vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2017 I placed a fraud alert and the number I have on fine is the wrong one so when I called to updated they did update it and now that am checking they did not the right number should be 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 2019-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
A car was bought in XX/XX/XXXXand payments made every month fast forward to XX/XX/XXXX I am being accused of a missed payment ( which did not happen ) my bank forwarded proof and they refused to acknowledge it. My bank after looking into it thinks it is an error on their end. I have proof of every payment made on this car. This bank is harassing, and threatening and should not be in business, they are ruining people 's lives. MY PROOF WILL BE SENT VIA MAIL TO YOU. As you may have guess it is WELLS FARGO BIGGEST CROOKS IN THE NATION.!!!

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 2019-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover fail to honor their 18 months 0 % APR on purchases & also negligently fail to reduce the total balance after I paid thousands of dollars to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Four years ago, I opted for the " Income Driven Repayment '' plan offered by Navient, due to my own unemployment. Navient was very misleading about what this meant. Among other things, my loan was transferred from the government sponsored student loan sector of Navient to the private loan sector. Part of the statement calls is a federal loan, but my payments must be sent to the private sector loan section of Navient.

My statements have also been conflicting and misleading. When I would call, they would tell me that I was paid up ahead of time. But my online statement would say that I was behind with fees. In addition to the government/private loan conflict, the loan statement has me paying two different loan amounts two different times per month, though it's supposed to be a consolidated loan. It makes it impossible to make accurate payments, without additional fees and penalties, when my email statement, online statement and what they say when I call in all conflict.

Fast forward 4 years .... now that our income is more stable ( though we are still playing catch-up with several forms of debt ), my loan payments are now {$70.00} more per month than they were 4 years ago, and my principal has gone up several thousand dollars from what it was when I first applied for income driven repayment. My initial student loan payment when I got out of college was at a little over a 3 % interest rate, just over {$200.00} per month for 20 years. 21 years later I am scheduled to now pay for another 20 years, at a rate of {$75.00} more per month. They made it look like the income driven repayment was meant to help us pay off our loan, but what they actually did was insure that I would be paying them for the rest of my life. This is predatory lending at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Numerous times I have submitted documentation with the CFPB and via hard copy mail Experian still refuses to show the account as paid and continues to report the account as closed charged off. The company itself has also submitted the account as paid and full to them and they still refuse to update the account as paid. including the payment information from XX/XX/2018 which paid the account in full.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was open in 2010 and was paid in full, still shows in my credit report as a negative impact and i am trying to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: AZ

Complaint narrative:
XXXX was a website I used with my XXXX driver account to have access to my funds instantly, if needed. In XXXX of 2018 they had a processing issue which resulted in an overpayment to me on their end. I was not aware of the overpayment, so when the company attempted to draft the " money owed back, '' XX/XX/2018, I called them and requested an option to make payments. This request was denied and I was told that was not an option. I told them I was revoking my authorization for XXXX payments. I placed a stop payment through my bank on the company. They attempted to draft again on XX/XX/18 and again yesterday, XX/XX/18. I used the chat option today to request they remove my banking information and again stated they do not have authorization to draft funds. I was told they will not remove my banking information or stop the draft attempts. I am sending in a written revocation letter to them and my bank today, but it was my understanding that they have to allow multiple payment options and ACH/EFT can not be required as the only means of payment. Furthermore, I was under the impression that if I revoke permission for them to attempt to draft from my account, they are no longer allowed to attempt said drafts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: AES/PHEAA
State: CO

Complaint narrative:
The balance on this loan doesn't seem to ever decrease as they continue to increase interest, fees, etc. I want this forgiven due to the debt already paid. I called and spoke to service provider AES who has nothing to do with making any arrangements and called national collegiate and was told they can't do anything. Please review, is there a promissory note, this is unfair that I can't get any answers or assistance. 
Originsl balance, {$29000.00} int 6.75 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SPECIALIZED LOAN SERVICING, LLC. misapplied the money I sent to them in XX/XX/2016 for property taxes and insurance. They called me on that XXXX and want me to send the money. I sent two checks to them. one check was for {$7700.00} for taxes, and the second check was for {$1200.00} for insurance. These were exactly what they requested for. 

