vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: IL

Complaint narrative:
You request from case # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have requested an investigation multiple times but have been delayed by Experian. You would like the items removed from your credit report. In order to better assist you and to research this matter fully, we will need you to provide Experian with proof of your Social Security number, such as a copy of the Social Security card or a document from the Social Security Administration that displays your name along with the Social Security number. Please also include your specific disputes or request for a credit report when you provide this information. Please note if you have additional information that your disputing to please submit your exact disputes along with the specific reasons you believe the information is inaccurate. You may send this information to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

See enclosed SSN card and DL ...

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 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My situation started when I received a payment of {$4100.00} from an unknown business that operates in Colorado. Following this situation a person called me claiming to be partners with the company that sent me the money, this person told me that he was interested in giving me a job, the job was to take the amount of {$4100.00} out of my bank account ( the money he sent ) through the ATM and deposited into one of his accounts. I immediately knew that something wasnt right. So What I did was I send the money back to the original sender ( Company in Colorado ) in two electronic  payments of {$2000.00} each totaling {$4000.00}. 
A day after I completed this transactions the bank froze my account, I went to the bank and spoke with the claims department and notified them about this issue, I also notified them that I sent the companys money back to them and that I only needed to send back {$170.00} more. Now this company in Colorado made a claims against the original transaction, which the bank ( knowing about the fact that I gave them their money back ) approved their claim and debited my account for the total of {$4100.00} creating an overdraft in my account. So now this Company in Colorado have kept {$4000.00} extra out of my expense because the bank Forgot about the two transactions of {$2000.00} that I sent back. I called the bank so that they could reverse the two transactions of {$2000.00} each and they denied my claim. I think this is really unfair because the bank should be responsible for this matter since they authorized a debit to my account knowing that I gave the money back to the original sender. Now Im negative {$3000.00} in my account and the bank is telling me that I have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
FH Cann & Associates had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XXXX XXXX 2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: AmeriCollect
State: TX

Complaint narrative:
hippa violation and FTC violation showing on XXXX and XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
hippa violation and FTC violation showing on XXXX and XXXX and 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 2019-04-09 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:
Equifax apparently supplies security questions to Social Security. The questions they have supplied do not pertain to me ( e.g. questions about mortgages, charge cards, addresses, former names, none of which are mine ). As a result, I can not access the SS site to set up an account to receive benefits. XXXX and XXXX both have proper information for me, with a correct listing of my loan and charge history - and I have a credit score of over 800. Equifax will not respond to my dispute request about this - it's website continues to say " This service is not in service '' and provides no means of talking with a representative. This has delayed my ability to apply for benefits for almost two weeks now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: IL

Complaint narrative:
Failure to produce any legal evidence or verification for the alleged debts, and is currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I made a check payment for {$500.00} for my credit card through a Bank of America atm on XX/XX/19, the atm spit out a receipt that it was unable to process the item and could not return it and to contact electronic claims. I did so and they told me that it would take 7-10 to resolve. It was not, I called back after 2 weeks and they said the case was still pending. I checked the bank account I wrote the check off of yesterday XX/XX/19 and saw that it was cashed on XX/XX/19, but it has not been credited to my credit card. I called Bank of America today XX/XX/19 to ask where the money is if it not in my account, they told me to wait a few more days and see and if not I would have to file a claims with my other bank? I dont understand they lost my check and it was cashed and they want me to file a claim with my other bank?

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 2019-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
GE Capital Retail Bank/XXXX XXXX has sold my account to a vendor but they continue to report it on my credit report. I have disputed this many times and GE capital retail bank continue to report wrong information. They are reporting a wrong high balance and and dates are off. XXXX says I need to contact this company for corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I have talked to a collection agency twice today and they just called me a third time asking for a payment even after I told them I didnt agree with the amount they are saying is due

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX  XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
It is my debt, I tried making arrangements to keep it from my credit report but was advised that if I could not pay the debt in full by a certain date it would be reported to my credit report. I am currently making XXXX payments a month. 

