vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
navient-formerly sallie mae, dept of ed has student loans listed at times that i was not attending college. i also had only XXXX in student loan debt and some years ago then i jumped to XXXX even though i was not in college at the time and now, it has jumped to XXXX. huge jumps from XXXX and i have not used any type of student loans since early XXXX. that last student loan was at XXXX XXXX XXXX in XXXX. why am i being gouged like this. i did not incur all of this. i have reported numerous times that my identity was stolen and have fraud alerts and several confirmations from the federal trade commission including two police reports in which the last one was obtained because someone stole my amended tax return info through the united states postal service. please resolve this. they also reported the same student loans multiple times on my credit report to make it look like i have more debit that what i actually have. for example, one student loan ( with the same account number ) is reported three times even though it is only one loan. i tried to apply for a home loan and the banker caught the fact that they were reporting the same loan several times to make it look like i had several loans or what bankers call trade loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished Trans union with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX   XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to XXXX XXXX to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.

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 2019-10-17 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please have it removed.

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 2019-10-17 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts on my credit report that aren't mine. Please have it removed.

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 2019-10-17 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I had a personal loan with Springleaf financial ( now doing business as One Main ) in the years of XXXX-XXXX. During these years I maintained a perfect payment history. Included in my monthly payments was an additional fee for payment protection. The protection program is offered to borrowers that opt in to help them pay their monthly payment in the event of loss of employment or disability. In XXXX  XXXX, I was laid off from my job and initiated a claim with XXXX XXXX ( payment protection ). After months of endless phone calls and communication via mail, my claim was denied. XXXX explained that this was due to me not being approved for unemployment benefits, which makes absolutely no sense, if I had income from XXXX, I would not need the payment protection. I paid for this protection for over 2 years and was not able to use it when I most needed it. This company cheated me and basically stole my money. They charged me for a service they did not provide. To make matters worse this company is reporting negatively every month to the credit bureaus even though they state I have a XXXX balance and that my account is charged-off and sold to another lender ( who I do not have a signed contract with ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had money taken out of my business banking acct with chase bank under the heading of it being a payment to XXXX   phone bill cor the last 7 years I know about and have the web I'd # the person ls using to do this with. I estimate over the last several years they have taken close to {$5000.00} min every year and withdraw sometimes 2 or 3 times  every month need help recouping my money from chase or XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts that arent mine that need to be deleted from my credit profile.

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 2019-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019 - I opened a checking and savings account after seeing a Citi promotion. 

On XX/XX/2019 - I was charged a {$14.00} for ACH Electronic Debit - XXXX  XXXX   RETRY PYMT on the day I opened the account On XX/XX/2019 - I was charged a {$48.00} overdraft fee On XX/XX/2019 - I contacted Citi and I was able to get the {$14.00} and {$48.00} fees reversed, but there was no explanation where the XXXX  XXXX RETRY   PYMT originated from which caused the fees. This was on Citi 's end as I had not receive a debit card nor the welcome packet yet. 

On XX/XX/2019 - I transferred {$15000.00} into the checking account On XX/XX/2019 - I transferred {$500.00} into the savings account On XX/XX/2019 - I was charged a $ XXXX monthly fee. I had maintained an average daily balance of well over {$10000.00} so the fee surprised me. 

On XX/XX/2019 - I contacted Citi and they said the charge was due to the accounts not being linked. I assume the accounts being linked is the norm since you can transfer money between them, but apparenty it is not. I was assured by XXXX at XXXX, XX/XX/XXXX : " I can assure you that you will not be charged moving forward for as long as the account is able to maintain the fee. '' On XX/XX/2019 - I was charged a $ XXXX   monthly fee. Once again, I had maintained an average daily balance of well over {$10000.00} as the balance of the accounts had stayed relatively the same since opening. 

On XX/XX/2019 - I contacted Citi about the fee and was told by XXXX at XXXX, " I have re-aligned the linking of the account, XXXX. This will be effective XX/XX/19. '' She said she could not reverse the fee though even though it was Citi 's fault stating, " As of the moment, we're unable to reverse the fee since it is a valid charge based on the terms of your account and due to the recent fee reversal made on the account for the past 540 calendar days. '' My complaints are as follows : - In XX/XX/XXXX on the day of the account opening Citi overdrew my account causing {$14.00} and {$48.00} fees which were waived. The cause was Citi bank overdrawing my acccount on the day the accounts were opened and not me. How I can I overdraw an account when I do not have my card or information yet? 
- In XX/XX/XXXXI was charged a {$25.00} fee, but I was unable to get the {$25.00} reversed because I already had a fee reversed in XX/XX/XXXX ( which was caused by Citi ). The Citi employee assured me the accounts were linked I would not incur another fee. 
- In XX/XX/XXXX I was once again charged a {$25.00} fee even though a Citi employee assured me the accounts had been linked and I would not incur another {$25.00} fee. This was Citi 's fault once 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 monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On XX/XX/2019 I cancelled service with XXXX and paid my final bill. After cancellation, I continued to receive a bill for service I no longer had. Now this company has sent my account to collections and has reported to credit bureau for an amount they are fraudulently trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NV

