vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 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: FL

Complaint narrative:
Navient is not being truthful & is falsifying information. This is causing great financial hardship on my family. I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. With information breaches, identity theft, class action suits and found violations Navient knows the importance of doing a proper investigation. So far Navient is ignoring my requests, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. Each promissory note Navient provided indicates on the top of each application that it is valid through XX/XX/2002. In addition Navient claims I signed a promissory note for loans consolidated with Direct Loans, which is false. A previous student loan account was turned over to Direct Loans involuntarily because my original servicer no longer services student loans. And now these are with Navient. In addition the promissory note provided from Direct Loans does not include any loan amounts, which is very questionable. How can I agree to something without the specifics being explained, this is a violation of Truth in Lending? This is very disheartening that I have literally been disputing the loan amount for years. After many failed attempts to be gather this information I am hoping the CFPB can assist. What has been provided has not added up to the amount I agreed to paying & do not feel it is okay for Navient to provide a so called signed promissory note that does not provide that a agree to any said amount. Please do not simply provide a breakdown of what they are stating I owe. I want to see where I agreed to whatever said amount. I intend to pursue my rights to the fullest including litigation if this is not resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
PayPal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my transunion report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is 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 2018-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. 
When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. 
We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband.

During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. 

We would like this to go on record against XXXX as we did everything in good faith and got screwed.

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 2018-04-27 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: LEXISNEXIS
State: NC

Complaint narrative:
Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have tried contacting this company and I have tried disputing these inquiries. I am attaching documents to show the information this organization has provided as their address and phone number. 

XXXX basically responded that the organization did verify that I am the person who submitted the credit application and the organization does not have to have my permission to run my credit after I have supplied them the information, BUT THIS IS MY COMPLAINT, I NEVER PROVIDED THIS ORGANIZATION MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX   ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX   was financed in XX/XX/XXXX by XXXX XXXX ( fka XXXX ).

XXXX and I left the XXXX  at the XXXX dealership and took possession of a XXXX XXXX XXXX We were of the expectation that within 10 days Bridgecrest would be paid in full for the XXXX XXXX.

In XX/XX/XXXX, we saw a 30-day late on our XXXX   Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to Bridgecrest and XXXX and Bridgecrest stated they were not going to change the report. XXXX  suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX  dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under the FCRA I, XXXX XXXX request that XXXX immediately notify Equifax, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: NC

Complaint narrative:
Under the FCRA I, XXXX XXXX request that XXXX immediately notify XXXX, Experian, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

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 2018-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am truly in need of your help. XXXX XXXX XXXX is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and XXXX XXXX has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX and Equifax is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party XXXX and Equafax are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/14 I applied for a care credit card at my dentist office. It said 0 % apr which is why i chose to pick this card for my dental work. I had XXXX placed in credit on the card to pay for my appt. I have made on time payments for a little over three years. Only until i didnt pay one of my bills did i receive for the first time a paper bill which stated i still owed XXXX. I called them to correct the info. They are stating that when i started it was just a promotion but that it was only for a year. I had never recieved any emails or paper mail stating that this Promotional apr was ending and that i would be on 26.96 percent apr. I would have taken out a personal loan at 10 percent apr and not have kept the card. The information is very misleading.

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
There is a World Omni that was reporting on mine and my husband 's credit report. We have asked for validation of debt and they won't send anything. We have disputed it with the bureaus and they won't send anything. Please help the amount does not look right and they won't give us anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We refinance our loan with XXXX XXXX. Balance of escrow for {$890.00} ( due by Chase ) was never received. We called ( with my Broker ) Chase Mortgage customer service around XX/XX/XXXX and were told the check has been sent on XX/XX/XXXX to our personal address. Not received. We called again on XX/XX/XXXX and were told a check has been re-issued on XX/XX/XXXX and sent again to the same address. Not received. Desperately, we asked for a new check to be sent to our business address. Not received.

While looking for a solution we asked the check to be sent by registered mail, or to a Chase branch in XXXX or XXXX for pick up. We also asked for a bank wire to my XXXX XXXX account. Chase declined our requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my Equifax report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is 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 non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I paid XXXX directly for the amount of {$180.00}. Ive disputed this multiple time and convergent keeps saying everything is accurate.i have submitted proof it has been 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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to temporarily remove a freeze from Experian. I submitted all the necessary information both online and by phone several times today, XX/XX/2018. I have been repeatedly told that they can't process the information " at this time ''. It is IMPOSSIBLE to speak to a live person on the phone. You just get the automated responses. This is extremely frustrating and time consuming. 
Terrible, or I should say, non existent, customer service.

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 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I applied for a new cashout refinance mortgage. My new lender and their title company have tried for 14 business days to get my payoff from Capital mortgage Loan Servises of Texas. They have never complied. I contact them on XX/XX/XXXX and requested this payoff myself amnd they denied my request. They have made numerpus excuses and have denied sending my payoff to title and have severly hurt my financial status.

Company response to consumer: Closed with explanation