vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 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: OH

Complaint narrative:
I Disputed an item on my Transunion credit report through XXXX XXXX onXX/XX/XXXX. The Item is For " XXXX XXXX XXXX XXXX  '' in the amount of {$7000.00}. This account has incorrect balances and the date is showing incorrect on my report. The estimated completion of this dispute was XX/XX/XXXX. It is now XX/XX/XXXX and the status of the dispute is still showing " investigating '' I have called Transunion 3 times starting XX/XX/XXXX and they have told me that the investigation was completed on XX/XX/XXXX but I have yet to see proof. Transunion stated that they sent out an email and verified the email that was on file but I still have yet to receive one. The XXXX XXXX website is still not updated.

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 2018-03-30 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: CA

Complaint narrative:
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-30 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: AES/PHEAA
State: OH

Complaint narrative:
I have a XXXX XXXX XXXX  consolidated loan. I am currently on an IDR ( as well as the PSLF. ) My IDR was re-calculated and went up 250 %. 

My AGI inXX/XX/XXXXs taxes was {$25000.00} My AGI for XX/XX/XXXXs taxes was {$30000.00} My IDR based on 2016 was {$59.00} My IDR based on XX/XX/XXXX is {$140.00} I don't think an increase of 250 % is fair. I did expect the payment to go up, but thought it would be at most an extra {$20.00} to {$40.00} a month. I do not want to go into forbearance, just want a fair payment setup for IDR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CA

Complaint narrative:
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I RECEIVED A LETTER IN THE MAIL STATING THAT I OWED DIVERSIFIED CONSULTANT {$630.00} AROUND MONDAY, XX/XX/XXXX I DO NOT BELIEVE I OWED ANY DEBT TO DIVERSIFIED CONSULTANT, SO UPON RECEIVING THE LETTER I SENT A DEBT VALIDATION LETTER ON XX/XX/XXXX ( VIA CERTIFIED MAIL ) AND THEY RECEIVED MY LETTER ON MONDAY, XX/XX/XXXX ON WEDNESDAY XX/XX/XXXX THEY SENT ME THE SAME DOCUMENTS ( WITH NO WRITTEN  SIGNATURES OR E-SIGNATURES SIGNED BY MYSELF ) OF AN OLD BILL STATING THEY HAD THE RIGHT TO COLLECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time

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 2018-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 2018-03-30 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: MN

Complaint narrative:
i paid off a mortgage at bank, i received a satisfaction of mortgage, the account shows past due on my reports i have downloaded the satisfaction to the credit agency 's, they do an investigation, they remove the item from my file, then within 1 week its back on my report, this has happened many times over the past 12 months, my credit score bounces XXXX to XXXX points each time, i spoke with experion last on XX/XX/2018, she read the documents that she had on file from the latest dispute and told me the bank who the paid account was with ( XXXX XXXX XXXX XXXX  mn. ) did not respond within the 30 day window so they deleted the account, but then XXXX XXXX responded late and it was back on my report. 

please note the account number on the bottom of the satisfaction document, that is the same as the account number on my credit file. please read the document it is very clear this account is paid in full.

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 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). 

I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. 
The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.

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 2018-03-30 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX with all the relevant information they needed to verify my claims but the funny this is these fraudulent inquiries are still showing on my credit report.

please delete these erroneous inquiries from my report asap : - XXXX   XXXX XXXX XXXX  -- - pulled lastXX/XX/XXXX - XXXX XXXX -- -- pulled lastXX/XX/XXXX - XXXX XXXX -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX Pulled lastXX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/XXXX - XXXX XXXX XXXX -- -- XX/XX/XXXX - XXXX XXXX XXXX XXXX- pulled last XX/XX/XXXX - XXXX XXXX XXXX  -- - pulled last XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-30 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: MA

Complaint narrative:
I took out a consolidation loan with XXXX XXXX in XXXX of 2000. The original amount of the loan was {$74000.00}. 

With the exception of two periods of forebearance when I was on XXXX XXXX, I have made payments ranging from $ 500- {$600.00} per month for 18 years. This is the amount required under my payment plan. 

The loan is currently managed by Navient. 

My current balance is {$65000.00}. 

I previously complained that my payments are not being correctly applied to my principal balance. The amount that is applied to my principal balance month to month varies, even though my payments are the same each month. 

I feel they have incorrectly applied my payments over the years and that is why my principal balance is still high after 18 years. 

