vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have financial troubles for my business. I took out several XXXX XXXX XXXX XXXX to help, these lenders were to take daily ACH withdraws towards payment. I had to temporarily close my office, 5 weeks, in XX/XX/XXXX. My accounts receivables were not enough to cover loans, so I informed the XXXX 's and asked for help. They offered little. 

I contacted my bank to ask for help, I wanted to get their help in stopping the ACH withdraws ; I knew if they went past my balance, I would be charged overdraft fees. The bank said they could not stop the ACH debits, only close the account, once it was a positive balance. I had been in contact trying to get the XXXX 's to back off a little but the OD charges kept piling up. 

I discovered your website and read the information that stated the bank COULD have stopped the ACH withdraws. I immediately emailed the bank, who danced around the issue offering to " consider '' helping once my balance was positive. 

Currently, my account balance is XXXX, of that {$3500.00} is in OVERDRAFT CHARGES!! I have asked them to remove those charges and I can then make arrangements to get the account to a {$0.00} balance so the account can be closed and I can cease doing business with them. Basically, get out of their hair! They said once I get the balance at a XXXX, they will discuss the OD charges. Seems to me they want me to XXXX out the account, then tell me tough stuff. 

My attorney says I have a potential claim against them since they have potentially violated certain banking laws. This is causing me tremendous stress, which adds significantly to the stress I already have concerning other financial issues. I need help, fast!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14 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: IL

Complaint narrative:
My son received a {$8000.00} loan from NAVIENT in XX/XX/XXXX. It is XX/XX/XXXX. The loan balance amount is OVER {$8000.00}. We're paying {$180.00} a month and this loan amount has not went down in 8 years! I am so tired of paying this loan. Can someone PLEASE help  me! This company is robbing me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I went on an online chat at XXXX to inquire about services they may have to refinance my loan or if they had secured loans. The chat rep gave me a number and told me to ask for special handling. I called and couldn't get past first rep who said the only option was forbearance, I adamantly stated numerous that I didn't want that nor was I interested. She said that was all she could say. I asked her to connect me with someone else that may be able to help and she said the person she connected me to could explain the program or give information. When I was connected he again went into the forbearance program and I immediately told him I was not interested in that and that I have a financial license and did not want that on my record. He said he was sorry I was misinformed and I said okay and we ended call. About 2 minutes later I received an adverse action notice in my email saying that i did not qualify for the application for loan modification or forbearance! 
At no time whatsoever did I authorize the pulling of my credit report or consent to any application! I was literally just asking questions and knew right away and told them so that this was not something I was interested in doing. At no time did request this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I'm getting charged for cash advance when I did a credit card balance transfer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX   XXXX XXXX or any version of this address.

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 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
XX/XX/2019 my home flooded. 
It took two months to get a flood insurance preliminary proof of loss. 
The POL was sent to first mortgagorXXXX XXXX Disaster loans for endorsement. XXXX sat on the check for 5 weeks before sending it back to me because I was informed they had me send it to the wrong address. 
The check came back XX/XX/XXXX and was forwarded to Ditech Morgage who told me they would have it back to me in 5-7 days. Ditch received the check XX/XX/XXXX. 
The check was forwarded with a letter explaining that I had been flooded out of my home for 5 months and the reasons why, a copy of the Proof of Loss, and a copy of the bids for hvac, electrical, and plumbing repair, which is the same thing I forwarded to during the previous flood four years ago. 
On XX/XX/XXXX, Ditech calls and demands copies of contractor licensure. This was not required for my last flood loss only 4 years ago. 
It is my belief that Ditech, a mortgage company in bankruptcy, is simply tieing up my payment in their bureaucracy in order to use the money in the interim and stall as much as possible in paying me so I can repair my house. 

I have been out of my home for 5 months. There is no power or heat there. 
I am living in a rental, losing the income from the rental and making payments on both houses, both the rental and the one that is uninhabitable. 
Winter is coming on, and if I dont get my home repaired, the plumbing may freeze & burst causing yet more damage, caused by Ditechs delays in forwarding my fema repair check. 

I need some help getting Ditech to release the check. 
Ditech loan # XXXX XXXX XXXX loan Ditech phone number XXXX Policy # XXXX Claim # XXXX Property Address XXXX XXXX XXXX, XXXX, AR,XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts and signatures with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Webcollex, LLC
State: TX

Complaint narrative:
You are trying to contact me at my job for about 3 weeks now. I have sent an e-mail on XX/XX/2019 to your company asking you not to contact me at my job. This is an illegally practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I do not owe this bill. Someone opened this account. wallet and id stolen 2016. I informed the agency to remove this off my credit. which the have never sent me a letter or anything of the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I sent 4 Electronic payments of {$680.00} for my XX/XX/2019 payment. One payment is missing and not applied to my account. I contacted my bank whom spoke with them and said they received the payment. I sent proof of payment and bank statements. Still loancare can not find XXXX dollars

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 2019-10-14 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: KY

