vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX-XXXX. 

Navient did not resolve the issue and gave a vague response dismissing my concerns and the erroneous information they are reporting to the credit bureaus. As I previously stated, I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. 

Navient is claiming that the negative reporting stems from a payment that was missed on XX/XX/XXXX when it was rejected by my bank and that I have been continuously one month behind since this missed payment. Navient further explains that when I missed my XXXX and XX/XX/XXXX payments it caused my accounts to exceed 60 days past due, which is when the negative reporting occurred. THIS IS FALSE. 

I did not miss any XX/XX/XXXX payment. I made two payments in XX/XX/XXXX. This first payment was a forbearance payment on XX/XX/XXXX in the amount of {$100.00} and the second payment on XX/XX/XXXX in the amount of {$110.00}. So, the claim that I missed a XXXX payment is clearly incorrect. Navient still has not provided any concrete evidence of my account being 60-days past due and continues to make fallacious claims in an attempt to justify their erroneous credit reporting. 

In their response to my original complaint, Navient stated that they will update my credit report to reflect my disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Further Navient DOES NOT have my permission to place any narratives on my reports. 

Navient needs to validate their claims that I missed my XX/XX/XXXX payments as well as provide the EXACT number of days that my account was past due which caused the negative reporting. My credit reports state that I was 60 days past due and Navient has yet to disclose the EXACT number of days my account was past due and does not acknowledge my two ( 2 ) XX/XX/XXXX payments. Along with my other requests, I demand to know the exact number of days my account was past due which caused the negative reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: OH

Complaint narrative:
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 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: NY

Complaint narrative:
I had a XXXX XXXX XXXX account which was closed a long time ago as per my request and the bank reported it differently. After providing documents to Experian, they still reported it the wrong way as closed by credit grantor. When I finally reported it to the CFPB Experian did change the info. However, after a while, they changed it back. When I questioned them on it and asked them to use the same letter which was last time used to rectify it. They refused to correct and started a completely new investigation although this letter was already previously used to correct the matter. 


Here you see the same complaint and their false response XXXX-XXXX Submitted to the CFPB on XX/XX/2017

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Never dealt with Wells Fargo ever. My situation is I was dealing with XXXX XXXX  in XX/XX/XXXX. & XX/XX/2018. I applied with this bank for a credit card so that later I could ask for a balance transfer upon approval. This is the banking style and credit card services that I have been accustomed to. Apparently, this bank has a whole other realm of procedures that they follow. I went in unaware and unprotected not knowing this. The methods they employ seem to set you up for errors. On the online application is an option for a Balance Transfer. I chose it, since I do not lie regarding my banking goals. I filled in the info for this transfer, only as a precursor of things to come as a request. I did all this based on what I did expect from a bank, not on what they would bind me to and impose upon me. All the while I wasn't feeling well. One thing led to another from thereon, as will be seen in my attached documents. When one does not feel well, the fine print doesn't seem important as some Terms & Conditions and options to cancel out, are discovered only after the fact of hitting the application " Submit '' button. From my correspondence to Wells Fargo, I do not believe they will yield in any way, nor in a compassionate stance. So, I implore this Bureau to do your best for me in regards to contacting them on my behalf, or other helps.

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 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I called on XX/XX/XXXX as I had a question on my mortgage. When verify my identity they asked for my mailing address I gave XXXX XXXX XXXX XXXX XXXX, MN. XXXX. They said we have a different mailing address I said I have never changed my mailing address. They said they received the change of address via USPS XXXX XXXX XXXX. This address change was changed by Chase on XX/XX/XXXX. They have sent mail to the address of XXXX XXXX XXXX XXXX XXXX, MN. XXXX. I reached out to the USPS and after several calls I requested in writing that the USPS did not have any change of address for me & he checked with XXXX & they have no record of any address change. I demanded that Chase send me a copy of the address change they received. They stated they can't do to other addresses. I stated black out the other address 3with only my address showing. They said they can't send per Management @ Executive office Chase XXXX XXXX. I asked if he contacted the person my my e-mail I received from USPS ( see below ). XXXX indicated he checked with their contact with USPS. Chase has compromised my identity. They have offered me free credit monitoring ( which is the least they can do ). Since they refuse to send me the documentation of their receipt of address change. It also took them 2 weeks to even change the mailing address back to XXXX XXXX XXXX XXXX XXXX, MN. XXXX. This has caused me undo anxiety, major stress and they told me they could not provide me compensation for their error. I am requesting your assistance in this matter. 

Change of address XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   To XXXX Quick reply allReplyForwardDelete XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX Dear XXXX, As I stated in the voicemail I left for you on XX/XX/18, I have searched our change of address system and there is no change of address for you out of XXXX. I also checked to see if there a change for you going into XXXX, which there was not. 

I also called the XXXX XXXX phone number to see if they have any record of that either, which they do not. XXXX XXXX is XXXX XXXX XXXX  XXXX data base that businesses use to be notified of changes of address. Since they do not have anything, I cant explain where your mortgage company got this information. 