Complaint narrative:
There are accounts that arent mine that need to be deleted from my credit profile.

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 2019-10-17 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: NV

Complaint narrative:
There are accounts that arent mine that need to be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished XXXX XXXX with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to Seaquim collections to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
I am writing, because I disputed the following information that is fraudulently reporting on my credit bureau to Equifax ONLY. I did not authorize anyone to open an account in my name and respectfully asked for the information being reported by XXXX be removed and blocked immediately. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. Block, Except as o
therwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer I have provided all of the above listed four ( 4 ) items to Equifax. Therefore, I expect the listed account to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting that XXXX account public records item, and inquiries be permanently block and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Lender Inc
State: FL

Complaint narrative:
Self lender falsely reported 30 day plus delinquency late payment on my credit report for my XX/XX/2019 payment after I set up auto pay in XX/XX/XXXX for the payment to be auto devoted on XX/XX/XXXX and I have the screenshot, however I logged on the account today and saw that autopsy was not reflecting. I immediate re enabled and contacted self via chat and got no help. If the late fee and my credit report is not corrected to remove the erroneous 30 day late payment, Ill be contacting the CFPB. I ask for it to be escalated and was told they have no corporate office and it could not be escalated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.

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 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I recently applied for an FHA refinance mortgage with Quicken Home Loans on XX/XX/19 or earlier. My mortgage broker has let me know that Quicken has really struggled with new loans registering at Quicken and their set up process. They are also offering interest rate lock timeframes that they are not able to close loan applications within. 

But thats not the main issue. The issue is that they make you use one of their appraisal management companies, in this case the appraisal was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. On that date the Broker received a notification that the appraisal was completed and available for download. The broker downloaded the appraisal and it said " AS IS '' so no repairs were required. 

Timing was a little tight but we had enough time to close before the interest rate lock expired on XX/XX/XXXX. Then on XX/XX/8, 9 days after the complete appraisal report was delivered to the broker ; Quicken posted a new loan condition that the appraisal was now " Subject To '' and listed a minor repair. 9 days later. And no one even told the broker about it! He happened to look in the file and saw it had been posted. Quicken has since removed the original appraisal report so that it can not be accessed but the broker saved the original copy. 

By waiting 9 days to make a change to a completed appraisal ; Quicken effectively blew my interest rate lock out of the water. The mortgage broker was without power for 4 days including the day the lock expired. He asked Quicken to cover the re-lock fee ( about {$1100.00} ) in light of the situation. Quicken refused putting the blame back on the broker. They then cut off the broker from doing business with them ever again. The broker has continually asked that they make this right for me and they continually refuse and put the blame on the broker. Also, interest rates have gone up since my loan and interest rate were originally locked in so Quicken knows they hold the cards and by not honoring my original lock they are now making more money in fees. Another {$1100.00}. 

Based on what the broker has told me about this happening to multiple other clients and how Quicken handled my application it looks like they are intentionally causing their clients to need lock extensions and re lock fees. This is predatory lending. We have tried to get them to make this right and they have refused. They have scoffed at us for threatening to file a complaint with CFPB. The two individuals we dealt with at Quicken were XXXX XXXX and XXXX XXXX. When asked to speak to another supervisor XXXX XXXX responded that he has the final say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I sent small dividend checks largest one is XXXX dollars to deposit to JP Morgan Chase bank XXXX NY XXXX by registered mails 3 times this year. They were never deposited. The checks were never returned. Still did not get answer from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NV

Complaint narrative:
There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.

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 2019-10-17 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: NV

Complaint narrative:
There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: MA

Complaint narrative:
This account is being reported inaccurately. I see repetitive late marks and I do not see the date of last activity being reported which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts on my credit report that aren't mine that need to be removed.

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 2019-10-17 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine that need to be removed.

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 2019-10-17 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: NV

Complaint narrative:
There are accounts on my credit report that aren't mine that need to be removed.

Company response to consumer: Closed with explanation