vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: UT

Complaint narrative:
On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I was Informed by XXXX XXXX  that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX  XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major  Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2018 I purchased a new vehicle through a dealership. Since I still owed on a previous car loan they sent a check to Fifth Third Bank totaling in the amount of my XX/XX/2018 statement. On XX/XX/XXXX, after the dealer had mailed the check, an automatic withdrawal of {$320.00} was made from my bank account. This was the automatic payments I had set up with Fifth Third bank that recurred monthly around the same date and for the same amount to pay my current loan. Since I knew that they would be receiving a check from the dealership I figured I would eventually be getting a check in the mail for the over payment. When the check didn't come I called the bank multiple times trying to get my money back. I was told they never received the payment. On XX/XX/2018 I sent them my bank statement which showed the withdrawal of {$320.00} that was subtracted from my account towards to loan. Even after this the bank will not return my money as they seem to have " lost '' it. My only option at this point is to contact my own bank and hope they will refund the money Fifth Thirds Bank has lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: NJ

Complaint narrative:
As stated in my previous Complaint against TransUnion. See Below ; Transunion is Seriously dismissive when you talk to them on the phone. Obviously, they do not teach Customer Service Skills. My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years. I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit. TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency. I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit. 

This has not been resolved to my liking. This is a pathetic response and my credit score only gained 100 or 136 points originally taken from me. 

While XXXX ( who is an abomination in itself ) lowed my score by only 4 points after opening this {$5000.00} account, TransUnion somehow believes I should be okay with a 36 point decrease in my credit score. I'm 1000 % sure they have NO GROUNDS to stand on when making that decision and down-grading my score to what ANYONE would believe is an exorbitant number of points. 

I want this repaired and I want a REAL explanation as to why this happened. I will continue to file complaints over and over and over ... ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had tried to cancel the service, XXXX, from an annual subscription by doing a chargeback claim in XXXX. I had been charged XXXX as well as XXXX. I had been given back the XXXX but it was then informed that XXXX would not allow the subscription to be canceled. At this point, my account had been deleted so I had no way of unsubscribing from the service. I then reached out to XXXX via email support on XX/XX/XXXX where I had told them the issue of my subscription not being active and also had not been given back the payment of XXXX. They then immediately reactivated the account where I was able to watch 2 movies in the month of XXXX on the XXXX and XXXX. Going into XXXX my account again would not allow me to use the services and requested that I pay an additional fee with each movie. Fast forward to XX/XX/XXXX, I looked at my bank transactions and XXXX is still charging my card as if I was paying for a month to month subscription when I was initially charged for an annual one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GREAT LAKES
State: IL

Complaint narrative:
I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as XXXX XXXX XXXX XXXX, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OR

Complaint narrative:
Hello, My loans are currently with XXXX XXXX. In XX/XX/2018 I applied for loan discharge due to a school closure. After submitting my application for this I received a letter ( see attached ) dated XX/XX/2018 stating that I meet the criteria for discharge of my loans and that my request has been forwarded to the U.S. Department of Educations Office and that I would be contacted regarding their decision. 

I proceeded to wait the entire summer without an update regarding this. During this time, I spent countless amounts of time on the phone with various departments with the Department of Education who maintained that XXXX XXXX would make the decision regarding discharge of my loans. Also, during this time, I contacted XXXX XXXX on multiple occasions with this information and they maintained that a decision would need to be made by the Department of Education and to be patient. During this time my loans were in administration forbearance. 

On approximately XX/XX/XXXX I again contact XXXX XXXX by phone. On this date I was informed by the representative that in fact a partial amount of my loans had been approved for discharge. The total amount of discharge was approximately {$8000.00} ( {$5000.00} on one loan and {$3000.00} on another ). Essentially the difference between the original amount and the current principal balance. I maintained this was not correct but she was only stating the difference between the original loan amount and the current principal balance. The representative could not explain this to me but instead only stated a special letter would be sent to be explaining everything and where this discharge amount of approximately {$8000.00} was applied. To date I have yet to receive this special letter. I am asking for assistance regarding this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Attempted to open a pre-approved account with XXXX, issued by XXXX XXXX XXXX, and was denied. Tried dealing with them by mail as they do not show a telephone number and was told SSAN mismatched, then that they do not show any record of the application. Suspect bait and switch or other tactics in order to pull a hard inquiry on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans.

This misallocation of funds must stop!

I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$190.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had flawless credit for 30 yrs. I've had Chase credit cards, " Chase Freedom '' specifically since XXXX with no problems ever. I've done many balance transfers in my life, so I have plenty of experience. I recently did a balance transfer with Chase Freedom for {$9000.00} ( did many with other Chase cards, but apparently not " Freeedom '' ) When I got my first bill, my minimum payment was {$470.00}. I was SHOCKED. I immediately called on XX/XX/XXXX. The representative told me that the min payment was so high bc they were making me pay the " Balance transfer fee '' up front, but my future payments would be around {$90.00}, 1 % of total balance ( which is standard, AND the rate THEY ADVERTISE ) I went to pay the next payment on XX/XX/XXXX & was once again SHOCKED to see my minimum payment was {$440.00}. I paid it, but I have been trying to work this out with Chase ever since. Apparently, the representative was WRONG & I am actually expected to pay 5 %, instead of the standard 1 % they normally charge, bc that was written in my " user agreement '' paperwork back in XX/XX/XXXX!! 28 years ago!!! They currently charge 1 % to everyone else in the world. My other cards, including Chase, are all 1 %. This {$440.00} is an unreasonable amt to expect someone to pay for 1 credit card. I have kids & many other bills to pay. They never warned me they were so " off the charts '' with their minimum payment percentage, ( except for my original paperwork in XX/XX/XXXX ). They offer everyone else 1 % terms. They change THEIR " terms '' anytime it benefits THEM, but won't budge to lower it to make this payment more affordable & reasonable. So, I also asked them ( as soon as I found this out ) to refund my {$360.00} transfer fee so I could use it to transfer the balance to a different card with a more reasonable minimum payment. They refused. I also asked if they would transfer to my CHASE SLATE card, which has 1 % min pmt, they also refused. They will not work with me at all. I am a responsible working person. I would like to preserve my good credit. I could easily transfer again to a different card, but I'd have to pay another lump sum of $ again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 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: WHEELS FINANCIAL GROUP, LLC.
State: NY

Complaint narrative:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I have been trying to work with Caliber for a loan modification and they have acknowledged all the documents received and they still will not postpone the foreclosure sale date to allow us an opportunity to keep my home. I had a XXXX which forced me our of work. I have my Daughter taking care of me at this time. I am currently receiving Social Security benefits and of course the help of my Daughter. I dont have any where else to go if i lose my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: FL

Complaint narrative:
I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXXXXXX   - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I work for the XXXXXXXX XXXX XXXX XXXX was XXXX on XX/XX/XXXX, XXXX.I called XXXX XXXX XXXX ( holder of my mortgage ) asked for a deferral for the XX/XX/XXXX payment. I was told that the investor whom they sold the mortgage denied my request because he doesn't allow any mortgage he holds to have deferments, even for hardship reasons. This seems unfair to consumers like me who had a VA loan which was then sold to a mortgage company, who then sold it to an investor. It is no longer a VA loan and I have no protection from this type of predator lending practice. 

I am seeking your help in this crucial matter for me and my family. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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