vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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:
In XX/XX/XXXX I applied to have my student loans discharged due to the fact that I am XXXX percent XXXX veteran XXXX acting on Behalf of the DOE sent me a letter dated XXXX XX/XX/XXXX acknowledging receipt of my application along with the list of student loans that I had that were eligible for discharge. 

On XX/XX/XXXX I received a letter from XXXX which stated that all of my loans were discharged listing the the same loans that were in the letter dated XXXX XX/XX/XXXX On XX/XX/XXXX I received a letter from NAVIENT which stated that my loans were discharged. However the list of loans in the letter were different to the list of Loans That XXXX had advised me were XXXX. I contacted Navient on XX/XX/XXXX about the discrepancy. Navient informed me in writing that : The XXXX loans I had on file reflecting in an ln-School Deferment is currently being processed, and awaiting discharge from the Guarantor of the loan. 
On XXXX XXXX I contacted NAVIENT to find out about the status of the loans that were showing in school deferment that should have been discharged. They responded that : As of today 's date which was XXXX XX/XX/XXXX we have not received the funds from the Department of Education to pay in full your Federal Consolidation Loans XXXX and XXXX, due to yourTotal and Permanent XXXX Claim. I contacted XXXX on XXXX XX/XX/XXXX and notified them what I was told by NAVIENT. XXXX Responded on XXXX XX/XX/XXXX, stating : The Total and Permanent XXXX Servicer only handles processing the application. Once it is approved, your loan holder is responsible for discharging the Federal Student Loans, reporting to the credit bureaus, and issuing any eligible refunds for paymentsmade on or after XX/XX/XXXX. 
For specific questions regarding the discharge, please contact your loan holder, Navient XXXX. XXXX. I am getting pushed around by NAVIENT and these loans are on my credit report is affecting my credit to income ratio due and credit score due to the fact I am trying to refinance my VA XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I went in for a doctors appointment on XX/XX/2014 I paid {$170.00} which was my co-pay plus I paid a {$20.00} co-pay and then I put another {$27.00} co-pay my insurance paid {$270.00} they are saying that we still owe {$270.00} they refused to take this off of my credit report and when I try to call they are rude and wont listen to what I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I mail Lexis Nexis a certified letter on XX/XX/2018 and it has been 30 days and no respond for the information that I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the Credit Bureau on XXXX XXXX 2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/18 the company was initially contacted at XXXX XXXX and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX . This is fraud and unacceptable.

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 2018-04-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
As of XX/XX/2018 On the XXXX XXXX Website it states that I have a closed account with XXXX XXXX XXXX   / XXXX XXXX. However, I use the account frequently still till this day and the account is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
XXXX dollars reported owed to company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
- Opened dispute with Citi on XX/XX/XXXX for a transaction of {$3100.00} with XXXX XXXX on XX/XX/XXXX. 

- Vendor performed work on my car including putting on new brakes, rotors, wheels, wheel spacers, and tires. Vendor damaged my radiator during repair process and refused liability. Radiator caused car to overheat and had to be towed to be fixed. Three days after receiving car from vendor front passenger side wheel and tire came off on highway. Causing serious damage to car in excess of {$15000.00} and eliminating all trust in the work done by vendor. 

- Retained an attorney to open a successful lawsuit against XXXX XXXX for damages caused to car, not including original purchase amount. 

- Sent Citi all insurance information from accident, repair bills, and lawsuit information to dispute the original charge from vendor.

- Vendor responded with a fax of a invoice, and Citi closed the dispute with no refund issued. 

- Retained attorneyXX/XX/18 on to demand that Citi refute these charges from vendor and reimburse me the complete amount of {$3100.00} and provided additional evidence from 3rd party XXXX XXXX and XXXX XXXX used in lawsuit to prove vendor fault. 

- Citi closed dispute with no action taken on XX/XX/18 with the following response : " We no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed ''.

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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I have been trying to access my account online since XX/XX/XXXX/XX/XX/XXXX. I have made numerous calls and have been hung up on. When I call I am asked to verify my information and once I do the CSR reads the notes and either tells me there is no update and I will get a call once there is. Or they will transfer me to tech support, who tells me my online account is still not fixed and they will call me when it is. Today during a call someone named XXXX who claimed to be a senior customer service rep hung up on me. I just want to access my information. I also asked for the transcripts of all of my calls and was told I do not know how to get those for you, here is a mailing address that might help you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.

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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: AZ

