vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 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: AES/PHEAA
State: FL

Complaint narrative:
This complaint is with fed loan servicing Servicing company for Department of Educatio n As o f  XXXX      2015 Fed loan servicing has me marked 120 days late in my credit report.
I have proved to them with my paper work three times that I was never late or missed payments, and three times I got back   ( my claim is denied ) How can I go about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am in the m iddle of repairing my credit and trying to rebuild since bankruptcy in 2016 I can not reach Transunion Once I mail to them its returned because of wrong address As a result I get denied for Transunion is giving out the wrong information to the creditors This is affecting lenders and credit cards that could help build my score Its impossible to reach Transunion either by mail or phone I even tried to get a copy of my credit report and its impossib le

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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Progressive Financial Services, Inc.
State: FL

Complaint narrative:
XXXX   XXXX ,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  IA  XXXX  To Whom  It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differ ent collection agencies,   XXXX   XXXX    ( Original Creditor   XXXX   XXXX ,  XXXX  OK ) and I believe another collection is about to be reported to  XXXX ,   XXXX   and  XXXX  by  Progressive Financial Services ou t of  XXXX  AZ, also representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment.     I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with   XXXX   XXXX   (  XXXX   XXXX   XXXX  OK ) deleted from all  XXXX  of my credit files within the last month.     For example, my son just checked his credit monitoring service earlier today and   XXXX   is showing a new collections account  with Progressive Financial Services, orig inal creditor,  XXXX   XXXX  out of   XXXX   XXXX   XXXX  OK. I assume that eventually all  XXXX  credit bureaus will have new collections reported to all  XXXX  bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus, on an individual basis.     I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor (  XXXX   XXXX   XXXX  OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since  XXXX , there has bee n 8 collection  accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor being  XXXX   XXXX    XXXX   XXXX   XXXX  OK. I live in Florida and have since  XXXX  except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill father. We moved back to   XXXX   in  XXXX   XXXX   XXXX  and have lived here in  XXXX  since.     Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the  XXXX  credit bureaus. If  PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.

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 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru

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 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: IL

Complaint narrative:
I have attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.

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 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX   Closed Submitted Status Submitted to t he CFPB on  XXXX  ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.         YOUR COMPLAINT  XXXX  has submitted alleged cable bill to  XXXX  collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in   XXXX   XXXX  . Additionally, I filed ID THEFT complaint with  XXXX  Police  Dept.,   notified  XXXX   XXXX   CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in   XXXX   XXXX   I am being asked to pay.              View full complain t Sent to compa ny Status Sent to compa ny on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.               Company responded  Status Company res ponded Closed with explanation on   XXXX   Response T ypeClosed with explanation Company 's respons e Re : IC  System Reference No :  XXXX  Account No :  XXXX  Your Credit Bureau Account No :  XXXX  Dear  XXXX   XXXX  : Thank you for contacting us. In an effort to close the account, our client,  XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with  XXXX  Police  Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to  XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC  System, Inc. T oll Free No :  XXXX  This communication is from a debt collector same

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.

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 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC
State: CA

Complaint narrative:
UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES :  First  of all, I 've refinanced with First Direct Lending twice. I thought if I needed to refinance again, I would go elsewhere. I 've received several phone calls from various people with First Direct Lending and none with the " High Pressure Used Car Salesman '' attitude. Until I spoke with  XXXX   XXXX . This was by far, the worst experience I 've ever had,  XXXX   XXXX , Sales Manager, aka " High Pressure Used Car Salesman ''. The e-mail and voice mail message he left for me on  XXXX   XXXX ,   XXXX  , really made it sound like something was wrong with my current loan. It has been 7 months since the last closing and I thought whatever was wrong, why am I just now being notified. So, I called  XXXX  back, same evening,  XXXX   XXXX ,  XXXX  pst, to inquire further as to what was wrong with my loan and was informed of the following : " there is something wrong with the FHA  XXXX  No and FH A is refus ing to insure my current mortgage ''.  XXXX  was n't able to tell me what was wrong, but, according to  XXXX , " I could fix this by refinancing immediately ''. I informed  XXXX  that this was something I would need to think about and would get back to him. His comment was, " I need an answer now! '' Needless to say, I was the persisten t one a nd informed  XXXX  that I would phone back when I made my decision.     With the helpless feeling of what to do, I remembered that I was paying PMI on my mortgage. Where was those funds going? I called the servicer on my loan that same evening at  XXXX  pst and was assured there was nothing wrong with the   FHA Case No. and FHA was accepting the payments. Nothing had been rejected.
While having a conversation with an account officer   on  XXXX   XXXX ,  ( different institution ) it was suggested that I google the NMLS #. What I 'm seeing is he is active in 5 states out of 17. Not sure what 's going on with that.      A little bit about me : I work for a ba nk, Construction Lending. Wh ile I do n't have the extensive knowledge of putting a mortgage together, I do know when to question something that does n't make sense. CFPB needs to send  XXXX   XXXX  the strong message that telling customer 's lies falls under the " UNFAIR, DECEPTIVE, ABUSIVE ACTS OR PRACTICES ''. This causes harm! What if I had a medical condition? What would hearing this have done to me? A dditionally, we are just coming out of the housing crisis. We do n't need Account Officer 's ly ing to customer 's so the foreclosure crisis starts up 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 explanation
Consumer complaint received 2017-04-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon receiving a copy of my credit report, it appears as if I have a LOT of inquiries that DO NOT belong to me. I even have  XXXX  inquiry  (   XXXX   XXXX   )  showing twice for the same date (  XXXX  ). I mailed out a certified letter on  XXXX   XXXX ,   XXXX   in regards to  XXXX  hard inquires that was being reported on my credit report that were not factual. They received the letter on  XXXX   XXXX ,   XXXX  , the request was completed on  XXXX   XXXX ,   XXXX  . The letter stated that they can not remove inquiries and that I need to contact the creditor directly. I did another request through Equifax online dispute system on  XXXX   XXXX ,   XXXX   that included the same  XXXX  inquiries stating that they were not factual. I then received notice back that my request was completed on that same date  XXXX   XXXX ,   XXXX  . The response from Equifax this time was " Inquiries are a factual record of file and access. If you believe this was unauthorized, please contact the creditor. '' on all  XXXX  of the inquires I   submitted. According to the FCRA Rules FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that my investigation was completed in 3 days of them receiving my certified letter during my 1st request and next during my 2nd request the investigation was completed on the same day as the date I disputed it. One can assume that there was no investigation into the matter in such short time frame. I plan to purchase a home this year and having so many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original disputes for hard inquiries that does not belong to me. I did not sign for anything. These are unfair practices by Equifax with no concern for the credit worthiness of a consumer.
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it resolved.

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 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: ERC
State: NC

Complaint narrative:
I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: AES/PHEAA
State: FL

Complaint narrative:
This complaint is with fed loan servicing Servicing company for Department of Education  As  of    XXXX    2015    Fed loan servicing has me marked 120 days late in my credit report.   I have proved to them with my p aper work three times that I was never late or missed payments, and three times I got back ( my claim is  denied ) How can I go about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 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: TN

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.

Company response to consumer: Closed with explanation