The following month they forced payment plan on me, and started appropriating my regular monthly mortgage payment to cover the same taxes and insurance. They claimed that my regular monthly mortgage payment of {$1400.00} was not enough for the mortgage, taxes and insurance thereby started charging me LATE payments. I was then reported to THE CREDIT BUREAU for late payments. Since the past two years, I increased my monthly payments to {$2500.00}. 
I have never been late on my payment since they bought my loan, and now they have destroyed my 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 explanation
Consumer complaint received 2019-01-15 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 several hard inquiries on my credit report that do not belong to me. I have tried to contact Equifax, XXXX, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
I received a medical bill for my ex-husband claiming I guaranteed the debt. I know I never guaranteed any of his medical charges so I requested a verification of debt. I received a simple bill from a hospital for my ex-husband XXXX XXXX and it shows me as guarantor but first, there is no signature, second, my name is XXXX XXXX not XXXX XXXX and third they have the wrong address for me. I called and explained that the verification of debt did not have any signature and I did not guarantee this debt and they told me to " take that up with the hospital. '' Also they violated FDCPA, they did not verify who they were talking to and gave me information on the bill without properly identifying me. Also my husband and I are divorced so technically this is third party disclosure sending me his medical bills. 

I do not owe this bill and if it is on my credit bureau it is harming my credit rating and my reputation. I am in the finance business and can not have fraudulent trade lines on my credit bureaus. 

The attorney reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I saw on my credit report I have a debt with an apartment complex called XXXX XXXX   for XXXX  and it was taken over by National Credit System.I was never notified of this before going on my credit report and nothing was sent to me.The original creditor has no proof of this debt and nothing had been sent to me with my signature.Or anything showing charges as well.This is effecting my credit and future for myself.Ive been back and forth with this company due to not showing proof or my signature or any information with my signature of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
This is regards to my current mortgage. My account was transferred from one company to current company in XX/XX/XXXX. I made my on-time payments to both the companies in XXXX. I also made on-time payments to my current company for XXXX too. Original company did not made my school tax payment in XXXX and new company made the payment and late fees for XXXX school taxes and asking to make that payment again whereas, I have already made my payments on my account. Current company keep taking from my account automatically without my approval and not willing to help to resolve the issue. My current company is also asking to increase my monthly payment as they have made the payment covering XXXX taxes. I am not in a position to make any extra payments which I am not suppose to but they continue to do so. I would appreciate if your department can help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made.

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 2019-01-15 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: EQUIFAX, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX, about XXXX XXXX, I called Equifax after XXXX reported an incorrect Equifax balance on my existing home mortgage. My mortgage balance with XXXX  is {$83000.00}. The report I saw said I owed {$110000.00}. When I called Equifax, I spoke with someone named XXXX ( first name only, wouldn't give last name ). I gave him my social security number, address and other personal information. My only desire was to have him check with XXXX  and verify the amount I actually owe, and fix it if necessary. He insisted on much more information about my credit history, " to verify who you are. '' It seemed to me that I'd be on the phone for at least half an hour with him, giving detailed information about credit cards, other accounts, etc. I found this not only unnecessary to accomplish the task at hand, but a little suspicious and I was not willing to share further information. All I want to do is correct the information about my mortgage on my credit report. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The foreclosure that was placed on my credit report erroneously, by Wells Fargo for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs 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 2019-01-15 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: FL

Complaint narrative:
I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, XXXX, and Transunion about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.

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 2019-01-15 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: FL

Complaint narrative:
I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, Experian, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my Experian score to report drastically lower than what it should be.

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 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello. I am writing to express my concern about a student loan forgiveness program I qualified for. Navient denied my student loan forgiveness form. My District signed it and I qualified for {$17000.00}. I have been XXXX 20 years and am very upset to see my time does not matter. I have struggled and needed to place my loans in forbearance and deferment for quite some time. I filed bankruptcy in 2014. If you could please help me get back on track, I would greatly appreciate it. Thanks so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: IL

Complaint narrative:
The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: IL

Complaint narrative:
The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs 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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have a Prepaid Card with Discover Card I closed the account last month & it is still going to take 2+ months to get my money back!! NOOOO!!! UNACCEPTABLE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: ME

Complaint narrative:
My mortgage is through HarborOne Mortgage , LLC. The loan closed on XX/XX/2018.

On XX/XX/18 HarborOne via XXXX  ( their payment company ) paid a tax bill in the amount of {$80.00} from my escrow account that was for a tax bill for another individual on check XXXX  made payable to the town of XXXX, ME.

On XX/XX/18 the town of XXXX  informed XXXX via email that the check had been submitted in error and requested instructions on returning the check. The check was returned by the town on XX/XX/18 to XXXX via USPS mail.

I have been dealing with HarborOne since XX/XX/18 to get the {$80.00} returned to my escrow account. I felt that the time from XX/XX/18 to XX/XX/18 was sufficient time to wait for a refund. As of XX/XX/19 I still have not been credited. See attached information for a call log concerning this issue.

Company response to consumer: Closed with explanation