vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 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: ACS Education Services
State: NY

Complaint narrative:
I  XXXX   XXXX  file this complaint against ACS Education Services as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . Howeve r, ACS re ports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment. ACS Education Services has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as ACS Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.

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 2017-06-10 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: NY

Complaint narrative:
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  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 2017-06-10 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: NY

Complaint narrative:
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  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 2017-06-10 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: NY

Complaint narrative:
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is a t it again! They have been lying to me ever since I refinanced with them 4 years ago. The most recent issue, they gave me specific instructions on how to pay off a loan. When I called today, they said that was not how mortgages are paid off and that I needed to send additional funds to a different address with a loan payoff letter. The loan has been paid and there is both money in the escrow account and extra funds that have been sent to the lender to cover all fees.

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 2017-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XX/XX/XXXX   Contacted Capital One  to dispute the payments. Was not aware of this credit card and informed them that I did not apply nor receive the credit card  XX/XX/XXXX  Received letter from Capital One indicating the investigation determine that I was responsible for the balance of the credit card and demanded the payment due of {$9900.00}  XX/XX/XXXX  Received a demand letter threating to send this file to a lawyer due to non-payment (  5 pa yments past due )  XX/XX/XXXX  Received letter demanding minimum payment of {$1700.00} and stating they could send to collection  XX/XX/XXXX  Received letter agreeing for monthly payment of {$110.00}  XX/XX/XXXX  Sent a certified mail to Capital One disputing the decision that was made in  XX/XX/XXXX  and for not providing evidence that I had applied for the credit card. During that time I had loss my husband and was not in the right frame of mind to make any financial decision.    XX/XX/XXXX  Received letter fro m Capital One as accou nt was charged off and assigned to Recoveries Dept.    XX/XX/XXXX  Received letter via  XXXX   XXXX  threatening Legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications  XXXX  for years to come. What really is the deal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
Tide water finance company has reported my purchase of furniture on my credit report as a maxed out credit card. It took  XXXX  points off  my credit score and I  am in the process of closing on my house. My first payment is n't due until  XXXX . As it stands, I contacted  XXXX   XXXX   XXXX , they stated they are unaware of TWFC practices, so they would not be able to inform the consumer of this potential damage. TWFC manager stated, they have no involvement with how their accounts are reported to the credit bureaus, so they are unaware of the damage they are doing to consumers. I informed them that there a numerous reviews on line of customers with similar misfortune. I would never jeopardize my home purchase this way. It is unethical to jeopardize a person 's entire financial future and refuse to offer a remedy. I explained that if I financed a car, it would not show up on my credit report as a maxed out  XXXX  Visa. This furniture account could have been a good line of credit, instead it is a derogatory account, before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I have had my loans sold and moved on multiple occasions. I have never missed a payment. I have been out of school for 8 years and have hardly made a dent into my student loans. I have paid thousands and thousands of dollars and have called many times trying to get into a plan that will actually reduce the overall loan. I have been told I am in forgiveness plans and moved from program to program. I have been falsely led. As a result, despite paying anywhere from $ XXXX {$350.00} a month for 8 years, I have only put about a {$2000.00} dent into the loan. This does n't make any sense and I have had NO help in getting out of it. I have tried to do it the right way. I ca n't get straight answers from anyone about my plan and am routinely talking to people that hardly speak English. I define the entire experience as fraudulent and misleading. There is no reason that I have not had any of this forgiven or made a much larger dent into my student loans. At this pace, I will pay off my house, a much larger loan, in a faster amount of time than my student loan. I have been dumping money into a bucket with no end in sight. I believe I am entitled to a reduction in my student loan number. Not because I do n't want to pay it back and do the right thing. I took the loan, I owe the money. I believe I am entitled to a reduction because I have been taken for a ride for the last eight years and my student loan has not been reduced. I have been mislead and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need my bank info updated as soon as I make a transaction so my XXXX XXXX is up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
This company stated in response to my dispute on  XXXX  -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.

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 2017-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Between  XXXX   XXXX ,  2017  and  XXXX   XXXX  a collection was added to my account with no written notice that this account would be added.     Per law  15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation