vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received a Private Loan from Sallie Mae back in College in XXXX. It was transferred to Navient. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THE BANKRUPTCY COURT DONT REPORT TO ANY CREDIT BUREAUS AT ALL AND THEY DIDNT HAVE THE MY CITY AND STATE SPELL OUT ON MY REPORT THE RIGHT WAY ON ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I contacted a gentleman about buying his concert tickets to the XXXX and XXXX XXXX XXXX concert at XXXX XXXX XXXX in XXXX, Maryland. We agreed upon {$20.00} for the tickets and using Paypal as our transfer method. When I sent the confirmation to the gentleman ( XXXX XXXX XXXX ), he blocked me and I did not receive my concert tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: AES/PHEAA
State: CO

Complaint narrative:
FedLoan has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have been submitted to debt collection due to a debt owed by the last owner of my house. The collection is for a cemetery in XXXX XXXX that I have never spoken to that only speaks XXXX. In addition, the communication from the agency is only in XXXX and I can not communicate or understand what the issue is. This is not my debt and is therefore harassment as I have told them that I am not associated with the debt. 

The person with the debt is deceased and no longer lives at the property as I am the second owner of the house. 

Please ask this company to remove me from there list and notify the issuing party that this is not my debt. Making false claims is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention. 
I want this stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CO

Complaint narrative:
XXXX has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.

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 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS AND THEN THE CITY AND STATE IS NOT SPELLED OUT ON ALL 3 BUREAUS

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 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
I dont think this debt is mine. XXXX called me on XX/XX/19 and notified me of a medical debt in my name. Because it was a collection agency and I am rebuilding my credit I entered a payment of {$35.00} a month. They promised to call me every month for payment. I asked during call will this be reported to credit bureaus they told me no, unless this went 90 days without payment. I called on XX/XX/19 and told rep at XXXX the arrangement and rep hung up on me when I requested supervisor. I called back XXXX times and someone picked up the phone and hung up. I called XX/XX/19 and rep told me they listened to call and told me they didnt say 90 days until credit reporting. I disputed with credit bureau. I told rep I will wait until dispute is handled until I make an arrangement. I changed my mind and called directly back to pay because I am trying to avoid bad credit. I called 3 times and was hung up on, immediately. XXXX is trying to ruin my credit. I have records of calls and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX  updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX  updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
QAR debt collection agency I received a letter from a previous employer for an attempt to collect tuition reimbursement. Never received notice from my employer that money was owed. My payment was not due until XX/XX/19. I sent in documents that I felt I was not responsible to pay. Also, the check was mailed out on the XX/XX/XXXX never cashed called my bank to verify, and had to cancel payment I was charged XXXX to do that. I filed a complaint through the XX/XX/XXXX and company told them the check was cashed it never was. My case number with them was 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 2019-08-22 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I try and pay all my bills on time. I need to refinance my house, but on my credit is a joint credit card that has late payments on it and has been lowering my credit score since XXXX of this year. In XXXX, my fianc accepted a preapproved credit card from Chase Bank and added me as an authorized user without my permission. According to her credit card statement, nothing had been charged to the card since XXXX of XXXX and the balance should have been $ XXXX $ XXXX {$3300.00}. The balance is now {$5300.00}. She had automatic payments withdrawn for over a year, until they started adding an addition XXXX XXXX/month of interest in XXXX of XXXX. After that, my wife had a baby and was out of work for three months. She kept paying until XXXX, but then could no longer afford the extra $ 100/month interest. After that, they also added $ XXXX/month late fees. I met with my lawyer this week and he said for her to call them and have them remove me. Chase Bank told her she had to make a payment of {$1400.00} in order to remove me. Which she clearly doesn't have. She called again today, and after being transferred all over the place for nearly an hour, she eventually talked to someone who could help her. She offered to make a payment of {$200.00} if they would remove my name. They finally agreed that they would remove my name if she made a direct payment from her bank account of {$250.00}. However, as soon as she made the payment, they still refused to take my name off the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
After many years of not being able to get out of my XXXX  XXXX XXXX loan which came to them by way of XXXX by way of countrywide I was finally able to refi through the hope for homeowners program and get out of my adjustable rate mortgage and get a fixed mortgage, they, in turn sold my loan to Ditech. 
In XXXX I contacted Ditech in order to refi to a lower rate take out cash to pay of high interest credit card debt thus lowering my DTI .... Instead of responding to me they sold my loan to XXXX mortgage. I contacted FHA to find out about programs to help homeowners stay in their homes. They referred me to XXXX loans and they denied me even though I have the equity the credit score and the income ... .plus they did not offer me any government options ... 
But yet this is the company the government told me to contact for help. 
Out of the blue XXXX ... my now NEW servicer ... ... contacts me and says they can offer me a program to take cash out pay of my debt to go towards my Debt to income ratio at a cost of {$17000.00} and 10 years of pmi payments of over {$350.00} a month even though I have over 50 % equity in my home ... ..I owe XXXX and my home is worth XXXX. I have good credit and I believe that these companies are trying to take advantage and give me unfavorable rates and loans based on being single XXXX and female which is one of the first things they all asked me about. 
My complaint is to Ditech for selling my loan in order to not do a refi. 

