vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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: NC

Complaint narrative:
I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 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: FL

Complaint narrative:
I have submitted a complaint to the department of education and they replied that they do not handle private loans, my problem is the federal loans, not the private loans. Navient will not work with me to lower the payment to get it up to date. XXXX I called, the female on the other line said she could charge a {$150.00} fee to put my account in forbearance ( my payment is {$130.00} ). She then said to make the payment of {$130.00} and she would help me to lower the payment. At this time I had maybe {$3.00} in my account. She drilled me about my expenses which was an invasion of my privacy and made me uncomfortable. She gave me no options to help me and told me to contact the department of education. After this conversation my credit went down from great to fair because of navient, stating I was 60 days overdue. I got an email from a XXXX XXXX that he was looking over my account XX/XX/XXXX and never heard back, I called XX/XX/XXXX to try to work something out again with no luck. I was told that this XXXX XXXX would contact me next week sometime. I am frustrated and dont want them to affect my credit, it should have never been reported to begin with. This company is a bunch of crooks and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
It is ashame to see that after Mr. Trump deregulations the banks immediately jump to increase their profits by unfair polycies : US Bank is sending notifications that starting XX/XX/XXXX they will charge {$25.00} ( rounded ) to checking accounts if clients do not maintain {$25000.00} in deposit or balance in credits with them. Is this the intention of Mr. Trump polycies? Can CFPB do something about 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 2018-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase.

The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. 
On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. 
Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX. 

Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # 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 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
FAIR COLLECTIONS & OUT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I WANT A COPY OF FAIR COLLECTION AGREEMENT/CONTRACT WITH MY SIGNATURE. 



I HAVE ASKED IN 4 SEPARATE CERTIFIED LETTERS TO XXXX FOR SIGNED CONTRACTS/AGREEMENTS FROM THIS COMPANY SHOWING THEY HAVE A CONTRACT WITH ME FOR SUCH DEBT. I CAN'T GET XXXX TO COOPERATE AND FORWARD. LEGALLY THEY ARE IN VIOLATION OF MY RIGHTS TO SUCH COMMUNICATIONS AND DOCUMENTS. 

WILL BE FILING A LAWSUIT FOR THIS INFORMATION AND TO RECOVER LEGAL FEES INCURRED DUE TO THEIR NEGLIGENCE CC ; LEGAL FILE

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 2018-04-27 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: AES/PHEAA
State: CA

Complaint narrative:
XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: AZ

Complaint narrative:
Disputed inaccurate information as told by the collection agency. Collection agency and original creditor sent me a letter to forward to Experian to have the inaccuracy removed. Upon receiving I started a dispute and uploaded documents provided to have the collection removed from my credit report. I received a letter from Experian telling me that even though they received that documentation they still WILL NOT remove it. No contact phone number to talk to someone about this issue at Experian.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA
State: TX

Complaint narrative:
I had consolidated my loans to XXXX. Mid- XX/XX/XXXX I was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Ok so I moved to the US to study in XX/XX/XXXX. By XX/XX/XXXX I got my first apartment and I hired XXXX XXXX XXXX to give me internet services. Since at the time I was on a student visa, I didn't have a Social Security number so I opened that account just with my personal info and passport number. 

I left that apartment by XX/XX/XXXX and I called XXXX XXXX XXXX to cancel my account. Since I was using my own modem and router, they didn't even have to come to the apartment to pick up their equipment, they just cancelled my account through the phone. And obviously, I paid the remaining balance in FULL ( for which I have a credit card statement that proves so ). 

Therefore, it is completely out of proportion, and mistaken that I have a negative remark on my credit report because of this Debt collection. It is not only inaccurate, it is messed up to harm me score and credit in this way. I feel terribly wronged and I want to get to the last resort to make this stop and change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: MS

Complaint narrative:
XXXX XXXX incorrectly reported a 30 day late on my credit report due to technical error on their tech side. After documents and several dispute processes, all reporting agencies except Transunion have removed inaccurate reporting. I attempted to contact Transunion on multiple occasions only to hear every single time they are experiencing extremely high call volume. After a long wait,,,,, their call center is in XXXX with people that I can not understand! I opted to take part in a brief survey, big joke. No real survey. Survey company never contacted me. This horrible company is controlling my interest rates and loan approvals???? REALLY!!! NO!!! This must stop!

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I received a statement with a remaining promotional balance of {$290.00} and I paid the account off in full. Before the payment was applied I made a purchase of {$42.00}. On my next statement I received a notice that my promotional balance of {$42.00} would expire soon and I would be charged {$2200.00} of deferred interest. The way the payments were applied makes it impossible to pay off the promotional balance if I continued to use the card.

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 2018-04-27 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: CT

Complaint narrative:
I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XXXX XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with WF. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per Wells Fargo request I have opened disputes with the credit reporting agency and last night I received an e-mail from XXXX stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND SBA loan of XXXX that was supposed to close 3 weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
I submitted a loss mitigation request back on XX/XX/2018. I never knew I had those options and was able to find help from a local law office who guided me in the right direction. Pacific Union never reached out to me to offer any assistance to avoid the foreclosure. When calling to follow up with the request, I am being told that it will not be reviewed because it was not received 30 days before the sale date and there is no time. The documents were submitted on XX/XX/XXXX, the sale is not until XX/XX/XXXX that is almost a month so the fact that they said they have no time is an excuse to just ignore my request and offer me no help at all. To this date, the have failed to provide me with alternative options and just want to sell my home with no remorse. I feel as though all my rights have been violated and I am being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a car loan with Bank of America that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.

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