If you have any other questions, feel free to give me a call. 

XXXX Consumer Affairs Associate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally and physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: KS

Complaint narrative:
Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.

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 2019-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Spoke to numerous representatives in which I set up payoff amount early so my loan could be paid in full & not be reported 30/60 days late. They stated numerous times the membership was late but my loan wasnt & my credit report would not be affected. They lied. My report has listed 60days late in XX/XX/XXXX when the loan was paid off in XX/XX/XXXX. Also they refused to let me pay loan with another checking account which belonged to me. They refused to look into this matter when I reached out to them. They stated file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Hello This is regarding the very first complaint I filed on USAA. After the President contacted me he left a message on my phone regarding the reversal and re crediting of the XXXX back on XX/XX/XXXX. They gave the money back to me after speaking with you several times and them contacting me stating they worked things out by recategorizing the dispute. I still never received the merchandise from XXXX XXXX and it was never sent back out. I uploaded statements from the usps oig as well to support my statements and today someone made a banking error and re reversed it the 2 nd time Again. After it was fixed by higher personnel. I need assistance in this matter and would like to speak with the President cause they told me it would be given back. This should not have occurred. Attached is a copy of my banking all you have to see is how they rereversed it 2 times on the ledger. It is regarding the XXXX XXXX package I never received and that was also reported sent back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed account XXXX XXXX account # XXXX showing charger off for {$4000.00}. EQUIFAX HAS NOT PROVIDE ME WITH PROOF OF ACCOUNT THATWAS SUPPOSED TO BE VERIFIED BY EQUIFAX. ALSO ITS BEEN OVER 30 DAYS AINCE I DISPUTED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Several months ago I realized I could not edit alert settings for my Capital One credit cards online. I called the company and the representative had me try different things such as clearing cookies. He finally said they would look in to it and get back to me. I changed my password that day just in case. As of today 's date, XX/XX/2019 I have not heard back from them. Today I again tried to access the alert settings and received a pop up that I got a screen shot of and will attach. I changed my password again today. I need to know why I can not access that part of my online account and if it has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally physically continuously.

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 2019-01-04 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: MI

Complaint narrative:
This past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My name is XXXX XXXX and I live in XXXX Iowa. On XX/XX/2018 I put {$24.00} of gas in a XXXX XXXX XXXX near to XXXX on the XXXX  XXXX, using my credit card ending XXXX of Bank of America. Then on XX/XX/2018 when I tried to used again in other place, it just said declined. When I checked my card statement it showed that I had done different transactions during XX/XX/XXXX and XX/XX/2018 that I didn't. They were 2 more in the same XXXX XXXX XXXX for {$24.00} and {$13.00} and later three additional transactions in XXXX XXXX {$13.00}, XXXX {$8.00} and XXXX {$27.00}. So it looked they kept doing it Up to my credit limit was reached. Fortunately I just have {$300.00} because they would stealing my money. Once I realized what happened I immediately report to the bank and the create the fraud claim XXXX. On XX/XX/2018, the Bank sent me the letter telling me that there not identified fraudulent transactions and I would have to payback those transitions and I'll be responsible for the balance of my account ( Attached ). On XX/XX/2018 I went to the office in XXXX XXXX and they didn't take my request, because the credit line people weren't working that day. The advisor reschedule an appointment for me during the week days and hours that apparently the credit line people work, but I work and for me is not possible attend a personal appointment that fit in their schedule. Anyway I let The advisor know about my position of not paying those fraudulent transactions, because I never unprotected my card and the bank must be responsible for the card and money care. He explained me no balance will be applied. So since it was a prepaid card I pay for the balance of the money that I really spent, in the way to using for a road trip during XXXX XXXX weekend. I was traveling on my way back from XXXX XXXX to XXXX Iowa confident with my money in my prepaid card, but nevertheless the bank took the money and applied the balance without my authorization. Making me live hard times without my money to put gas, I really faced an emergency because I just counted with the money in my card.

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 2019-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ezperian fail ro provide me with proof of XXXX XXXX account XXXX that was so called veried by them. Also it has been more that 30 days. Under section 609 that arw required to provide proof of account

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 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Customer service is very very poor. They don't want to help and solve the problems of the customers. I always pay my bills online through XXXX XXXX  and upto now I never had any problems with any parties. But I have problems with XXXX XXXX XXXX only. 

I always pay ontime but this XXXX XXXX XXXX charges me late fee and interest stating that they received the payment late, may be they posted it late. Why I have to pay the above charges when I am not at fault. Please see to that, it never happens again to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Armor Systems Corporation
State: NJ

Complaint narrative:
XXXX XXXX {$4.00}, PAY OFF XX/XX/2018 C/C {$480.00} DID I CALL, THEY SAID THEY WOULD TAKE CARE ALL READY, BUT IT STILL SHOWS IN MY REPORT. THE OTHER ACCOUNT IS ARMOR SYSTEMS CO, WHICH I PAID BUT IS STILL SHOWING AS UNPAID.

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