vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from Western Union regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. XXXX XXXX XXXX XXXX confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. Western Union claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. Western Union stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer that was never authorized. I have disputed this with the bank and Western Union. Western Union complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always state to call later. Several case # s assigned. Bank and Western Union refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I feel I was pressured into signing a refinanced mortgage that did not meet the needs and has turned out to be a bad business deal for me and my family. 

Applied for a refinance with US Bank. Process went smooth. Had contacts from online and from a local branch. Main consultant was all done through email. Long story short, I was tricked into a mortgage that had my interested rate raised by almost 2 full points ( 3.75 to 5.01 % ), US Bank claims I declined to setup an equity account yet I specifically asked the branch contact when signing if the payment included taxes and Insurance. She replied, Yes, it does. Come to find out no equity account was setup. Now US Bank wants to fund {$1400.00} out of pocket and raise my payments close to XXXX a month. I would have never signed if this was the case. 

I was never offered to setup an account, and all documentation I have says the estimated payment includes taxes and insurance. US Bank deceived me into a deal that benefited US Bank and not me as the consumer.

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 2018-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I co-signed for one $ XXXX total education loan thru Sallie Mae / Navient. After signing for one loan the company issued two loans, one for $ XXXX and a second for $ XXXX, under two different loan numbers totalling $ XXXX. The primary borrower has since made over $ XXXX in combined principal reduction payments which should have relieved me from the original co-signer responsibility. However since they issued two separate accounts, they billed and credited the second account enough to close it first, leaving the me as the original co-signer holding the bag on the extra un-disclosed amount. I have made several calls to Navient filing complaints about the second loan amount and the double accounting problem. They refuse to acknowledge any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/2018, I filed for a modification of my mortgage with Wells Fargo. On XX/XX/2018, the company I was working with received an email stating that the the said home in question had been sold, and in turn denied the modification. I then called the mortgage company to ask why they reported that the home had been sold. They stated that they had not said that to the company I was working with and had given them ( the mortgage company, Wells Fargo ) the right to speak with. They also said that they had the signed permission to speak with the company that was representing and filing my modification, from me, but had not spoken with or had any communication with anyone. 
This was not true, I have an email that was sent to the company representing me from the mortgage company ( Wells Fargo ) .The email states that the modification was denied because property has previously been sold. 
The mortgage company also knew of my being in bankruptcy, as I and my attorney had informed them, and they knew that the property in question was not sold.

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 2018-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached Bank of America documents. In XX/XX/2015, XXXX XXXX attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX XXXX counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including Bank of America, NA, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition XXXX demanded I give alternate property to the sheriff and therefore I was Denied. At that point, XXXX was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said XXXX 's XXXX " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from Bank of America and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
I have disputed the late payments on this US DEPT OF ED/XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ),  a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien #  XXXX 3. Lien # 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 2018-10-12 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: GA

Complaint narrative:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with Experian via mail regarding account name : XXXX XXXX XXXX XXXX, account # XXXX ( see attachment. ) I received the dispute results dated XX/XX/XXXX ( see attachment. ) Upon review of the dispute results, there is a major inaccuracy. The date of 1st delinquency is incorrect. Upon pulling a previous Experian file from XX/XX/XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 14 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Experian has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Experian credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Experian 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 2018-10-12 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: GA

Complaint narrative:
XXXX XXXX XXXX  has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

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 2018-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... XXXX add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has not been forthcoming with the best repayment plan options for myself and my consolidation options when I have reached out to them via chat or via telephone several times since I went into repayment in XXXX. Navient has mislead me into >5 years of making higher monthly payments and having higher interest on my loans by their misguidance of my repayment options and withholding information about possibility of federal consolidation. Per current lawsuits Navient is facing, these actions seems to have been intentional misguidance by Navient per upper management to their face to face client support. Navient never once discussed with me that federal loan consolidation may be the best option for my repayment plan. I did not know this was an option until I met with a student loan agent XX/XX/XXXX. Further, I am also skeptical at how they are calculating my monthly payment amount as it is significantly different in percentage of AGI above the poverty line from my wife 's monthly payment of federal loans which is serviced by XXXX. ( Both my wife and myself are on PAYE program and file taxes 'married filed jointly ' ). I will have to do further independent research to verify how they are possibly miscalculating my monthly payment. It appears Navient has had a corporate structure to misguide students on repayment options that are in the best financial interests of Navient and not of the students and thus breaching their obligations for which the US Government contracted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My previous complaint with Portfolio Recovery Associates, LLC, complaint # XXXX is still showing up on my credit report as a NEGATIVE account. One has been corrected, but there are still accounts from this complaint that have not been corrected. This is reflecting negatively on my credit report.

Company response to consumer: Closed with non-monetary relief