Complaint narrative:
I AM IN THE PROCESS OF A HOME PURCHASE AND APPLIED FOR A HOME LOAN WITH XXXX XXXX XXXX. I JUST RECEIVED A CALL FROM XXXX XXXX FROM SUPREME LENDING XXXX AND XXXX STATING THAT I NEEDED TO PROVIDE ALL MY INFORMATION AGAIN BECAUSE I WAS IN THE PROCESS OF FINANCING AND NEEDED TO VERIFY ALL DOCUMENTS AGAIN AND WOULD NOT CLOSE ON TIME IF I DID NOT PROVIDE. I INFORMED HIM I HAD ALREADY PROVIDED ALL TO MY LOAN OFFICER AND HE SAID YES BUT WE ARE STILL MISSING A LOT OF INFORMATION AND NEED TO PROVIDE MORE DOCUMENTS. AFTER I HANG UP I CALLED MY LOAN OFFICER FROM XXXX XXXX  NOT KNOWING THE OTHER PERSON WAS NOT FROM THE SAME COMPANY BUT RATHER HAD A SIMILAR NAME AND ALREADY GAVE HIM ALL MY INFORMATION OVER THE PHONE AGAIN IN ORDER TO AVOID DELAYS AS HE SAID. I HAVE BEEN A VICTIM OF FRAUD AND THIS PERSON XXXX XXXX FROM SUPREME LENDING NOW HAS ALL MY PERSONAL TO INCLUDE SOCIAL SECURITY, DOB AND WORK HISTORY. I COULD NOT FIND ANYTHING ON THE NATIONAL REGISTRY FOR XXXX XXXX SO HE MAY NOT EVEN BE REGISTER AS A LOAN OFFICER BUT HE SAID HE IS AND WORKS FOR SUPREME LENDING IN XXXX. SINCERELY XXXX AND 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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax credit score is 100 points lower than the other 2 credit bureaus. This can't be Please correct or explain logic to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
this account does not belong to me. this account belongs to my ex husband or possibly identity theft. i have attempted to dispute this multiple times and the company has been extremely uncooperative. i would like this account deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I had an equity line of credit with Citizens Bank of Rhode Island. This line of credit expired last week XX/XX/18. On XX/XX/18 I received a letter telling me to pay a {$180.00} " discharge fee ''. They further went on and said that if I don't pay this fee they will not close my account AND they will not release the lien on my house, even though I have a XXXX balance and I owed them nothing. ( see attached letter ). 

I tried calling the " Customer Service '' number provided in this letter and its a joke. This number was strictly for making a payment. So I could not talk to a person regarding this situation. 

Furthermore, the " discharge fee '' was not listed in our contract. They just popped that one on me. That is highly unethical. Reading complaints against Ciltilzens Bank there has been the same issue with other customers so this is an ongoing issue. Are they targeting Seniors because Seniors are less inclined to dispute this charge? 

So, in essence, they did a paper version of " ransomware '' on me by trying to extort {$180.00} from me. At this point, I can not get another loan and I can not use my credit to get another loan. Like ransomware, I can not access and enjoy my intellectual property ( credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX pickup truck listed for sale on XXXX on central Michigan website. Asking price of {$20000.00} I answered the ad and was in contact with the seller XXXX XXXX from XXXX XXXX, NE. She said she was selling the truck because her husband had died in a bike accident and keeping it really hurt her. She stated she wanted to use XXXX XXXX   XXXX for the safety of both of us. I provided my name, address, phone number and she said XXXX would contact me with the information for completing the transaction. They notified me of the bank to send the wire transfer to and once received I would get the delivery information. The bank they first told me to send the funds to was XXXX XXXX XXXX  to the account of XXXX XXXX those funds were returned to my account minus {$45.00} with the notation " unable to apply credit ''. So I contacted the number they provided for XXXX and they reissued instructions to the XXXX XXXX to the account of XXXX XXXX That transfer was accepted and I received shipping information that the truck would be shipped with arrival on Saturday XX/XX/XXXX. I would then be allowed five days to inspect the vehicle and if accepted XXXX would release the funds to the seller.The vehicle did not arrive as promised and I have been unable to contact anyone involved in the sale. Internet fraud victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had opened a secured credit card in XX/XX/XXXX and I decided to close the account and paid the balance in full {$190.00} in XX/XX/XXXX. After that I disputed the debt because the unpaid balance of {$18000.00} appear in my Credit Reports. I tried to validate the debt two times and they were not providing the details. I dont recognize the purchase transaction that happens in XX/XX/XXXX, and other unexplained transactions that appears after that. 

Also, I want to mention that after the account was satisfied they started to accumulate late fees until XX/XX/XXXX that results in the balance of {$18000.00}. 

I initiated an investigation and in XX/XX/XXXX then Citi sent me a letter receiving the dispute, but until today I have never received an explanation about the transaction details. After that some communications were sent and calls done but were not successful to resolve the issue. Last call was done in XX/XX/XXXX and they said they can not retrieve any history and they didn't have the transactions in their systems. Instead they are asking me to provide the documents. 

Under my knowledge I paid the account in full in XX/XX/XXXX and I have never received the {$200.00} secured deposit.

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but Equifax continue to violate the FCRA by reporting erroneous information in my credit report. The erroneous information comes from a XXXX XXXX XXXX for {$75.00} and XXXX XXXX for {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Chapter XXXX Bankruptcy-XX/XX/2017 I never filed for bankruptcy I have disputed this information with : Experian XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA 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 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I am very frustrated with mr copper/nation star. This is the second situation where they have provided me with the incorrect monthly mortgage amount and as a result my escrow account has become short and I am stuck dealing with the consequences. I have called Mr.Cooper numerous to resolve this matter and they have yet to come up with a solution or take fault. As of result of their mistake my monthly mortgage payment has increased by 200+. This is an unexpected bill and I really think this very unfair that I have to deal with this. Please advise what can be done to resolve this matter.

Company response to consumer: Closed with explanation