vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: NH

Complaint narrative:
On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: NY

Complaint narrative:
With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.

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 2017-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Charges made without my knowledge.

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 2017-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Company is Wells Fargo Bank in Maryland I called on XX/XX/XXXX to see if Wells Fargo could assist me with a problem I am having with a debit payment to a XXXX. The XXXX harmed me and did not provide the service I paid up front in full for with cash. They said they could reverse the payment and run an investigation. PAID - XXXX XXXX XXXX CLAIM- XX/XX/XXXX Money reversed around XX/XX/XXXX Money taken back out of my checking account XX/XX/XXXX Wells Fargo did not follow the procedures that are in place in handling a claim There was no letter mailed to me There was NO communication of any kind to me about the status of the issue I called about a month later and was told the XXXX has only a total of 45 days to respond and if there is no response the money remains mine. It was close to 45 days so I just let it go and waited. I did not receive any further communication and after 45 days, as I was told, understood the claim to be closed. Suddenly with out any warning, I receive a call about 2 1/2 months later at XXXX telling me the XXXX  sent in a response and the claim is open and never was closed. Of course, I was upset. At that time, XX/XX/XXXX, I requested all documents to be mailed to me for review. I was told that it is not allowed until the claim is closed. I informed the rep than how am I suppose to review and see what is going on? The call ended there because I could not get any answers or help. On XX/XX/XXXX I went out to dinner and tried to pay. This is how I found out my checking account was severely over drawn an amount of {$970.00}. Wells Fargo did NOT mail me any letter nor informed me at all about reversing the claim. This has caused me great suffering. I am in financial hardship. I have no money for food, gas, pay my mortgage and bills, nothing. I have been unemployed for 3 years and was surviving till I start my XXXX job XX/XX/XXXXafter 3 years. This is making me very ill and stressed out. I have made a plethora of calls all day for 7 days now and went into branches trying to get help with this matter. NO ONE CARES AND NO ONE HELPS. Wells Fargo continues now to send me over draft notices and threats they are going to charge it off, ruin my credit and report it to XXXX. Incredible. They will not listen to reason nor negotiate this and discuss it. They are bullying me. This is not ethical to do this and impoverish someone such as this. Please help me. I have until XX/XX/XXXX till this is written off and it further destroys me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/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 2017-08-10 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 have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. Owner has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing distress as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: FL

Complaint narrative:
Hello so in summer XX/XX/XXXXand again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I know for a FACT it is illegal for an item to be added back to my credit report without you getting written notification 5 days prior to it appearing. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They declined and stated they will remain. I advised them the inquiries was n't authorized anyways and I been informed them of this so when they were deleted I thought they finally listened but for some reason they just came back. Can you please REMOVED ALL THE INQUIRIES BELOW because I this is n't fair at all. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2017-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
They have claimed that I owe {$120.00} but each time when I visited for XXXX I got charged and I paid for it so all paid in full ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
I disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: DC

Complaint narrative:
This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Payment made on XXXX XXXX, 2017 to my wells fargo credit card .... the money was taken out of my checking account and is now being held for 15 days and I am sure I am not the only customer, so it seems as though they are using these payment holds to profit off their customers. I was on the phone for over a half hour attempting to get this resolved and was advised I could not be helped and that no departments that I needed to communicate with would be open for up to 4 hours and it was XXXX EST.. I had a deadline to make a particular payment, sent the funds to the card to benefit from the rewards and was declined.

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 2017-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX  XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

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 2017-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

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 2017-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I took out a refinance loan from XXXX XXXX XXXX ( XXXX ) to pay off two of five of my federal direct student loans serviced by Navient. The loan was funded on XX/XX/XXXX, and Navient indicates the payment was processed on XX/XX/XXXX. The payment from XXXX to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX. I called XXXX to confirm the payment was sent to Navient with those instructions on XX/XX/XXXX, and they confirmed this. I called Navient to rectify this on XX/XX/XXXX, and they claimed they would now apply the payment to the correct loans. The payment was applied to the correct loans, loans XXXX and XXXX were considered fully paid off as of XX/XX/XXXX, and a refund of {$110.00} was issued to me for the amount of the principal my normal monthly payment reduced the refinanced loans by. Loan XXXX is now currently showing a balance of {$79.00}, and {$26.00} of my XX/XX/XXXX payment was applied to loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

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 2017-08-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There was a computer glitch that was TransUnions problem- not mine- caused my inquires to be deleted. Transunion later on added them all back to my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have called numerous times ( 5 times a week ) since XXXX XXXX 2017 to get the hard inquires off my credit that were added back on. These inquires add a hardship and my right were violated by Transunion. Please help stop Transunion victimizing me

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 2017-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/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 2017-08-10 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: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Portfolio Group
State: AL

Complaint narrative:
I have received threatening phone calls stating that legal action will be taken against me. I have no idea what payday loan the Rep is referring to, I have n't applied for such a loan in several years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation