vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit 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 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I use XXXX XXXX to help budget but PNC does not like to release my recent transaction reports to allow me to actually use XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CT

Complaint narrative:
Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX  XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX, 2017 I contacted transunion and XXXX concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.

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 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP
State: NH

Complaint narrative:
Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Trying to get money transferred from XXXX XXXX and it 's says my bank want send updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX 2017, I receiver a letter informing me that my taxes had not been paid. I called and reported that I would pay my taxes as I always did, understanding that there was a fee added each month, but I did not want an escrow account. I paid county, city and school taxed but the money was refunded because Chase had paid the taxes. I contacted Chase and asked if I could reimburse them and not have an escrow  account. and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: QuickClick Loans of Illinois, LLC
State: AL

Complaint narrative:
Dear CFPB, Brookwood Loans Ga., XXXX, XXXX, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the Brookwood loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to Brookwood loans be mailed to me. I am asking Brookwood loans to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and XXXX personal loans in my name in the state of Nevada. Now there is another loan. With Brookwood. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to Brookwood Loans XXXX Ga. To all XXXX credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that Brookwood loans operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.

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 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been with Chase since XX/XX/XXXX and they can see it in my credit report as an authorized user and was advised that it will help me get a credit card in the future. I applied and was denied. do to the faq of my average age of account ... so XX/XX/XXXX to XX/XX/XXXX did n't count for anything ... a called several times to verify and every chase customer told me that adding a person to my account will help them in the long run to get a credit card ... so why are you lying?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
called to get pre-approved for a credit card for the capital one XXXX XXXX Rewards card ... and the customer service told me to apply for the secured credit card and after the first billing cycle go ahead and product change the card and if my credit is good they will do it without another hard pull ... not they are telling me i have to wait a year with the secured card before changing ... .. i called the eo and after a ''review '' they can do anything ... so im XXXX with a card with no perks at all ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: IN

Complaint narrative:
Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit 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 2017-07-27 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: LA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit 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 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: FL

Complaint narrative:
I have contacted this collection company and disputed this charge many times. The collection agency has no right to place this on my credit report due to the Insurance paying this bill directly to the original creditor. I want the item removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation