vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I try and get a lower payment for my student loans it always end up being over 200.00 a month when I have no job and XXXX children its seems even if I go into Forbearance its only a couple of months and my payments after are like XXXX I tell them I can only make a payment of XXXX dollars a month they tell me thats no sufficient even when I was XXXX on ssi and ssa they still would not lower payments now my loans has incurred 8 years worth of interest because they would not work with me and my low income

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called Customer service and spoke with a represitative and a supervisor at Transunion and they would not help take care of the negative inquiries reported on my credit report they were very dismissive and rude.

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 2018-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is reporting, consumer dispute 90 days late /closed. Instead of paid off.

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery has yet again reported false information to the credit bureaus. They gave XXXX 4 new accounts and my score dropped 50 points. They did not provide any proof to XXXX that these accounts are mine. 

I contacted CFPB regarding Portfolio Recovery a few months back. They were reporting false information and has never closed the claim. When I called them about the 4 new accounts they stated that the original debt that I appealed is still open. They never provided solid proof for the first account. 

I would like to request again that they submit all documents with my signature for me to review. They continue to ruin my credit with no evidence and continue to get away with this. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am being charged by XXXX XXXX XXXX XXXX for services I never received. My coverage was supposed to be canceled XX/XX/2014. XXXX is stating that they canceled me on XX/XX/2014. I never reported any claims or received any services from XXXX to XXXX. I was under the assumption that my coverage was canceled since XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: MN

Complaint narrative:
On XX/XX/18 an extra payment of {$200.00} was submitted online towards my unsubsidized direct loan. With the payment was written directions to aliquot that payment as an extra payment and not a future payment to any of the loans. When my auto payment was made, the amount paid towards that loan was not the agreed upon scheduled amount of {$28.00}. Instead a total of {$6.00} was paid, {$2.00} towards the principal and {$4.00} towards the interest. When I emailed them to get this corrected they just sent me directions on how to set up auto pay. I already have auto pay in place. I called, waited on hold for 45 min with out talking to a rep. This occurs every time I make an extra payment. This means I am paying more interest on this loan because of this. Naviet is not here to help us pay off our student loans, they are XXXX  us every chance they get. In addition, I see the amount gets subtracted from my bank account, and then is not actually posted to my account for days after, and then gets back dated in the Navient history to match when the money was withdrawn to my account. I do not know if that interest occurred during that time of not showing the posted payment because they don't show when interest is added. I just manually figure it out each month, when I subtract what has been paid by the amount that was there last month. My balance on Navient does not match the balance amount on NSLDS ( National Student Loan Data System ). My naviet account shows I owe {$16000.00} and my NSLDS shows a balance of {$16000.00}. Why is there a discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I currently bank with Navy Federal Credit Union. I recently made a deposit of {$3500.00} that my brother loaned me. This check was to help me pay some bills that I am behind on. Navy Federal has frozen my accounts and locked me out of my account. Furthermore, they withdrew funds from my daughter 's account to back pay some of my bills without my consent or my daughter 's consent. When I called to speak to a representative, I felt they made threats to me about canceling my accounts and me not being able to bank with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2018, I mistakenly paid my PayPal Credit account the amount of {$1900.00} through my bank 's bill payer. This payment should have went to my Mortgage company. I did not realize that this was done until I received a letter from the mortgage company on XX/XX/2018. I contacted the bank and they advised me that the check was cashed and funds were removed from my account. I called PayPal credit and advised them of the situation, they advised me that a refund check would be mailed to me that day. I have spoke to this company multiple times and seem to keep getting no where with them. The account had XXXX balance on it, so the credit has no bearing on any charges on the account. I advised them that its my mortgage payment and my credit is affected by this and late fees are being added. Nothing seems to be helping.

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 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: AL

Complaint narrative:
I enrolled then 2 weeks in I decided to drop the classes I was taking and withdraw. I was told by XXXX University that since I didn't complete the course I was under no obligation to repay the loan. I also was lead to believe I was getting a federal grant that I would not have to repay. I stressed this to the financial aid office due to me being on XXXX and knowing I wouldn't be able to pay back any type of loan. I was told I wouldn't have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: CA

Complaint narrative:
I applied to re-finance my home in XX/XX/2018 with 360 Mortgage- since they were my current mortgage I though the process would be easier. The initial process went very smooth -- our application was approved and all documents were signed -- the appraisal ( which raised some eyebrows was {$700.00} ) which is not industry standard but we agreed. 5 days before we were about to close I received a call from the underwriter stating that she denied the new loan due but could state why. 20 days later I was informed my loan was sold to XXXX XXXX. I would like the money paid for the appraisal as the selling of my loan should have been noticed beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several Business funding capitals that have unlawfully drawn my credit report without my promission, I just want fair credit reporting and scores updated as well