I would like an independent audit to be done on my account from someone other than Navient and/or XXXX XXXX to ensure that XXXX payments were applied correctly and if not, I would like the balance to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: TX

Complaint narrative:
I've been repaying by debt through the XXXX XXXX company. On XX/XX/XXXX I requested a record of all the payments I had made on Federal Student Loans. I asked to get a record of what payments I had made, and which ones qualified toward repayment. I was told that it would take 3 months to get a detailed summary of my loans, what qualifying re-payments had been made, and a record of which of those payments counted towards PSLF. I never received this report. In previous years ( before XX/XX/XXXX ) there had been a tool on the website showing that I had 4 or so years towards my repayment, but such information has disappeared from the website. 
I have been repaying loans since about XXXX, but when I consolidated my loads through PSLF, either all records of those payments were lost ( I have records ) or else they were not counted towards PSLF repayment. The years fromXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX, though I had been XXXX and paying loans, which I made sure to check were qualifying, were lost. 
Another complaint is that when I am asked to re-certify with an employer, I do so, and I also request that XXXX ensures that I am currently enrolled in the correct repayment plan. I have no way of verifying this or making sure that the payments I am making qualify. 
When I am asked to submit documents I do so, but almost every single time I am sent a form letter about how some of what I submitted was incorrect, and I am forced to make a call ( hold and transfer time 10-30 minutes ) to XXXX to find out exactly what it was. Case and point, I was given a form that told me to submit records of my income. I submitted all XXXX and XXXX forms ( which in step 5 of the IDR form was what I was instructed to do. Nothing was said about tax return forms ) with my income from XXXX, an in return I was sent a form letter that did not specify what I had incorrectly submitted, but letting me know that my request was rejected. When I called, I was told that I was supposed to have submitted a tax return form, though it was not specified on the form and instructions I was originally given. 
My specific complaint is that XXXX is withholding information necessary to participate in the PSLF program, and is making it unduly difficult to submit information, ensure you are fulfilling requirements, and receive information about my student loan and repayment. Any other entity dealing with loans and other financial matters would not be permitted to mismanage information in such a way that XXXX has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. 
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. 
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! 
Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Car was turned in and lease terminatedXX/XX/XXXX, plate were returned to DMV early XX/XX/XXXX. For some reason my account with XXXX XXXX   continues to remain open with XXXX XXXX though I have not had the car since last XX/XX/XXXX. I do not have any vehicles through XXXX XXXX at this time. In XX/XX/XXXX an accidental payment of XXXX was made on this account that I did not even know was even open any longer. I contacted XXXX   and was asked to provide proof that plates were handed into the DMV because I was being charged for property tax. I emailed and provided this info to an email address that was provided by XXXX XXXX. I have called several times between XX/XX/XXXX and now XX/XX/XXXX and my money has not been returned to me with not through explaination why. On several occasions I have put in phone calls and sat on hold for extended periods of time. I have been told that I would recieve phone calls back and nothing has happened. I am still waiting for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
I attended XXXX  in the Fall of 2015. I had applied for financial aid on the first day the application was released and sent back my information on the first day it was available. Yet, I still did not receive Financial Aid until I came to Campus for move in day.

A week after XXXX break my aunt died. I had to leave to go home to MI to be with my family at that time. Because of those circumstances my financial aid situation was neglected when I came back to XXXX I was required to pay half of my balance to continue my studies. I did so. After that I received notification that there was a loan from Citizens Bank on my account. The issue? I never applied for a loan from them. It was being processed on my account even though I disputed this with the Office of Financial Aid. They instructed me to reach out to the bank itself, which I did and they verified that they had not sent me a loan for those funds. I wasnt in the headspace to dispute this. These funds never existed and prevented me from making a payment on my account At the time of the situation the loan had been processed on my account and I received no assistance from XXXX when trying to figure this out. When I looked today, the loan had been cancelled but it's existence on my account when it was never filed for is proof enough of this fraudulent loan.

During this time my mother became very ill and was involuntarily committed to a XXXX XXXX. I contacted the financial aid office to notify them of this and to ask for more assistance but was told that there were no more funds in the student needs based grant program. At this time I was receiving $ XXXX/ semester and was requesting more because my mother was, as stated before, XXXX and so she was not even aware of the situation. At this same time, students and staff were stealing {$1.00} million worth of needs based grant assistance from XXXX  and this is why they had no funds to assist me. In one semester a student received the university need based grant in excess of {$60000.00}. XXXX  had a student stealing money for the need based grant program that I qualified for and when I contacted the Financial Aid office, which was being run by these officials and students, they refused to assist me with any further grant funds and hung up the phone on me multiple times. The people who were stealing the grant money, refused to use the funds for their allocated purposes.

Company response to consumer: Closed with explanation