I checked my credit report, and it shows this collections agency has reported the same derogatory remarks 4 times in one month. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I called today XX/XX/XXXX @ XXXX EST spoke with the representative, I did ask her if it was illegal to such reporting. She started that I would need to speak with an attorney or get help from an outside entity. She started they report weekly to the credit bureaus. I have worked hard to get my credit score to where I'm able to get credit. I owe the money. I'm trying. I did tell her in the beginning I worked hard at getting my credit score up, and please do not send it to my credit report. She advised that I should try to get a personal or school loan to pay off the balance or its going to be sent to my credit report. If they have to report it, please only once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XXXX of XXXX, I had received a total loss on my XXXX XXXX XXXX XXXX. A correspondence was sent out on XX/XX/XXXX stating that my car was a total loss due to flood damage. I filed chapter XXXX bankruptcy on XX/XX/XXXX and my car was not included. Another correspondence was sent on XX/XX/XXXX Stating that their draft amount of {$11000.00} was sent for my account number in which they released the lien to XXXX XXXX. On my payment history in my account, the only payment that was posted to my account was the credit from my GAP coverage in the amount of {$1300.00}. On my credit report it states that my account was in a charge off status in which they received multiple payments in the yr XXXX yet my account was deemed a XXXX XXXX in XXXX of that year. Ive disputed that same inquiry twice and both times the charges were deemed accurate. I sent a Debt Validation letter via certified mail on XX/XX/XXXX to TransUnion and it was received XX/XX/XXXX and here it is XX/XX/XXXX and I still have not received any validating letters of any charges. I am asking that all Inquiries from this creditor be removed from my credit report immediately as it violates several FCRA standards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my XXXX parent 's home in order to take pictures for a XXXX XXXX   XXXX ( XXXX ). The XXXX was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of Select Portfolio Servicing , INC. ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and SPS has been previously put on notice regarding trespassing. I contend SPS has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX 's illegal actions at the direction of XXXX and SPS, I and my siblings feel violated and threatened. SPS continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. SPS has been repeated told this property is NOT the property described in the purported mortgage. In addition, SPS has yet to provide a legitimate claim per XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: MT

Complaint narrative:
There have been numerous problems with Guild. First, I called about insurance money about a year and a half ago that was supposed used to fix my house from hail damage. At that time I was told there was no money left. However, the current issue with Guild messing up my escrow account by over XXXX. An employee recently found the money ( hail damage ) and sent me a check after nearly four years. However, that employee called me soon after asking for the insurance money back so he could apply it their mistake with the escrow account. That employee was recently fired. As a result of their own mistakes Guild is trying to jack up my house payment almost an additional XXXX per month. I called my insurance company and they told me the bill for my insurance can be paid monthly or in lump sums as it went up XXXX per month. My property taxes were raised by by XXXX per month so the total payment should have been a total of XXXX. Furthermore, I made a house payment at the end of XXXX and recently found that money XXXX was sent back to my checking account and Guild is now charging me late fees and is impacting my credit score significantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: IL

Complaint narrative:
Failure to produce any legal evidence or verification for the alleged debts, and now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I got in bind in XXXX because my check was short and had to get help with my light bill. I move in XX/XX/2018 still trying to pay them, I am trying my best to pay them back I am stressed out hair fall out lose weight.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Dear CFPB, I'm part of the XXXX XXXX XXXX XXXX and think that XXXX might have miscalculated the number of qualified payments I've made so far. 

I've been paying back my loans since XX/XX/2017 regularly and am on the income-based payment plan. My loans were consolidated by XXXX, and my employers are certified non-profit organizations. And I recently received an email stating that I have made 2 qualified payments and that I have 118 payments left. 

Can you help me? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I made a payment to principal of {$45000.00} which they received on XX/XX/XXXX but it was not credited to my account until XX/XX/XXXX. 

The following month they added and then subtracted this amount ( XXXX ) from my principal. They also credited my regular of {$1200.00} payment on XX/XX/XXXX as normal ( this payment was due the due date of XX/XX/XXXX. 

However they then proceeded to reverse and then reapply the payment of {$1200.00} twice and then charged me a late charge of {$60.00} when the payment wasn't due until XX/XX/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 2019-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Our car loan was originally with XXXX XXXX. XXXX XXXX sold the account to Mid Atlantic Finance Company. Since the transfer, we have had the following discrepancies : 1. Balance due from transfer is in question.

2. We have requested a statement or some document showing how they are calculating interest to determine amount owe, including any past due amounts and have been denied.

3. We get 3-4 collections call per day from someone named XXXX.

Company response to consumer: Closed with explanation