Complaint narrative:
In XX/XX/2019 I paid off my Capital One card and was not planning on using the card ever again because of the high interest rate. The card was lost or stolen and charges in the amount totaling up to {$690.00} were charged. I have contacted Capital One multiple times and reported my card as being stolen and fraudulent charges were made. Capital One stated the card had been blocked and that I would not be responsible for the charges. Since XX/XX/XXXX I have had multiple addresses post on my credit reports that I've never lived at by Capital One. I still reside where I did when I applied for the card. I've disputed with the credit bureaus the information was incorrect with No resolve to my issues. I would like the {$690.00} in fraudulent charges removed and my credit reports updated as well as a payment that Capital One posted late in XX/XX/2019. Since then my account has been closed and I was told the information would update by Capital One but it never has and they stated it had updated my balance to show a {$0.00} balance and the negative payment was removed, but this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I entered into an agreement with XXXX XXXX the company that GM financial hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XX/XX/XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from XXXX XXXX XXXX via email and standard mail stating my account has been resolved and closed in XX/XX/XXXX. I contacted both XXXX and GM Financial to have the information updated correctly. 

My issue is the information that GM Financial is reporting to the credit bureaus does not accurately reflect the agreement made between me and XXXX XXXX and it also indicate son my credit report that I still owe GM Financial {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however GM Financial reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that GM Financial remove the account in totality from my credit report with all three crediting reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: CA

Complaint narrative:
My loan servicer is Navient. After my teacher loan forgiveness application was denied, I was told that I would qualify for the Public Service loan forgiveness program and that I would need to make 120 payments for 10 years and that I would need to apply after I have made these payments. I was not informed of any additional steps or actions that I needed to complete in order to qualify for this. I have been enrolled in the income based repayment plan for the last 8 years and I just found out that I should've been completing the employment certification for Public Service loan forgiveness every 12 months. Navient never informed me of this and now after I have been paying my loans back for the past 8 years, under the impression that I only had 2 more years left and that in 2 years I would be eligible to pay but this is not the case. The payments that I have had to pay do not count towards PSLF because I never filled out the certification which Navient failed to inform me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: IQOR US INC
State: TX

Complaint narrative:
You are trying to contact me at my job.

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 2019-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage company seems to be in the habit of not reporting my ontime payments to the credit agencies. They will go up to 2,3,4 months not reporting anything. This is by far my biggest account and it not being reported is not helping my credit score which I am constantly trying to improve. I complained last year when I first noticed it  but they continue to do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} XXXX XXXX incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called XXXX XXXX to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but XXXX payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for XXXX 's own mistake. It is not fair. 

I called and tried to explained this to XXXX. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XXXX and now XXXX 's payment. XXXX reports on my credit, that I owe, XXXX and XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that XXXX paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to XXXX, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I applied for a VISA credit card with one Barclay Card from Barclays Bank Delaware to obtain financing to purchase Apple products. One time I did receive financing but, this year I had called the card service and they approved financing for {$1600.00} towards purchase of two XXXX devices and so I purchased based on their verbal assurance over phone but, actually they never gave me financing instead, they started charging me the full interest from the time I purchased the devices. After a few payments of interests when I call them they always dodge me stating the next statement will have all the reimbursement but, it never happened. So, I paid them in full and stopped using the card. In the previous balance which was {$390.00} due on XX/XX/XXXX, I send a XXXX & XXXX  check and mailed on XX/XX/19 but they still charge me {$31.00} as interest. Upon this, I called them and when I explained to them that I have full records of my payment signed and mailed on XX/XX/XXXX and it does not take more than 2 working days for mails to reach destination they waived off the fees and interests. At that point I requested them to cancel my VISA card account completely and give me a reference number or an email Notice of cancellation. They have failed to give me any reference number, nor any Notice. They only told me that I shall be receiving a letter. After that conversation I have neither received any letter nor any email stating my cancellation. I spoke finally with one operator whose name was XXXX and an operator ID XXXX  ( as told by her ). Kindly help me obtain complete account closure letter from Barclay Card. Their website is BarclaycardUS.com and their Customer Service is 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 monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Hello, I have sent in a written request of debt validation by certified mail which was received by United Revenue Corp on XX/XX/19. In the letter I asked that signatures, a description of services rendered with dates/times, charges, and methods of validation be included for my review. However, I was not provided the appropriate documentation. I'm afraid that this creditor may have my personal information which may be a HIPAA violation. Please help resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has transferred the mortgage note for the mortgage ( MIN : XXXX ) in the trust for securitization. 
Please provide me the date and the name of the trust for this securitization. 
Thanks in advance.

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 2019-10-14 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: IL

Complaint narrative:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX XXXX not mine

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 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously disputed with the company of the following charge off account. I have attempted on numerous of times how could they have verified my account as accurate if it's so many inconsistencies. The company has not once sent any method of verification or deleted the account due to inaccuracies. As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. 
The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. Also ALL accounts are supposed to provide a date of last activity which they failed to provide.

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 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

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