vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: VA

Complaint narrative:
XXXX  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute 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 non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
For years, I have submitted my payments electronically. I am a retired  XXXX  with a   XXXX   XXXX  . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records.     And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z.     This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char  ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans.   Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are   XXXX   XXXX   XXXX   ,  XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them.     As a  XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades.     Can you do anything about this or  must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period?     As a retired   XXXX   and a  XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: V and H Portfolio
State: WA

Complaint narrative:
I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the back up in our toilet- -We found an ad behind the XXXX XXXX telephony book for drain cleaning @ $ XXXX -When XXXX XXXX  came to clear the drain ; they did so for free and told us it was not a sewer problem- -later they insisted we get an inspection completed to look at our sewer- -XXXX XXXX claimed I had cracks in my sewer -I was told by XXXX XXXX my home owners insurance would not cover the expenses and if the city found out about the cracks in my sewer they would charge me up to $ XXXX -XXXX XXXX offered to complete the work for $ XXXX -Out of fear & circumstances I consented but did not know what I was consenting to- -I am an elderly XXXX veteran ( XXXX XXXX ) & was made to sign many documents via a tablet ; I was unaware and confused of what I was signing- -I was made to receive a loan from XXXX XXXX through Wells Fargo Bank to pay for the plumbing services I am not certain I needed- -I am on a fixed income and a XXXX man- -The financing loan was for {$11000.00} and XXXX XXXX  was still charging up to {$22000.00} for the job- -Victim received a credit card with the Wells Fargo logo that has XXXX XXXX written across it-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been receiving hourly phone calls from Navient student loan department every day for the past week. I am a co-signer on the loan and have told Navient numerous times they need to contact  XXXX  ( who the loan went to  )  to get payment or discuss deferring his current due as he has been unemployed since  XXXX . Even after discussing this, the calls have not stopped and I receive a call from  Navient  each hour. I have nothing else to help them with as they need to speak with  XXXX . I fully understand the situation of him being late but they need to be harassing him hourly until he pays them. Harassing me on an hourly bases is not helping the situation.  XXXX  can be reached at  XXXX  or  XXXX .   I send him every call fr om Navient as  well as if they leave a message. Not sure why they are not harassing him hourly until he talks to them about his current lack of income.   Please have  Navient  stop calling me every hour. I have attached my phones call log to show the constant calls. I can show the times if needed as well but trust me the calls are hourly from  XXXX    XXXX   to  XXXX  or  XXXX . If I lose my job over the constant calls from them, my lawyer will be contacting them immediately.   Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: MD

Complaint narrative:
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   XXXX    XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: AR

Complaint narrative:
XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: MD

Complaint narrative:
I filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: MD

Complaint narrative:
I filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.

Company response to consumer: Closed with explanation