vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
avient, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as Navient, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, Navient and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: GA

Complaint narrative:
XXXX  and Equifax refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We are the attorney firm representing XXXX XXXX and his family on the foreclosure case against him. 

Since XXXX, we have been submitting documents for a loan modification and providing every and all documents Fay Servicing has requested in a timely manner. We did so all the way through XX/XX/XXXX when our application was deemed complete and ready for underwriting to decide. 

At that point, our clients has a sale date scheduled for XX/XX/XXXX and I was informed that on XX/XX/XXXX our application was declined because it was within 37 days of the scheduled sale. A motion was filed to postpone the sale to allow underwriting sufficient time to complete the review. The motion was granted and the sale was postponed to XX/XX/XXXX. 

On XX/XX/XXXX I called AND emailed Fay to make sure they were aware of the cancelation and I was assured the review would be completed. Ever since, I have been mislead over and over, they said they escalated the file, they said it was under review, then they said it was not. Below a time line : XX/XX/XXXX Called and emailed Fay with the results of the motion so they could resume the review. 
XX/XX/XXXX A very rude agent told me our application had been deemed complete since XX/XX/XXXX and I would have an answer by XX/XX/XXXX. I emailed Fay servicing with this information. 
XXXX I was again told by Fay that the file was still being reviewed and they did not have an answer yet. 
XXXX the file was escalated to a Supervisor ( XXXX XXXX ) for the first time. I was advised I would receive an update the following Monday, XX/XX/XXXX XX/XX/XXXX I called and spoke with another Supervisor who told me our file was NEVER sent to underwriting and that she would do so then. That I should be counting 30 days from the foreclosure was canceled and not from XX/XX/XXXX. 
XX/XX/XXXX I called Fay for an update again to find out that on XX/XX/XXXX the file was denied because we were " within 37 days of the sale ''. 

The only possible reason this could have happened is that when the file was sent to underwriting for the second time ( late, as my multiple phone calls and emails were not addressed ), they did not review the account at all. The only thing they saw was a sale date and denied it without considering the escalations. 

We believe this to be unacceptable and not in good faith. We need our modification to be completed immediately as we have done absolutely everything that has been asked from us and the judge canceled the sale so they could give us an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...

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 2018-06-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with TransUnion, XXXX and XXXX   multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.

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 2018-06-15 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: GA

Complaint narrative:
XXXX and Equifax refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to XXXX  is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX  is {$1200.00} as of 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 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: MN

Complaint narrative:
This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them.

Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion and XXXX  refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...

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 2018-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to Experian is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of 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 non-monetary relief
Consumer complaint received 2018-06-15 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: GA

Complaint narrative:
XXXX  XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX  XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX  XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX  XXXX XXXX is doing is completely predatory and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
American Credit Acceptance did not close the account when car was repossessed and sold in  XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.

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 2018-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX   ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable  processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.

Company response to consumer: Closed with monetary relief