vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
my issue is with paypal credit. 1 ) I do not get updated of when my payment is due just an update of an amount higher than I owe because they have tacked on additional fees without notice. 2 ) they have changed their system and if I use my app there is only one payment option and it forces you to pay the whole amount. 3 ) when I call customer service the response is that they ca n't do anything about the mistake until its posted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Approximately mid XX/XX/2017, I spoke with a female employee with Navient concerning a possible loan transfer from my provider XXXX. I was given this provider by XXXX who stated I would be given a loan reduction and better terms. First, XXXX did not follow through on their promise. Secondly, after speaking to a Navient employee, I was told my payments would be much higher and a longer term ( than my current provider XXXX ). I firmly told her do not transfer ( cancel ). I also faxed a letter on XX/XX/2017 to cancel. Approximately several weeks-one month later, my loan was transferred to Navient. They ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase removed my autopay 14 months after I set it up then reported my account delinquent when payments were not made. I asked them to remove the late payments reported on my account and they insist on the marks being valid. This has caused me to spend hours attempting to fix the issue and also my credit score going from XXXX down to XXXX. This has a tremendous impact on my business as we rely on credit to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I am filing this complaint against Trans Union credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the 5 accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bankruptcy listed on my credit reports. The bankruptcy was dismissed due to improper management by XXXX. The case did not go to confirmation trial.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following addresses have been disputed online and verbally. I have told them that these addresses are incorrect : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed for chapter XXXX XX/XX/XXXX. I made an agreement with my creditors to pay 100 % of my debts. In exchange once all debts have been paid my Chapter XXXX will be " dismissed. '' I paid all of my debts 100 %! I contacted TransUnion to remove from credit report. I faxed TransUnion dismissal papers from United States Bankruptcy Courts proving my case. TransUnion still states bankruptcy is verified. I contacted U.S Bankruptcy court and the U.S Bankruptcy Courts stated TransUnion did not request my court docket file. Under the FCRA, once filed the case is a matter of public record and appears on my credit history. The public record listing for a dismissed ( completed or paid ) Chapter XXXX bankruptcy remains for 7 from the filing date! I am attaching all proof to validate my complaint! I also have an active loan with XXXX. I refinanced my vehicle in XXXX XXXX, mt next scheduled payment was to be in XXXX XXXX, XXXX XXXX mishandled the paperwork and rescheduled payment for XXXX XXXX, XXXX XXXX reorganized the loan so two months ( XXXX XXXX, XXXX XXXX ) was put at the end of the loan. I disputed with TransUnion and they still have me 30 days late in XXXX XXXX. I called XXXX and they stated they updated with XXXX. XXXX stated contact TransUnion, we did our part. My chapter XXXX should be off my credit report, XXXX should be never late! Transunion is very bias and is created to hurt the consumer and not be honest.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
This has been updated with the other bureaus please update on my Experian report. This balance has been paid and I am no longer accountable for this charge off please remove.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed 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 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, XXXX 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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: TX

Complaint narrative:
Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am 11 days late making a payment and they call me up to 10 times a day, some times more

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 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had wells fargo bank for a short period of time, I closed out my account well I thought I closed out my account but turns out they did not close it and I kept getting charged fees of over draft. I had called many times and was told I owed the money and that it was closed. it only got closed after the fees were added. I now can not get a bank account because of their doings.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I mailed a debt validation letter to Calvery Port for a XXXX Credit Card. However, I have not received a response in way over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I called Chase bank which is where part of where I have part of my payroll check is deposited because they closed my acct without notifying me my disclosures do NOT state that no notification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My current lender Quicken Loans is consistently calling me or emailing me with " money saving '' opportunities. In the beginning of XX/XX/XXXX a rep named XXXX called me and we briefly discussed these " potential '' savings. At no time was a verbal authorization given to run a credit inquiry for me. XXXX stated he was going to talk to his team leader to see what options we would have for me being that I am such a " great '' customer. I was then alerted that my credit report was ran for a hard hit. I then emailed XXXX stating that I did not authorize this inquiry. XXXX then apologized for doing so and I asked to speak to a manger. The manager named XXXX ( last name unknown ) stated that he listens to the calls and stated there was " permissible '' authority granted which was not the case. Quicken loans misleads their clients stating that they can save you money only to find out they can not and " you are in the best position right now ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: IL

Complaint narrative:
I do not owe Jefferson capital I never made any arrangements with this 3rd party and needs to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.

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 2017-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.

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