was completely blindsided with a divorce from my spouse. I had no idea it was coming after 13 years of marriage. It was a devastating blow to me and I still today, am recovering from the trauma it caused. I could hardly keep my head up at that time. I was already working a fulltime job as a XXXX in a low income ( XXXX ) and XXXX building where more than half of our population are English Language Learners and/or students living in poverty. I love this job and I wouldnt change anything about it. 
Besides working as a fulltime XXXX, I am also a mother. And as of XX/XX/XXXX, I became a single mother. 
So, with all of that, I communicated to the servicers what happened and that I was still meeting obligation to my grants. They did not care that I was in crisis. I was in a position where I was in a survival state and I was barely making it. And they landed that right on top of me at the height of it they said you now owe {$10000.00} more dollars plus interest. And my job, which fulfills obligations, had never changed. They had paperwork on file that showed my employment. They didnt care. 
I suffered more trauma because of what they did to me. 

XXXX  grants : XX/XX/XXXX-XX/XX/XXXX {$2000.00} XX/XX/XXXX-XX/XX/XXXX{$2000.00} XX/XX/XXXX-XX/XX/XXXX{$1000.00} XX/XX/XXXX-XX/XX/XXXX {$2000.00} Today my total that I owe is {$9700.00} -from a XXXX XXXX for 25 lovely XXXX  in an XXXX and XXXX XXXX building.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )

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 2018-04-02 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: ProCollect, Inc.
State: NC

Complaint narrative:
Account is admitted to being paid in full by collection agency but remains on all 3 of my credit reports.

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 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: DC

Complaint narrative:
American Education Services ( AES ) was the original " gate '' loan provider in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was provided no option to decrease the payments due monthly so they sent the full loan to a debt collection agency without notifying me of what agency, so that I can start making payments. Instead in XX/XX/XXXX, I began receiving countless harassing calls from XXXX XXXX XXXX. 

I could only presume that this was the group that took over the collection of my payments, and so in turn emailed and called XXXX XXXX XXXX requesting to make payments via their online portal. Without this as proof of payment, I was making payments over the phone without any follow-up proof of payment provided. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX 's XXXX XXXX, stating that my account with them was in fact closed, and returned to AES. This same letter indicated that any mark on my credit score should be deleted from my credit report as I was unable to reach there company to make a payment. 

Since in receipt of this letter in XX/XX/XXXX, I have attempted to make repayments via AES, as indicated in the letter. However, I was not able to do so according to AES representatives and I was provided with no additional information. 

In the past 2 months, I have begun to get new robo-calls from 3 new groups, stating they are now the collectors of my payments of the original gate loans from AES. Those companies are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Again, I was never told this by AES, nor was I in receipt of any notice that my collection is now with these companies. I called AES today, XX/XX/XXXX, to get clarity and check on why my credit report indicates there is still an issue of delinquency. 

The employee noted that since XX/XX/XXXX, my loan was now in collection by XXXX XXXX XXXX  ( XXXX ). When I called this number on XX/XX/XXXX, it goes directly to voicemail to a company called XXXX XXXX XXXX XXXX. Online, this company is listed as yet another name -- XXXX XXXX XXXX. 

My complaint is against AES specifically for their mishandling of my gate loans, filing a severally damaging credit report, and the companies AES sends loans to for collection. 

To date, I have no clear indication of the company to which I should be making payments and no statement on the history of the loans -- including payments made over the phone to the original debt collection agency, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now

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 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. 
I being calling the XXXX option 4 which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax on-line, via phone and submitted a written complaint on a state of Kansas released and satisfied tax lien. most current case number is # XXXX dated XX/XX/2018. 
The lien has been satisfied, released and only Equifax continues to show the lien on my credit file. Both Transunion and Experian have removed all information related to the Kansas tax lien. 
I have contacted the state of Kansas - tax compliance department. They shared that Equifax is obtaining the information from XXXX and it is Equifax 's choice to use Lexis vs. the document they have provided showing satisfaction and release. 
The state of KS is stating it's satisfied and has released the lien and Equifax chooses to use a third party vendor and continue reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I contacted this company to supply my Medicaid information to have this account rebilled. I have given the insurance information several times to the original creditor to bill. I have contacted my Medicaid representative who states per federal law this debt is not owed and the claim has been processed. I contacted the company to try and resolve off my credit and I was told there is nothing they could do. I am not responsible to pay this debt and it needs to be removed as it is causing me a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation