vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX   XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to PA that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.

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 2019-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC
State: FL

Complaint narrative:
Northeast recovery services of XXXX ny. Is trying to collect in a old tribal loan which was paid in XX/XX/2018, bought old debt probably, I paid XXXX on this internet loan. They are calling relatives scaring them and trying to get information stating they are an officer. His name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
On XX/XX/19 I received a collection letter from Halsted Financial Services , LLC stating that XXXX XXXX XXXX, placed with them for collection a debt for {$1000.00} that they claim I originally owed to XXXX XXXX XXXX. Its their reference number XXXX. I called them and disputed that I never opened an account with XXXX XXXX XXXX. They suggested that I file a police report so they could remove it from my credit history for which I complied to and let them know after I have done it on XX/XX/19. They said that it will no longer show on my history after a month but it still does as of XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, our USAA account was hacked, an outside account was added to our profile, and someone transferred {$10000.00} from our savings into this unknown account. USAA was notified immediately of the fraud. A police report was filed, as was an FBI report. USAA has refused to make our account whole again and is holding us liable. They have not and will not provide the specific details that led to this conclusion. They are no longer willing to discuss my case, and have recommended I get a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX-19 I made a claim against my home owner insurance and come to find out fifth third had not made my insurance payment so they would not take the claim called fifth third and they said they had a grace period of 60 days and my insurance said that is not true and told me that they had sent them a notice after talking to several people from the bank they said the would pay it so a week went by and I called insurance to refile the claim and they said they still had not got paid so I called the bank back and they sent it out around XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian sells your information than allow people to pull your credit. I understand now how this happend. I would like them to show proff with identification i applied for these inquiries a hard pull on my report. I want experian to stop selling my information

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 2019-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED AUTO ACCEPTANCE
State: FL

Complaint narrative:
2013 XXXX insurance paid off the total damaged vehicle. A representative called and said I had a balance that the insurance did not cover, she began to say if I don't pay It, then it would be reported on my credit as a repo, and damage my credit. I told her I shouldn't have to pay when the insurance paid the vehicle off. So with her saying they will report to my credit I said I can make payments. The company never sent me nothing in the mail of a balance or payments made. I explained to her I need something in writing before I can continue to send my money, as promised I didn't get it. So I looked on credit karma and behold its on my report of {$1300.00} showing charged off, bad debt, repo. I disputed then the balance change with payments made here and there up until this year which is a lie. I never heard from this people or received any documentations. I stopped sending my money after seeing the bad reporting on my credit with XXXX  and XXXX. I continue to dispute and still negative reporting. This is not fair to the consumer. This company has lied and reported false information on my credit report, and it should be deleted. Very fraudulent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: U.S. BANCORP
State: AZ

Complaint narrative:
Elan has violated FDCPA. Status must state : paid in settlement. Balance written off. Comment must state : paid in full for less than full balance. I had made payment arrangements for a settlement Elan had agreed upon. They even recorded me. Yes they are still reporting incorrect information I have disputed twice w XXXX, once w XXXX, and once w XXXX. I have added documentation

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 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber home loans sent me a preapproval letter to take out a new 30 year mortgage on my house at a HIGHER interest rate. Because the principal has been paid down, my monthly payment would be about {$70.00} less. They are advertising that I will see an annual SAVINGS of {$740.00} while my new APR is .1 % HIGHER than my current APR. obviously this is not a cheaper way to go, to effectively pay off a lower interest loan by taking out a new higher interest loan. The fact that they mislead customers by telling them they will save money should be illegal. Its outright dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: UT

Complaint narrative:
I took out a loan with Navient in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with Navient was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2019-XX/XX/2019, I contacted after being targeted by fraudsters who stole total of {$230000.00}. 

Navy Federal Credit Union XX/XX/XXXX international wire transfer to XXXX XXXX {$41000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$35000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$80000.00} XX/XX/XXXX international wire transfer to XXXX XXXX {$75000.00}. 
XX/XX/XXXX I reported to NCU bank for FRAUD and requested for cancellation Immediately, XX/XX/XXXX total {$150000.00} could possible to holding action because International wire transfer transit time in USA from Navy Federal Credit Union to XXXX XXXX XXXX should take 3 days in USA then arriving country takes another 3-4 days. These funds available dates are XX/XX/2019. 
If NCU wiring department takes action for cancellation immediately I didnt loose these money. 
I complaint for funds available date If wire transfer takes same day, Navy Federal Credit Union must update wire transfer website information for consumers immediately also they must tell to consumers for correct meaning for funds available date. Bankers told me their computer system generated available date automatically, but Wire transfer is much faster than 5-7 days, sometimes same day. 
As consumers, were depends on bank policy and rule on the public website also Receipts my last two transactions funds Available date is XX/XX/2019. 
Navy Federal Credit Union bank international wire transfer transit time is 5-7 days, sometimes takes more days but Navy Federal Credit Union fee is cheaper than other banks. 
My complaint is : Navy Federal Credit Union should pay me back for XX/XX/XXXX two transactions I think this is very unfair Navy Federal Credit Union must update wire transfer information on line website and their computer banking system correction for funds available date instead of system automatically calculated 7 days, Most of consumers include me, when they see funds available date we believe funds will be there around those dates. I never hear international wire transfer transit time is same day- until NCU banker told me after I realized I lost all my money by Fraudsters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.

