vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.

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 2017-11-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to all three credit bureaus asking them correct errors that appeared on my credit report. Both XXXX and XXXX XXXX responded promptly, by mailing me corrected credit reports. Unfortunately, I have not yet received anything in the mail from Equifax. I am starting to be concerned because it has been almost two months since I mailed the request, and they were supposed to respond within 30 days like XXXX XXXX and XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: IA

Complaint narrative:
On XXXX XXXX XXXX I made my mortgage payment to XXXX in the full amount for XXXX payment. While it was after the XXXX, I acknowledged the late fee, however my report is reflecting a 30 day late. Experian refuses to update my credit report accurately even after disputing the information and providing documentation to prove on time payment. They opened an investigation on XXXX XXXX, XXXX after I reviewed my payment history and found that the payment information was incorrect. On XXXX XXXX, XXXX I received an email from Experian indicating my dispute results were ready. 

After reviewing my updated credit report, I found that the information had not been updated and Experian added a personal statement from myself stating " Completed investigation of FCRA dispute - consumer disagrees which was not approved by me. 

What is most troubling is that I submitted PROOF of on time payment and still the credit agency declined to update my credit report on top of adding a statement that is FALSE. I contacted my loan servicer on XXXX/XXXX/XXXX and they confirmed over the phone that they have been reporting on time payment for XXXX XXXX. They indicated that Experian did n't confirm the late payment information but only made a general request confirming that the reported information was correct which my servicer indicates they were reporting accurately the whole time. Experian should not be able to close an investigation with incorrect reporting when documentation is provided that proves otherwise. 

Experian has closed their investigation with incorrect information. XXXX, my servicer indicates they are n't reporting a late payment. I have submitted a credit report to my loan servicer, but need further assistance in getting this resolved as the credit reporting agency has closed my dispute and I ca n't dispute the same payment over again.

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 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX noticed unauthorized charges to Wells Fargo account. I called local police and have incident number. Officer 's report state account was closed in XXXX. I was told WELLS FARGO would take care of matters relating to this 8 year late notification with my name and incorrect address. I do not know this ID THIEF. 

Wells Fargo did nothing to help me. I never received any mail regarding unauthorized use of my name/ssn/address. The IDENTITY thief 's name was on all my credit reports with current debt collection agencies attempting to collect in my name. I 'm too old for XXXX nonsense. 

Wells Fargo did not follow legal procedures for additional account holders. No verification of ID or signature or presence in the bank. I would never authorize this thief. He continues to use my information which I 'm trying to clear from my credit reports. 
Wells Fargo took care of itself. Not the customer. I closed my account with them yesterday. Goodbye to them. Additionally, we called XXXX XXXX to place a fraud alert for XXXX XXXX and XXXX XXXX XXXX  Wells Fargo did not block them and we can not access them online or phone, long wait times and we do n't have accounts. XXXX XXXX transferred us to Wells Fargo Fraud, transferred us to Fraud Detection, THEY WERE THE RUDEST people we have had to consult with to resolve this matter. 

Additionally I have identity fraud for XXXX, XXXX and XXXX XXXX XXXX on my credit cards. Do these companies report to Credit bureaus? WELLS FARGO says I 'm guilty when they have no proof when I ask them to reverse the charges. I do n't have time for XXXX or XXXX. We notified the police about the skimmers at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, XXXX, CO. 

Something has to be done about these XXXX. This is very time consuming and disruptive to me and my family and work.

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 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!

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 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
Opened a home equity line of credit w US Bank, upon trying to pay off and close out the loan, sell current property and purchase another property, the title company requires a freeze/block on the line of credit. US Bank has made it XXXX XXXX impossible to block/freeze the line. I have been on the phone w customer service every day since XXXX it is now XXXX and each time the agents tell you that it will be another two days, the process is a nightmare, no one will tell you their name, you get another name and another transfer- or get hung up on- it stems from the process the agent customer service XXXX and the XXXX back office not doing what they said they are going to do. I have spent XXXX on overnight packages, spent at least 20 hours on hold or on the phone with this and now two properties will not close if this is not rectified TODAY. ( 2 families will be HOMELESS all because of US Bank 's inability/ unwillingness to do what they say they are going to do ). As I type this I have been on hold for over 30 minutes- and have made 3 phone calls back to the manager who promised she 'd call me today to confirm- only to get voice mail! DO NOT use US BANK! the consumer is powerless. I was told by a manager yesterday after another day of waiting on the US bank process that I  would have a fax evidence of the block and she would call me to confirm this morning. I 'm being held hostage by agents, managers, XXXX back office and their process! I am concerned now that I am speaking to yet ANOTHER agent at least 10 so far that they will hit another button to push back the process again.

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 2017-11-08 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: NY

Complaint narrative:
I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

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 2017-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX  interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail.  On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX  online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: NY

Complaint narrative:
Over the last five years, I have received a lot of misinformation from Navient regarding my loan repayment. Initially, when I would request information about income sensitive repayment or forgiveness they would instead suggest deferment and forbearance. Which added years to my loan and thousands of dollars. Once finally entered into these programs I have been given consistently changing information about my status, sometimes I am told, like when I called in XXXX, that I needed to refinance completely, sometimes I am told I am part of the program, other times the dates of forgiveness are different. I have been told both 20 and 25 years, then after being in the program for 15 months that I do not qualify at all and will need to refinance. 

Much of their staff is from the XXXX and have no experience with American student loans, other times like this past XXXX the person is an American and still give totally inaccurate information. In the end, my student loans are already over twenty years old, the income sensitive and 25 year and 20 year forgiveness programs have existed since XXXX yet time and again staff has discouraged my entrance, telling me my loans where not qualified and once entered in XXXX that I was no longer a participant or was never part of loan forgiveness. This misinformation has kept me from a forgiveness program that I was qualified for all while adding thousands to my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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:
I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.

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 2017-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation

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 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. 

They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.

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