vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
I was denied a rental property due to an outstanding balance on a property I allegedly rented from them ( I did not, they have the wrong person ) but I'm trying to get information to find out what's happening, and when I called them, they refused to provide proof of the debt. They also tried to trick me into providing my current employer, I guess to ease their collection process. 

I expect them to, immediately, provide either proof the debt belongs to me or to remove the debt from my rental credit report so I can shop for a new place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: FL

Complaint narrative:
I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and XXXX  & TransUnion came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX corrected the information but XXXX and TransUnion will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was a victim of hurricane Irma last year and during this time my payments on two cards fell behind and were charged off as bad debt. I contacted the company before the charge off was initiated to try and get an extension and they agreed to at the time. I noticed that the account was charged off anyway and this has company ruined my credit after I was told differently by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union never gave me money I reported stolen. They waited til I closed the account to issue me the letter but never gave me the money. They are stealing the money I reported stolen. I attached a photo of the notice dated XX/XX/2018. I reported over 500.00 stolen and they stole it. Recently they sent this letter that XXXX was refund or credited back AFTER I closed the account and did not receive any checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT has been incorrectly reporting the original delinquency dates for two ( 2 ) old loans. 

I have contacted them multiple times over the past 2 years, showing them a letter from the Department of Education stating that the reporting period for these loans has expired, the history from the XXXX XXXX XXXX XXXX XXXX showing that their account information is incorrect. The customer service department for NAVIENT even found the original date of delinquency, and provided me with a letter regarding it. Despite this, the NAVIENT credit reporting department ( separate department with no phone support whatsoever ) has still not fixed the problem with the three bureaus. I've disputed the information over 12 times in an attempt to fix the issue. 

Most recent disputes : XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) I sent a  certified letter straight to the NAVIENT credit reporting department on XX/XX/XXXX as a last resort. I received a generic canned message saying that " the information they are reporting is accurate '' despite the information I provided them stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Have to keep complaining, Bayview never responds back or mail any letters about modification. Finally received copy of loan documents, said need XXXX XXXX on modification paperwork even though, XXXX XXXX has power of attorney for mortgage, stated didnt want assumpiton loan, faxed in all paperwork XXXX-XXXX-2018 with both our information, no one calls no one sent letter saying missing paperwork like other companies and there is a process for customer BILL OF RIGHTS! Always have to complain to get any results from Bayview, number to call says XXXX and XXXX reps never answer goes to voice mail says hit OPTION to speak to rep going to voice mail always ask to leave a message, left a message XXXX-XXXX-18 and  still no call back! Bayview doesnt follow the procedures for California laws! Rep gave me fax of XXXX and XXXX where does paperwork go? Want modification done have complied with everything and have proof of many faxes! AND USED MY LOAN NUMBER DIDNT SHOW UP IN AUTOMATED SYSTEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed an investigation request to Equifax, XXXX, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient problem. A serious problem. My daughter is a college grad with high debt making payoffs on loans. Navient fights the payoff of loans. What they did today is so egregious that we need your attention. Years ago ( 3+ ) my daughter paid off a loan we used my checking account and routing for a ONE TIME use. Today, I went to my checking account and Navient without my knowledge nor consent took {$1800.00} from my checking ( parent not co-signer ). I called my daughter immediately. She was as shocked as we were. She shared that she tried to payoff a very large loan this week and Navient simply refused her payment! They just mailed back her check w/o explanation. She called Navient asked for a Supervisor, gets the " I'll handle it '' conversation then they used my checking account! Now, my checking account is harmed ; I'll be in overdraft and, my daughter 's loan stays in accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: NY

Complaint narrative:
I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that Experian still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( 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 2018-07-12 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: CA

Complaint narrative:
On XX/XX/2018, a hard check on my SSN was made by ON-Site Manager XXXX. I didn't fill out any application for any of the apartments for XXXX. I don't understand how did they get my SSN in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MSW Capital, LLC

Complaint narrative:
One USA person, He introduce scheme in XXXX with XXXX. 

He committed us if you invest money for our company we will give you profits percentage as per your investment. people give him millions US dollar but he not return. He work with company name XXXX XXXX XXXX XXXX XXXX +XXXX ( XXXX ) XXXX-XXXX his name is XXXX XXXX   ( we not no real name or .... 
he has two account one of below and other via his website ( there option money transfer bitcoin/krill/ other sources ) but now website not accessed. 