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 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
During XX/XX/XXXX I filed a Chapter XXXX filing in Federal Court. On my filing I reconfirmed my mortgage at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OHIO XXXX with Bank of America account number # XXXX. My wife XXXX XXXX who is also on the mortgage and deed did not file with me. We worked with the CFPB during this process and had our mortgage was modified and final approvals from BOA and XXXXXXXX XXXX coming during XX/XX/XXXX. At this time we signed and returned documents back to BOA that included updated XXXX XXXX Ohio mortgage deed papers to be filed in the County with both of our names on this updated deed document. 
We are now approved for a new mortgage with a bank/2nd home in Florida this year and the new bank after reviewing the BOA mortgage documents from our OHIO property mentioned to us that BOA says on the monthly documents that our OHIO property according to their documents is still subject to the Bankruptcy court and the property was not re-affirmed by me/us. 
I called this week XX/XX/XXXX and talked with XXXX employee # XXXX BOA and she told me that BOA does not have me re-affirming the loan on my Chapter XXXX filing and that we are just " renting '' the house from BOA. Pretty surprising that BOA not only has the Chapter XXXX filing documents that recieved from the court wrong in their database but that they don't even show our mortgage was modified them and this re-finance included new county ownership documents that were filed by BOA. 
After the Great Recession and the thousands of home owners that worked with the CFPB and modified their mortgages I wonder how may other consumers have the same incorrect paperwork on file at BOA????

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 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: TX

Complaint narrative:
I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext 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 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I am filing this complaint becasue Diversified Consultant Inc is attempting to collect a deby they are not legally able to collect and have reported it illegally to my credit report. I sent this company a letter asking for VALIDATION or PROOF that I ever signed a binding contract with them, but they responded with a letter stating that they validated the account with XXXX. Legally, my contract would be with XXXX and not Diversified Consulatnats Inc, and per FCRA, they are obligated to remove their negative account from my credit report. I will be sending a second letter fiving them another chance to properly validate this account with me and not with their third party client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
As of XX/XX/2018 Rise Credit has already waived the loan, however my credit report shows Rise Credit 30days past due which brought my score down 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian charged me a monthly fee for over 8 months ( {$21.00} ) for a service I didn't request. They claim that I gave them authorization to charge my credit card monthly, after signing up for a {$1.00} promotion on XX/XX/2017. If I didn't cancel the promotion within 7 days they started charging me the full monthly amount. I never received updates via email letting me know how my credit was doing so I wasn't aware I was being charged. Yesterday, XX/XX/XXXX, I looked at my credit card statement and noticed a pending charge of {$21.00} from Experian. I went back to see how long this charge has been hitting my account. I saw monthly charges starting in XX/XX/2017, and realized that they'd been charging me monthly since then- that's over 8 months! I did not authorize these payments - the only charge I authorized was for {$1.00} back on XX/XX/2017. 
When I finally got through to an Experian customer service rep, they said they could only refund the current month 's charges - XX/XX/2017.  They said that by authorizing the {$1.00} promotion, if not canceled within 7 days, they would continue a monthly charge of {$21.00} to my credit card. 
I'm disturbed by this practice, along with the fact that to cancel the membership I had to input my social security number on the telephone, instead of asking for an account number as a reference. I feel taken advantage of financially, and am angry about their lack of transparency and communication. It just felt sneaky and predatory.

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX, I could not access my account at XXXX XXXX to make a payment. I contacted Customer Service ( CS ) and reported inability to access account and they informed me that a payment had been made leaving my account in a credit balance. I informed them that I had not made that payment and close the account immediately. Gave them my information and was told fraud investigation was being initiated. I later found out that XXXX XXXX accepted the payment which cleared and they opened another account and crooks had access to my account. After many calls, I was finally given a password in XXXX by CS who was sensitive to my aggravation. After that I was in contact with Mrs. XXXX who told me she was sorry and I told her I had not been able to access my account and I was receiving correspondence via email of the changes on my account and they ghad been sending my cards to persons in Fla. No one bothered to close the accounbt in XXXX. Crooks had access to my account, got credit increases and the whole personality of my account changed as I later found out via Mrs. XXXX butr XXXX XXXX kept changing cards and mailing them to everyone but me. My initial credit card was in my possession during these times. XXXX XXXX cleared off some interest and charges but told me I was responsible for XXXX. They accepted the funds received from crooks and yet they were charging me. They got over like a fat rat and I am not paying. I filed a police report on XXXX XXXX after speaking with XXXX XXXX. Report # XXXX XXXX, Ohio police dept. This is a hot mess and I am XXXX years old and now theyt charged off account and gave to collection agency. I told collection agency take me to court and I got all the info for the judge and I am not paying a XXXX dime - ever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: PNC Bank N.A.
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Sequium solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( debit collections ) On XX/XX/18 tried calling no answer just a message service, on XX/XX/18 I tried to challenge it on line through XXXX credit and gotten a email back saying it was valid and it's not

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