vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is listing loans not taken out with them, showing incorrect balances. All loans were with Sallie Mae, which split to Navient in 2014 ; however both Sallie Mae and Navient list the same loans, therefore each loan listed twice on credit report, once as Sallie Mae and once as Navient. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. Navient updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. Navient is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Credit Services fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED chase is reporting the account negatively even-though the payments are being made on time. 
Chase failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applied for XXXX XXXX Consumer Credit Card on XX/XX/XXXX. Instead of my application being submitted to XXXX for review, it was submitted in error to XXXX XXXX XXXX without my consent. Attempted to resolve this issue with an Experian representative on XX/XX/XXXX @ XXXX XXXX CST. Was informed by agent that he would not be able to resolve my complain or issue. Was rudely hung up on, while I requested his name and ID number.

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 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.

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 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On or around XXXX of XX/XX/2019 I started receiving overdraft fees from automatic payments that would not cancel from the company. When I contacted Wells Fargo they refused to refund my over draft fees, they refused to close my account and refused to try and stop any unauthorized charges coming through my account. This went on for several months resulting in over {$1000.00} in overdraft fees and leaving me unable to recover my account. Eventually Wells Fargo closed my account only after they were able to allow many overdraft fees to accumulate in their favor. Now I am unable to login into my account to recover any financial documents for taxes and proof of the fraud they are committing.

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 2019-04-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This form only allowed me to mention one problem but I have had two with Experian : By way of background, I have a long and positive credit history. 
1. I received a letter from Experian that a creditor had reported a change to my name, address or SSN. I obtained my credit report and found address and employer errors. I sent in the corrections along with a copy of their letter and my personal information. 
I received a reply that said they were unable to locate credit information about me because I either didn't provide sufficient ID info or I haven't established a credit history. How does this make sense? 
2. I bought a XXXX membership that included a bonus if I got a XXXX credit card. XXXX said I needed to unfreeze my Experian account. I called Experian, followed the prompts for a temporary freeze lifting, and provided the correct PIN and identifying information to the recorded voice. I was then told by the recording that I needed to write to Experian with a list of documentation to get the freeze lifted. Why put me through the paces on the call? Why jump through so many hoops for a 48 hour unfreeze? I gave up on the XXXX card, bad for me and bad for business.

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 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I ordered a dress using my TD Bank Debit Card from company online company @ XXXX from their website XXXX on XX/XX/XXXX and paid XXXX. Throughout the course of the next 3 months the company gave numerous excuses via email as to why delivery of my dress was delayed ( I have all emails printed ). 

Finally I asked to cancel my order and for the money to be refunded to the card I used when the order was placed. I never received a refund. When I emailed the company again to ask about my refund I had been blocked. 

On XX/XX/XXXX after being unable to email the company I filed a dispute with through TD Bank. 

On XX/XX/XXXX I sent all necessary information including the emails where the merchant acknowledges they never sent my dress and promised me a refund for my unfulfilled order. I was given a provisional credit and told a thorough investigation would ensue. 

Three months later on XX/XX/XXXX TD Bank denied my dispute and reversed the provisional credit causing overdraft fees. I called that weekend as was told a new claim for the same dispute would be opened and to to call back on Monday to find out why initial claim was closed. I resent supporting documents on this day. 

On XX/XX/XXXX, at approximately XXXX XXXX I called TD Bank to ask why my dispute was closed. I was transferred to a supervisor named " XXXX '' who first told me my dispute was closed due to not receiving supporting documents. Supervisor XXXX later changed the reason the dispute was closed to because the original transaction date of the charge took place more than 60 days ago. Supervisor  XXXX was curt and short with inconsistent explanations. Supervisor XXXX stated she can not reverse the provisional credit and refused to waive the overdraft fees caused as a result. I told supervisor XXXX I felt this was unfair and that TD Bank is being negligent by refusing to investigate this matter and adding further hardships by charging me fees. 

On XX/XX/XXXX, I entered a TD Bank branch location XXXX XXXX XXXX XXXX, XXXX, FL XXXX and spoke with a branch manager who agreed to waive the over draft fees. The branch manger was unable to provide a provisional credit or provide any insight on the ongoing dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is listing loans not taken out with them, showing incorrect balances. All loans were with XXXX XXXX, which split to XXXX in 2014 ; however both XXXX XXXX and XXXX list the same loans, therefore each loan listed twice on credit report, once as XXXX XXXX and once as XXXX. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. XXXX updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. XXXX is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.