This is not the first time I have had to battle these companies from trying to steal my home from me ... I spent 8 months in 2009 trying to clear XXXX  XXXX XXXX attempt to take my home by them claiming I was not paying my mortgage on time which after sending them all the cancelled checks disputing their claim the were in error Nd stopped their attempt to take my home ... .but by then I was stuck in the Arm mortgage that took me years to get out of. 
I even contacted the DOJ at the time and they said XXXX XXXX XXXX  did nothing wrong but year later they he to pay the government a huge fine for their part in the mortgage crisis. 
So yet again I am fighting to get fair and equitable treatment. 
Regards

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 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is a XXXX XXXX prepaid Visa 1-2-3 rewards, not to be confused with the 1-2-3 Master card. My prepaid card is used almost exclusively to make it easier to pay bills ; as I'm XXXX and on a fixed income. 
The monthly fee for this type of card is {$3.00}, but if your balance is less at the time the fee is charged, they charge less. 
I had {$28.00} on my card on XX/XX/2019 ; the date the fee comes off They charged me {$4.00} and when I called to inquire about this the rep told me the fee changed XX/XX/XXXX. I stated I had not gotten anything letting me know this fee had been raised and the rep said she could not do anything about this I then went to the XXXX and looked at the FAQ 's updated XX/XX/2019 for this particular card because they have several different cards with different terms There it tells you that the fee is {$3.00}, and under the cardholders agreement, the same. It had also been updated XX/XX/2019. It further states that if they are changing the fees associated with this card, they will give written notice prior to the effective date as required per applicable law. According to FDIC.gov rules on their website, it states that the increase must be in writing and highlighted in some manner. I did not get anything from them. When I had finished my homework ; so to speak, I called back. I told them what I had found. They put me on hold to look for themselves. The floor supervisor I was speaking with came back and said that he just checked the website and it states the fee is now {$4.00}. I told him he was crazy because the website I was at said no such thing! I asked him to waive the fees. He said no. I am pretty stressed at this point in the whole darn mess. I needed that money for a bill. It is unlawful to do what they have done. Besides my not receiving written notice, it clearly states their rates are different than what they are charging and that is false advertisement, I am pretty sure. At least in California it is.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX on a phone call with XXXX XXXX from Quicken loans we discussed my refinance application. On that call I expressly denied permission to perform a hard check on my credit until every single other step in this process was completed. I told the banker my score and he said he could get the information he needs from my tax returns and by asking questions via email. So he emailed me later that day to obtain my tax returns and ask some of those questions. On Friday XX/XX/XXXX he performed that hard check on my credit without my permission. I believe this is illegal as I did not give permission and I actually purposefully denied him permission to do this. He has since stopped communicating with me. I have left a voicemail for his supervisor on XX/XX/22 at XXXX but have not heard back yet. Here is the banker 's contact info : XXXX XXXX XXXX XXXX Quicken Loans Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I was issued a valid credit card by Citibank and had consistently paid my monthly payments to vis -- vis automatic withdrawal and in most cases paid more than the required amount. Due to an error by Citibank during the month of XXXX they did not deduct the automatic withdrawal and I contacted them by phone a few days later inquiring why. The customer service representative I spoke to asked if I would like to make the payment then and I said yes and did make it. Well my minimum payment due was {$59.00} a month I had increased it to {$100.00} by automatic withdrawal. 
The following week from that conversation I received a written notice indicating my account had been closed due to late payment which was approximately three days. 
I immediately contacted customer service during the month of XXXX and the representative advised the account would remain closed. So at that time I requested my automatic withdrawal payments be closed and I would be paying by check so there is no longer any errors on the part of Citibank. On Wednesday, XX/XX/XXXX when checking my bank account I noticed Citibank withdrew {$100.00} which was not authorized. 
I immediately contacted Citibank customer service and the representative reviewing my account indicated that it stated I had requested automatic withdrawal be closed along with my account however it apparently was not. 
I then requested they reinstate my {$100.00} payment that was taken in properly as I was now using a law firm to pay my payments and had already sent them the amount. 
The representative advised me she would not be able to reinstate the {$100.00} and must send it to a committee to review which would take XXXX hours. 
At XXXX hrs. on Thursday, XX/XX/XXXX realizing Citibank had not reimbursed my account I contacted a customer representative in the dispute department and explained that my money was improperly deducted and I wanted to be reinstated. 
I was told to hold which I did and a few minutes later the representative returned and stated something that I could not understand and hung up. 
This leaves me as a wreath retired veteran from the XXXX XXXX XXXX XXXX XXXX living alone receiving only Social Security with {$100.00} to feed my cat, service dog and myself for the rest of the month of XXXX since I was currently out of food. 
I'm not certain how but it appears somehow Citibank blocked my ability to contact them 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 monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Contact company via certified mail to cease telephone call and all further contact to be via US mail. Valid mailing address was provided yet they continue to call DAILY. The number they are calling is not my number but a friend 's and they wish the calls to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS PERIOD, AND THEY DIDNT SPELL OUT THE CITY OR STATE ON MY REPORT

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 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wellfargo I have a lot of transactions happen to my bank account that I never recognize them Some transactions I never did to my bank account and also I saw some using my name that I have social but I never have Social number ever since because Im applying until now of my change status in XXXX  for XXXX visa

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