vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX  credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pingora Holdings, LP
State: CA

Complaint narrative:
My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime inXX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally onXX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX does not follow the legal preoceedures, but rather has its own timeline during the foreclosure review process. OnXX/XX/XXXX, I  was so furious about the delay and misinformation, talked to an employee, who could not explain what was going on, even after consulting with their supervisor. I followed up with XXXX on XX/XX/XXXX, the loan counselor rep informed me that, " on XX/XX/XXXX,  which is 30 days later from when my file was deemed complete, they sent my file to underwriting. '' Meanwhile, I had scheduled a foreclosure trustee sale forXX/XX/XXXX. During the review process time to this day, my home has been scheduled for an active auction sale and marketed by XXXX 's attorneys - XXXX XXXX XXXX XXXX XXXX XXXX, who are also not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with starting bid instructions of {$500000.00} as a minimum bid. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date supposedly. Thereafter, I continued to follow up on my loan file periodicaly. Each time I was told that my loan file is with the underwriter. OnXX/XX/XXXX, the loan counselor informed me that, " they have 30 days from XX/XX/XXXX when the file was sent to the underwriter. It gets more interesting on XX/XX/XXXX, I recieved a one page decline letter dated XX/XX/XXXX ( as attached ). TodayXX/XX/XXXX, I followed up on status with XXXX counselor rep ( XXXX XXXX employee ID # XXXX ) who informed me that back on XX/XX/XXXX a  five page decline letter was sent out to me. Whatever is told to me, has often been different. She also added that, I have 2 weeks to appeal from the date of that letter, which time period has also passed on by now. During the review process, I have also had toprove that, I live in a multi family property of 4 units. At that time, I questioned the level of the underwriter 's competency. But again thereis not a way to escalate issues within the XXXX organization. I have also attached copy of theXX/XX/XXXX reinstatment statement from XXXX 's attorneys. Claiming all sorts of fees that are non applicable. My file should have been on Hold while i 'm in possible retention review. Aslo fees associated with the frequent mailings that they never sent out to us. Looks like XXXX is setting me to fail on this Home retention, which I will not. I provide shelter for numbe people and I 'm seeking justice in these mal practice matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
<P/>
In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX , I entered a 60 month lease agreement with Wells Fargo Auto Lease Exchange on a   XXXX   XXXX   XXXX    Never late on payments. Lease end date was scheduled  XX/XX/XXXX . My last payment direct to WF was XX/XX/XXXX  On  XX/XX/XXXX , my auto insurance paid off the book value of the vehicle after I encountered an accident due to an ice storm.. insurance claim paid WF full amount of their payoff request   XXXX    plus the   XXXX   I had already paid in 60 months of lease. Now, Wells Fargo is reporting me as a charged off credit card fo {$25000.00} on   XXXX   as of today and. Charged off installment loan for {$25000.00} on  XXXX  as of today! The company that I leased from on XX/XX/XXXX  called WF Lease Exchange and have been out of business for years! Wells Fargo Bank is reporting these fraudulent damages to the bureaus which has prevented me from getting an auto loan for more than 5 years now after I paid the lease agreement terms on time fr om  XXXX  to   XXXX  and they were paid the deficit of the vehicle value by my insurance company! Total they were paid over 35,000.00 for a   XXXX   XXXX   XXXX  r in less than 5 years and have been reporting charge off and passed due credit card installment accounts since  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 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
This company Professional Debt Mediation contacted me today about an account that I am not responsible for. The guy whom I spoke with was very rude and very unprofessional. I tired to explain to him that the property   XXXX   XXXX   I never stayed in. However, I did apply but my credit was never ran and the property manager   XXXX   XXXX   advised me that I had nothing to worry about because he did n't run my credit and asked that I paid him {$390.00} under the table in order for him to approve my application without running my credit. So, today I get a call about an unpaid balance of {$1500.00} that I know I do n't owe. I advised the guy to cease and desist he still proceeds to collect information. I called back to get the company name and some guy refused to tell me the name other than PDM, I asked several times the meaning he refused and hung up on me, unprofessional. I will be seeking an attorney, and I will file a suit against Professional Debt Mediation along with   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 2017-05-30 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: IL

Complaint narrative:
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.

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 2017-05-30 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: IL

Complaint narrative:
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my report.

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 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
XXXX/XXXX/17 -- Called Bank of America ( after receiving MANY calls -- -at least 3x per day and a letter in the mail ) to negotiate the debt I owed. Told the customer service agent that I only wanted to be contacted via written communication and no more calls. They wanted to negotiate MY debt based on my fiance 's income which I said no. They pushed for me to provide information on his social security number as well as income. I still said no. They sent my call to an agency that works to negotiate debts down and I had to speak to them even though I did n't want to. I declined their offer also. Since that call I have received COUNTLESS calls per day from Bank of America including voicemails. The two most recent have been XXXX XXXX at XXXX ( voicemail left ) as well as XXXX XXXX at XXXX ( voicemail left ). They also call at inconvenient hours which are disruptive to my life.

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 2017-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop this!

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 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term  for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In  XXXX     2017  Navient was notified by the Department of Education that I am a  XXXX   XXXX   XXXX  and in school deferment status. As such, there should be no student loan deductions. Navient continued making deductions from my bank account in spite of my status. In  XXXX  and  XXXX  {$270.00} was deducted from my bank account. In  XXXX  and  XXXX  there was insufficient funds in the account so the bank charged NSF fees. To date there is a total of {$200.00} fees incurred as a result of  Navient  's actions : {$34.00} fees in  XXXX  and {$170.00} fees in  XXXX ,  2017 . I contacted Navient on  XXXX   XXXX  about the matter. A customer advocate returned my call on  XXXX   XXXX . I was told that the refund was approved on  XXXX   XXXX . In response to repeated calls following up on the matter, I was told that the refunds were being processed. I was told to submit the bank statements showing the fees that were incurred. I did as requested. On  XXXX   XXXX  I was told that the request for the refund was resubmitted and wi thin 3 to 5 b usiness days I would see the refund in my bank account. A call today,  XXXX   XXXX , I was told that the refund was on hold. The customer advocate said that she will resubmit the request for the refund.  <P/> 
Navient wrongfully continued to try to withdraw money from my bank account. Even if it was a system glitch, Navient 's   actions between  XXXX   XXXX  and  XXXX   XXXX  leaves no doubt in my mind that there is a clear lack of care for the student. There is a refusal to correct the error. Also when they found a reason to stop the process no one contacted me to let me know that there is a change from what I was last told. This lack of communication is disrespectful and lacks basic customer care.  <P/> Students need to be vigilant especially when there is direct debit in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: TN

Complaint narrative:
I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   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