Now we request you he is fraudulent case may be he will plant to scams to others so kindly expose him and investigate him because he used US country name. Maybe he funding to terrorist account details BTC : XXXX ETH : XXXX PM ACCOUNT : XXXX XXXX app contact : +XXXX ( XXXX ) XXXX-XXXX Email : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX 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 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I paid off the mortgage on XX/XX/2017. I received a Release many months later ; however, SLS has not notified the credit reporting agencies. I called SLS several times and only gotten the " run-around '' that papers would be submitted. This loan continues to show up on my credit report, namely XXXX and XXXX. I would like SLS to notify all credit reporting agencies that this loan has been fully paid.

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 2018-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed an investigation request to XXXX, XXXX, and Trans Union. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have 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 2018-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed an investigation request to XXXX, Experian, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have 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 2018-07-12 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: DISCOVER BANK
State: MN

Complaint narrative:
I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
this was a court hearing I did not get to attend and I am getting garnished for something that is not mine. the case was filed on XX/XX/2016 in which I had no idea because of a change in mailing address at that time. the signatures that they have had on file are not mine. this was removed even from my credit report as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Summary : Item I agreed to purchase was never recieved. Visa/Chase is requesting that I break the law ( 18 U.S. Code 2320 Section 2 ) in order to secure a refund. I also can NOT be billed for merchandise I never agreed to purchase. 

More info : Purchased item from XXXX XXXX. Item was not delivered. They sent something completely different than what I ordered and later turned out to be counterfeit. After failing to resolve the situation with the merchant who refused an exchange or refund by the letter of the law, I initiated a chargeback. Case XXXX with Chase Bank. 

I have been informed that because the merchant did not get the item they sent me back, that the dispute center will not refund me. This goes against the FAIR CREDIT AND BILLING ACT. Specifically : 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For  the purpose of this section, a billing error consists of any of the following : ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

No where in the FCBA does it state that I am obligate to return items that exist outside the purchase agreement in order to qualify for a refund. The counterfeit item is not what I ordered or agreed to purchase. It exists outside the purchase agreement between myself and XXXX. 

Also, shipping a counterfeit item to return it is ILLEGAL ( 18 U.S. Code 2320 Section 2 ). Visa/Chase/XXXX can not compell a person to break the law in order to secure a refund. 

I am due a refund in full because I did not get the item that I ordered. It is a billing error. Visa/Chase 's obligation is simply to determine whether I got the goods or services I agreed to buy, and if not ( billing error ), issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/2018, Credit Card was hacked and used for purchase as well as a deposit from an account that did not exist. The limit that was given to me on my card was for XXXX and it has been rung up for XXXX. How is this even possible. After trying to resolve with the Credit Card company, they said I had to file a police report. all this explanation and police report has been filed and they are still charging me fees for not making payments., I refuse to pay any charges that I have not made. They continue to charge me every month as well as report to the credit bureau of my delinquent payments. Not fair if they have not done anything to try to resolve this matter. I am flagged from getting any other card, as my credit score has diminished drastically because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I've let this agency know that the balance was for a hospital stay from my ex-wife years ago. I've also asked them not to contact me by any other means than my PO Box address given to them. They continue to call my phone and, more recently, have called my workplace looking for me -- contact information which was NOT given to them and a phone line that they are not authorized to use. Yesterday, XXXX-18, they left a message on a company telephone number that's used exclusively for customer service which means that they made a guess at where I work and searched online for an alternate way to contact me over a debt that I did not generate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunters Warfield is reporting a collection on my credit file that was removed over a year ago. I am in the middle of escrow, this collection being re-added to my credit has increased my interest rate significantly. This is unacceptable and unfair. I know nothing about this account and the credit bureaus have a police report with the original creditors name, thats why the account was removed over a year ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
To Whom It may concern, I XXXX XXXX XXXX, would like to formally complain about my mortgage servicer Flagstar Bank. I submitted my complete application for mortgage assistance about 5 months. I followed up today spoke to XXXX who he claims to be a supervisor immediately stated that the package was denied and never put into a review that is was probably a mistake that he will make a note in the system. I told him that theirs no time I have a sale date set for XX/XX/2018 and that for the last 5 months I've been bounced around given wrong information not just by rep but by managers such as XXXX, XXXX I can name a lot more. He then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain to him that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. My hardship was that I lost my job because they went out of business. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, please help me I do not wish to be thrown out on the street with my family it's very dangerous out there. 
Sincerely, XXXX 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