vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unacceptable response to complaint XXXX as your investigation only verified name rank and serial number, which is not what I 've disputed. I will again submit a follow-up compliant with Experian until Experian takes the same position as XXXX  by refusing to support a known predatory loan that not only was part of a class action suit that cost XXXX XXXX 150+ million in settlement costs, but was even identified by the grantor " XXXX XXXX '' itself as being handled in error. 

Experian continues to allow XXXX XXXX to stand behind their predatory lending practices as the home equity loan in question was an instrument of XXXX XXXX home loan, which affected roughly half a million borrowers that took these XXXX loans under false pretenses from XXXX, me being one of them. XXXX Bank and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because XXXX loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' In addition to XXXX admitting that they error-ed, said home equity loan was transferred in XXXX of XXXX under Account XXXX while litigation proceedings were still in progress and without notifying me or my attorney of this critical piece of information that would have otherwise alerted my attorney of XXXX XXXX 's intentions to proceed with foreclosure and sale of the home in lieu of working out a true modification that would have upheld the loans original commitment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX XXXX I bought furniture from Rooms-To-Go. The sales person misled me and asked for my date of birth, income, and social security number. A month later I got a credit card in the mail from Synchrony Bank when I did not agree to or sign for a credit card. I called XXXX XXXX, XXXX to cancel the credit card and was able to. I still want to complain about XXXX and Synchrony Bank about the unauthorized used of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This occurred from XX/XX/XXXX-XX/XX/XXXX The company is XXXX XXXX XXXX XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. XXXX has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( XXXX ), and even had a credit helping agency work on our behalf, but XXXX will not remove it, and it is false and erroneous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This year I 've been scammed by two different XXXX insurance  companies. The policy numbers exist only within those companies to bill me. There is no actual insurance that can be used. XXXX XXXX and XXXX XXXX. I have pleaded with Wells Fargo and they have ignored my story. Last charge to my debit card was for XXXX dollars. I initiated a dispute and Wells Fargo closed it immediately. They stated that I did not cooperate. They ambushed me at the branch on the phone in an unprofessional and completely inappropriate way that prevented me from handling the situation. Both of these companies are real, yet neither providing a usable policy. Wels Fargo claims that my purchases are protected from fraud and clearly that 's a lie and false advertising.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sherloq Group, Inc
State: IL

Complaint narrative:
This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with Navient ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact Navient. I have contacted Navient several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I was charged for damages on an apartment. I paid within a few months. 9 months go by after that and I get another statement. The collection agency never notified the apartment company and my credit score dropped significantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom it may concern : I am fighting 2 loans disputes a parent loan by Navient Solutions that so call being investigated when my son left after 2 months because they would n't let him in class with no financial aid. This is the 4th dispute with them not doing anything. Now Navient has purchased this loan and dong the same stating they approve my forbearance which I never spoke with them or had any contact with them other than the other loan I am disputing .This loan is over 30 years old it  was from XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX and was under XXXX XXXX which I disputed the amount XXXX and how it was processed by the school. I was told I need it graduate? But I was on a XXXX XXXX XXXX. I was in bankruptcy for 5 years since XX/XX/XXXX. This loan from Navient states repayment begin in XX/XX/XXXX which I remember sending payments to XXXX XXXX so they would attempt to take our tax refunds and they was working on investigating ( The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check ) now loan amt ( XXXX ) now unpaid balance ( XXXX ). payments of XXXX starting on XX/XX/XXXX XXXX payments and last payment XXXX to end XX/XX/XXXX total with interest XXXX, no fraud and rip off but when you contact them with your information or CFPB they give a fake response like they are looking into the matter. I need help I am XXXX years old and in XX/XX/XXXX if I live I would be XXXX XXXX XXXX .The CFPB need to go after this rip off Company. I understand there is a pending lawsuit. How many other people have been affected by this Company and their tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: GA

Complaint narrative:
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXXi had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

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