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 2019-09-06 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Duplicate inquiries on report, called creditor about it, said they don't know why there was a duplicate but they couldn't remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
After a few months, I tried login into my credit card online account to make a payment. The username and password I entered was correct but it asked my for a second verification step which was getting a code through the phone. Despite trying a few times, I never got that automated phone call. The following day, I tried to resolve the issue through a different way, calling costumer service. I figured maybe the phone number Citi had on record was wrong so I tried to get them to change it and send me a verification code to the correct number and then be able to log in and operate my service. Trying to get that done involved speaking with the automated voice 4 times and then speaking to around 10 people both in English and in XXXX and repeating the same information over and over. I was told twice that my correct phone number needed to be verified so the representative would end the call and call me back right away at the correct cell number I provided. In both of those occasions, I did not get that promised phone call. After around 80 minutes trying to resolve the issue I was unable to get any effective support so I made one last phone call to request my card being cancelled. The operator asked me if I wanted email confirmation of the cancellation and I said yes but I havent got it after several minutes although he told me my request had been confirmed. I am seriously disappointed with Citi 's costumer service.

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 2019-09-06 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 — Problem with personal statement of dispute
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
I was impacted by a natural disaster in XX/XX/XXXX. Hurricane Irma. I was with my mortage company XXXX. During that time I was under a Forbearance for over 6 months. I would call and call multiple times, my remarks and records indidcate this. I had to do a loan modification due to a natural disaster and I was told my credit would be protected by fema. After almost a year of getttonh documents submitted and going back and forth I was finally approved for a modification. During that time my loan was transferred and I was going to pull from my 401k to get current but I was told to start making payments with the the mortage company Flagstar as of XX/XX/XXXX. My load modification was transferred from XXXX as is to Flagstar without my concent. I tried to appeal but XXXX said they have no records of this. Now my credit has been impacted bc Flagstar is saying I owed 2 months for XX/XX/XXXX and XX/XX/XXXX from XXXX but my loan was not transferred and my loan was not successfully modified and approved until XX/XX/XXXX and I was told to make my first trail payment with Flagstar and not Cenlar starting in XX/XX/XXXX. This is not fair because now my credit report is showing that I missed payments XX/XX/XXXX XX/XX/XXXX andXX/XX/2019 due to missed payments from being under the disaster from XXXX when that account was closed and dropped my credit score over 50 points. Flagstar has no documents from XXXX that the reason I was behind was due to a natural distaster and that XXXX extended my forbearance multiple times. XXXX will not send any information about my forbearance because they say they dont have it and they have no direct number to loss mitigation. Flagstar my credit will stay as it, as its not fair that I was not able to fulfill my loan modification with XXXX who created the loan modification. I just want my credit report to show that I made all payments on time and not missed as it states on my credit report for XX/XX/XXXX XX/XX/XXXX XX/XX/2019. Only a few people have been nice at both companies but other than that its been horrible. I was also out on XXXX during the time of the natural disaster due to XXXX  XXXX but again, this was never noted. I submittted all receipts from my repairs for my modification and it states that if I were in a natural distaste area my credit would have been suspended from being reported. XXXX did a horrible job conducting my modification as it took almost a year and they didnt give Flagstar all the documents needed and Flagstar has been no help. Please please help me.

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 2019-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have complained submitting numerous disputes to Experian in regards to accounts that were deleted and now reappearing, The accounts are obsolete and should have been off of the account many years. Experian deleted a few months ago and now reappearing. A representative claimed they weren't ever removed, which is false as I attached a copy of the credit report to support that the accounts had been deleted, now reappering. I spoke to someone name XXXX XXXX XXXX who indicated that that the accounts were never deleted and claims they were verified which is a way to cover up them putting them back on my credit report. I received an alert from an outside organization that there was a change to my Experian credit file two months later and I was mortified to see that the old collection accounts had been placed back on my credit file. The alert by my bank is how I discovered the 16 accounts were reinserted on my credit and when I disputed, within a day I received an email stating the dispute was finalized and it is impossible to complete an accurate investigation for a dispute in a day or so. I do not know this creditor XXXX but this collection agency is falsifying opening dates/payment history because I have not had any accounts opened in over 10 years and they have an opening date of XX/XX/2016, The company falsified information saying the account was opened in XX/XX/2016. I am attaching the credit report to show the creditor was not on my credit file then it reappears. I have attached verification requests letters that have been submitted to Experian and disregarded.

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