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 2019-04-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen currently services a reverse mortgage my grandmother had. When she passed obviously her estate went through probate. unfortunately, Ocwen didn't understand this and kept saying they didn't care, the mortgage was due, even when I explained that I had no control over the courts. Finally I spoke to a supervisor who said that if I contacted them every so often to give them updates they wouldn't need to start foreclosure and they would wait for probate to finish. now, just a few months later they are saying the matter has been sent to foreclose, despite the cat that probate is still ongoing. I'm not sure what they expect and I don't believe I'm being treated fairly nor do I believe they are compliant with federal or state lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
One day I had a credit score with Equifax and the next day it was gone and they had no score or record of me. I had a XXXX credit score and went to apply for a car loan. They tried to access my credit score with Equifax and said it didn't exist. I spent hours on the phone with Equifax over the course of four days, sent them a copy of my social security card and drivers license to prove my identity and still got nowhere. There answer was to try to start over and establish credit by going to department stores and getting credit cards. I already have credit cards and a good credit history. The call centers for Equifax are in XXXX and they just bounce you around from one department to the next without any help. I can not get a car that is needed for work because I no longer have a credit history. I worked hard to establish a good credit history by paying bills on time with the hopes of using this credit to purchase a car and a home at some point. With the click of mouse somewhere at Equifax my credit history disappeared with any help or hope to get it back. One company should not have such power over the everyday lives of hardworking citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received a notice from Chase Bank that they are increasing my mortgage payment by {$100.00} per month due to an escrow analysis they did. They said they require a " cushion '' amount. I did not apply for the mortgage through Chase at Closing. My mortgage was sold to them. There was no required " cushion '' with the original lender. I am a XXXX senior citizen on a fixed income and I can not afford the {$100.00} per month increase. Now I fear I will lose my house. I thought the increase was a result of removing my car from XXXX XXXX who also holds my homeowners policy so I put my car back with XXXX XXXX and sent the refund to Chase Bank for the escrow account but Chase is now saying the {$800.00} payment did not decrease the monthly mortgage payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: MD

Complaint narrative:
When I purchased my car I called VW to ask them if for some reason I had to move or leave the country due to work/school, if I would be able to transfer my loan to someone else fully. I was told over the phone that it was not a problem at all. Now I am being told that I would still be listed as the co-owner and responsible. There are too many people giving me different answers and now I may be stuck with a car that I bought based on different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GreenSky, LLC
State: TX

Complaint narrative:
On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NY

Complaint narrative:
The company has a rep by the name of XXXX who is calling my main company line harassing and leaving messages for me. The company has my email and cell phone number. The company no this rep has no right to contact me or my co workers at my job it is embarrassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: PA

Complaint narrative:
To whom it may concern, on XX/XX/XXXX I sent an email to the Executives Office of Discover regarding a late payment they are reporting on my credit report. In this email I explained in great detail that in XX/XX/XXXX I was hospitalized and diagnosed with XXXX   XXXX XXXX XXXX of both XXXX. I was XXXX  over two dozen times the previous month before being diagnosed. I was out of work and on heavy XXXX medication. I was not sure if I would survive. I requested that Discover look into the late payment because I thought I had paid the bill but could not be sure due to the circumstances. I requested that discover consider extending a goodwill offer for this one payment. On Tuesday XX/XX/XXXX I received a letter stating they could not reverse the late payment report. Because of the short time between the time I sent the email and the time I received a response, I couldn't help but believe that my account had not even been looked into nor my circumstances be taken into consideration. On XX/XX/XXXX, I sent another email to the CEO and received an additional letter by mail on XX/XX/XXXX, stating they already responded to my request. On XX/XX/XXXX I followed up with an email again further explaining that I am in the process of purchasing an house and that the payment in XX/XX/XXXX was beyond my control giving my medical condition. I am Anyone who has ever been affected by XXXX or has a family member affected by it, knows that it is a life or death situation. I received an email back from XXXX on Monday XX/XX/XXXX which was an automated response/copy and paste of the generic letter I received in the mail. My problem is that Discover 's mission statement states they " Our mission is to help people spend smarter, manage debt better, and save more to achieve a brighter financial future. '' If this is the case then penalizing a member for enduring a life or situation that was beyond her control hardly is in line with the mission. Requesting that this late payment be redacted is not outside of their scope of capabilities as I explained to XXXX as my elderly mother who has been a card holder for over a decade underwent XXXX XXXX and was XXXX for months and missed several payments and she requested a goodwill and it was granted. She was also offered an increase on her credit limit to XXXX despite her telling them she was on a fixed income and very sickly. This is unfair and discriminatory practices by Discover with no concern for the credit worthiness of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I have a debt collection for an account that I do not recognize. I have never applied for loans with this company mentioned in the remarks. The information being reported is completely inaccurate. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CL Holdings LLC
State: MI

Complaint narrative:
Upon review of my XXXX and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX Account XXXX XX/XX/2019 It showing a 30 late payment for XXXX. I was never late

Company response to consumer: Closed with explanation