vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: LA

Complaint narrative:
XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge. 

XXXX XXXX from XXXX XXXX, XXXX I told this company and Transunion that this inquiry was made without my knowledge.

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 2017-10-09 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: CA

Complaint narrative:
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.

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 2017-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Ocwen is our second mortgage provided and we are able to payoff the loan. Our payoff quote included : Satisfaction Fee = {$28.00} Payoff Fee = XXXX It appears that this information is not included in the Payoff Requirements and Conditions. 

How greedy is this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A.
State: MN

Complaint narrative:
XXXX XXXX rent was paid in full, with security deposit in the amount of {$810.00} held by XXXX XXXX and a check in the amount of {$54.00}. Endorsement of that check included a clause which stated, " endorsement constitutes acceptance of this check as payment in full of all obligation due between the parties. This check was cashed by XXXX XXXX. 
After vacating the premises owned by noon on XXXX XXXX, XXXX, we received an email requesting our forwarding address, which we provided. Soon after, we received a letter requesting payment of charges due, in the amount of {$400.00}. This included such things as an " estimated sewer and water '' charge of {$100.00}, " three hours of extra cleaning at {$20.00} per hour, '' " removal & dispose of abandoned couch '' charge of {$40.00}, and lastly a " cost to market & re-rent unit for XXXX/XXXX/XXXX '' charge of {$150.00}. 
The apartment was vacated in cleaner condition that when it was rented, as well as painted -- which was never reimbursed by XXXX XXXX. 
After responding to this letter, with a request for reimbursement of paint supplies and labor, we received another letter, this time with more aggressive language, stating, " bottom line, the {$400.00} is due. Please make payment or this will go to collection. '' We chose not to respond to such rude correspondence. 
We then received a letter from collections, dated XXXX/XXXX/XXXX, requesting that we contact their office to make payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been aggressively paying off my $ 200k+ in law school loans in order to minimize my overall interest and payment term. I 've made several bulk payments and set an autopay of {$2500.00} -- substantially higher than the minimum payment. When I went on XXXX in XXXX, Navient unilaterally lowered my autopay. At first by more {$400.00} ( XXXX-XXXX ), then by more than {$700.00} ( XXXX ), then by {$1900.00} ( XXXX )! The auto pay for next month was down from the original {$2500.00} to {$620.00}. When I asked why it changed no explanation was offered. They referred me to a " updated payment terms '' document. The effect of lowering my autopay was to lengthen my payment period ( thus erasing the advantage I gained by making payments ahead of schedule ) and keep me paying interest for longer. When I called, they put my autopay back to the original amount, but can not guarantee that they wo n't unilaterally adjust it -- thus lengthening my repayment term -- in the future. 

I am attaching : the document showing my autopay at {$2500.00}. 2. The document showing Navient unilaterally lowering my payment in order to lengthen my loan term. 3 A screenshot showing autopay ( and one bulk payment ) dropping down in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.

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 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This is/was a debt with XXXX XXXX. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru XXXX. XXXX has not removed this error even after filing a dispute with CFPB. Synchrony Bank has already made contact with XXXX and provided them an updated XXXX to correct this error and they have not. It has been over 30 days and this information has not been updated.

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 2017-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is/was a debt with Capital One. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: LA

Complaint narrative:
XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: CA

Complaint narrative:
THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.

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 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
On XX/XX/2017 I was served a complaint on behalf of XXXX XXXX XXXX from Sessoms & Rogers. I never received any prior notification of legal action. The complaint was served at my parent 's address, rather than my own. My father was informed of the service, the amount of the debt, the current account holder and the previous account holder. My rights were violated with this action and subsequently with other actions : According to the FDCPA subsection 804 : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt. Subsection 805 : ( b ) Communication with third parties : *without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonable necessary to effectuate a postjudgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, etc. Subsection 807 : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. *I have been notified that Sessoms and Rogers will attempt to get a judgment against me without providing me the opportunity to face them in court as is my right. I have requested multiple times for a court date. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. Sessoms has been sending me documentation that looks official in nature, ordering me to answer questions about myself and the alleged account, these questionnaires are titled as being from the XXXX County Court system and require the signature of a district judge before they are sent to me, none have been signed or reviewed before being mailed to me, and none have shown any sign of being file stamped and placed with the XXXX   County Clerk of Court. Therefore these documents are falsely represented to be issued by the court. Subsection 809 : ( d ) since there is no documentation provided prior to the service of the complaint, a communicaiton in the form of a formal pleading in a civil action shall not be treated as an initial communication. According to subsection 813. Civil Liability - each violation may not exceed {$1000.00} in fines/penalties. As there have been 4 violations of my rights under the FDCPA that would total {$4000.00} which is slightly more than the amount which Sessoms & Rogers is attempting to sue me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2017, I was filling out an application through Quicken Loans ' Rocket Mortgage program to see what products they could offer me for a condominium I was purchasing in a new development. I specified the details of the home as well as the down payment I was willing to put down and I provided all of the necessary financial information they requested. I provided my SSN and  my wife 's SSN as well. There was no indication of what mortgage products Quicken Loans had to offer and before making sure they had any mortgage product they could offer me, they immediately performed a hard pull on my credit report and on my wife 's credit report. I learned after this that Quicken Loans does not offer any mortgage products for condominiums in new developments and that our credit reports did n't even need to be pulled. I called Quicken Loans to complain about this issue, but they argued that a vague disclaimer that mentioned nothing about an immediate pull on your credit before considering mortgage options was enough to free them of guilt. I have spoken to several lenders and every single one of them always checked to see what potential products could be available for my wife and I before they made a decision to pull our credit. Several of the other lenders we spoke to also had no programs for new construction condominiums, but they informed us prior to ever pulling our credit.
My complaint is that Quicken Loans did not ethically, permissibly, nor reasonably perform hard pulls on my credit report and my wife 's credit report. They had sufficient information early on in the application process to know that they had no mortgage option available to us regardless of our credit reports. They also did not get permission to perform an immediate pull on my credit report without considering what options would be available.

Company response to consumer: Closed with explanation