vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My school loans should be have been deferred. I submitted the documentation they required along with a letter from my school stating that I am still in school at the beginning of XX/XX/XXXX. I have a confirmation letter of my fax to them with the required documentation needed to show my proof of enrollment. They still have not updated my payment and this is negatively affecting my credit. I filed a complaint with the XXXX XXXX XXXX  and received an email after that from a XXXX XXXX at Navient who I have tried talking with mostly through email. I also called my school after he stated that I was not eligible for a deferment and they informed me that they informed my student loan company that I was enrolled just not continuing with a course from the fall semester as they do not require students to re-enroll for courses that will be longer than 1 semester per the course requirements. I explained to him that they told me they informed them already and was told I could send the information again. At this point, I am beyond frustrated especially when the payment department keeps calling demanding payments as I'm going through all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: CA

Complaint narrative:
Over three weeks ago I sent Equifax a dispute letter letting them know that the information reporting on my credit was not accurate and I needed them to provide me the documentation they have on file for Chapter XXXX Bankruptcy Case number XXXX. Equifax responded a view weeks later with a new credit report, and in the report they stated that they have validated the information for the Bankruptcy with a 3RD party XXXX! This had me a bit confused because about 3 weeks prior I had put a Security Freeze with XXXX! to make sure no one was using my information with out my consent. So I called XXXX to confirm that Equifax did indeed reach out to them to verify the account. It was told to me that they were never contacted by Equifax and they provided me a copy of the Security Freeze I requested. So I sent Equifax a another dispute asking why they provided me with this false information. Section 609 protects me against false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am customer with Wells Fargo since XX/XX/XXXX. I was trying to buy tickets to XXXX XXXX  online, and seller had good reason to selling at 20 % discount. We agreed to 50 % before and 50 % after I receive my tickets. I was buying 8 tickets and discount was significant I transfer {$220.00}. Phone number of seller was XXXX and money was sent using XXXX at XXXX and was sent on XX/XX/XXXX, this account is with XXXX ( US ) per Wells fargo Agent. My bank today informed me, there is no protection as I sent the money. When I had called on XX/XX/XXXX after seller stopped responding to txt ( he/she ) was at work so couldnt talk, I sensed scam. I called wells fargo and asked to hold this money. It was showing pending and agent said, they have taken notes and will try to hold. Next day I was supposed to receive call back from Wells Fargo - didnt get call. I called, and found money was sent as this was XXXX   transfer. The app for wells fargo, doesnt have option to make standard ( 3 day ) transfer, that online bank website has, so money went instantaneous. Wells fargo agent said, they are working with counterpart at XXXX to revert, but today agent says they can not do that, as I made transfer. Why not put a hold and ask each to prove why money was sent or why received, especially when complained? What protection does online money transfer provide? Or bank to bank relation ship between wells fargo and chase. They are helping fraudster 's with this, they allow them to open account ( i think even that was using wrong id ) and supporting by not holding this amount and others. The phone number is inactive since XX/XX/XXXX (  later in day ). So are the banks telling scamming is much profitable business than earning 8-5? That while they open accounts in your name, they can not protect your money, especially when a customer calls SCAM on this transfer?

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 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
TIS IS A MEDICAL BILL in the state of California it illegal if you don't have health insurance. me and my family have had state medical for over 15 years. I covers everything. THIS SOULDNT BE A COLLECTION ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received a notice from XXXX XXXX XXXX ( XXXX ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from Wells Fargo Home Mortgage to their company in XX/XX/XXXX. Our payments with Wells Fargo and XXXX are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because Wells Fargo was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called Wells Fargo on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as Wells Fargo as stated they would not have discharged the bankruptcy as stated in the documents.

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 2018-05-13 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. 

I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX  nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. 

After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. 

I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NV

Complaint narrative:
I have requested several times from Experian what methods they used to verify a collection account on my report from XXXX. I have also written to XXXX and they will, nor have they, sent me any supporting documentation that I requested to validate this debt.

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 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a Capital one credit card and Capital one 360 account. I use the 360 account to pay my balance down by {$200.00}. They show payment accepted. Then 2 week later I get email sorry your bank declined payment and sending money back. So I paid again another 2 weeks went by they did it again. I called bank they said no problem their end. Call credit card it bank fault. They both capital one best part they trying flag my account for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: LoanCare, LLC
State: CT

Complaint narrative:
Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX : 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 2018-05-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Best Buy Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX 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 2018-05-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows Chase Opened XX/XX/XXXX Closed XX/XX/XXXX Chase opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX 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 2018-05-13 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: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Capital One Opened XX/XX/XXXX closed XX/XX/XXXX Capital One opened XX/XX/XXXX closed on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX closed XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX closed on XX/XX/XXXX 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 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

capital one XX/XX/XXXX closed XX/XX/XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX  XXXX XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

chase opened XX/XX/XXXX closed XX/XX/XXXX chase   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I sent XXXX XXXX or XXXX {$650.00} on XXXX in exchange for a purse in which she has not replied therefore I was scammed. I called my bank XXXX in hopes of it being resolved however they are unable to help seeing as though it was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: NY

Complaint narrative:
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Khols opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXXt XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation