vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I originally filed a complaint asking for assistance in a modification with an interest rate of 2 % or a principal balance to be able to afford my payment. I also addressed my concerns of my escrow account account increase.     I was advised my insurance premium had gone up and that was the reason why my payment went up. I confirmed with ocwen my insurance premium is only  XXXX  a year. There is a violation of several things here since ocwen did not advise of this change within time. Also, ocwen should have given me the opportunity to pay the shortage without increasing my payment. Now i am afrain i will lose my home not being able to afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: DE

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 2017-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Debt collector is not bonded in the State of Texas and bond has been cancelled since  1998 . It is attaching other names to their own in order for them collect in the Texas.

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 2017-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On  XXXX   XXXX ,  2017  I was hired by  XXXX   XXXX  and given an employment offer letter. I was hired by a  XXXX   XXXX   XXXX  who then instructed me that I would be training for a week and that I need to purchase software and a time tracker in order to go forward with the training. He also informed me that I would need a laptop and that if I did not have  one  that  XXXX  would provide one for me. Towards the end of the hiring interview,  XXXX   XXXX  told me that a check would be issued to me for the purchase of the software I would need. I received the check  (  {$2900.00 } )  and was instructed to deposit it and once it had cleared I was to send the money to the vendor to purchase the software and time tracker. The first check was not sufficient to pay for the laptop also, so another check  (  {$4800.00} ) was issued and sent for that purchase 2 days later. I was instructed to deposit that amount into the vendor 's account via   XXXX   XXXX   XXXX   XXXX  and informed that my laptop, various softwares and timer would arrive by the following monday. On Monday I received a third check for {$12000.00}. At this point I became suspicious because I had not received any working/training materials and was being asked to deposit another check to purchase a different set of equipment. It was at this point, I went to the bank manager and after some investigation she determined the check was fraudulent. My bank then contacted the bank of the issued check and they confirmed the check was not a real check. At this point, the monies for the first   XXXX  chec ks was withdrawn from my account by my bank because they were deemed to ba fake as well.   Now, I have lost {$ 7700.00} ( {$2900.00} + {$4800.00} ) due to this fraud/scam and Wells Fargo (  my bank ) will not reimburse or credit my account and my account is now negative with a negative {$3100.00} balance. I have everything documented. I have printed out the entire conversation between myself and  XXXX   XXXX  as well as all company documents i received.   I would like to be reimbursed either by  Wells Fargo  or  XXXX  as both of these companies should have been more diligent and responsible in handling these checks and making sure that I was not scammed out of my money . Wells Fargo no t only did not inform me that the firs t  XXXX  che cks were fake, but they actually cleared the checks and credited my account with those funds and then took them out of my account after I blew the whistle on the third check. Now i have a $  XXXX  balance.  XXXX  should be more diligent than allowing scammers to have access to their letterheads, documents etc that were used to scam me.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient increase my payment from  XXXX  to  XXXX  back in  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I have a Credit Card with USAA, opened  XXXX   XXXX ,  XXXX  with a credit limit of {$13000.00}.   My balance is {$12000.00} I have made all my payments timely and violated no policies with USAA.   I have over 30 years credit history NEVER EVER missing a payment on any account i have ever had.   However, USAA lowered my credit limit from {$13000.00} to {$7600.00}, placing my account more than {$4500.00} over the credit limit This action has caused my  credit score  to drop dramatically by more than  XXXX  points This action also forces me to pay well over the average daily balance percentage agreed to in my contract with USAA.   USAA 's action has caused my " credit to Ratio '' to increase above 63 % This was a calculated action by USAA and I believe I will be able to prove USAA took this action for discriminatory purposes.   As a result of USAA 's unlawful actions, my C.L.U.E  XXXX  report score decreased causing all my insurance rates to go higher.   As of  XXXX   XXXX ,  XXXX   USAA  has NOT provided any notice to inform me of this action or the reasons for reducing my credit limit. No email, no phone call, no message through  USAA  's message portal and no letter via USPS.   below is a federal policy which regulates this issue, there are others with respect to average monthly payments and lowering credit limits below the card balance.      15 U.S.C. 1691   ( d ) ( 1  ). If the action taken by the creditor is adverse, which includes the " denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, '' the ECOA and its implementing regulation, known as  Regulation B,  require the creditor to send a written notice to the applicant.   15 U.S.C. 1691 ( d ) ( 6 ) ; 12 C.F.R. 202.9 ( a ) ( 1 ) ( iii ).
Regulation B specifies that the written notice must contain ( 1 ) a statement of the action taken ; ( 2 )  the name and address of the creditor ; ( 3 ) a statement of the anti-discrimination provision codified in 701 ( a ) of the ECOA ; ( 4 ) the name and address of the federal agency that administers compliance concerning the creditor ; and ( 5 ) a statement of specific reasons for the action taken. 12 C.F.R. 202.9 ( a ) ( 2 ). The statement of reasons " must be specific and indicate the principal reason ( s ) for the adverse action. '' 12 C.F.R. 202.9 ( b ) ( 2 ) " Statements that th  e adverse action was based on the creditor 's internal standards or policies or that the applicant... failed to achieve a qualifying score on the creditor 's credit scoring system ARE INSUFFICIENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: KY

Complaint narrative:
On  XXXX   XXXX , a dispute letter to the   XXXX   credit reporting agency was sent to validate the accuracy of a bankruptcy and    XXXX    ju dgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court . When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /   2017  and  XXXX  received the dispute on  XXXX  2017. On    XXXX  2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: KY

Complaint narrative:
On  XXXX   XXXX , a dispute letter to the  XXXX  credit reporting agency was sent to validate the accuracy of a bankruptcy and  2    XXXX  udgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX / 2017  and   XXXX   received the dispute on   XXXX  -2017. On   XXXX  -2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

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 2017-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX  not  XXXX    XXXX   XXXX   XXXX   del  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX   XXXX   XXXX    XXXX    de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  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 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: NY

Complaint narrative:
Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I created an account with Transunion in order to obtain a free copy of my credit report as advertised. I was charged {$25.00} and automatically enrolled in a monthly subscription. There is no way I could have reasonably avoided these charges and this information is not displayed or explained at all before you submit your information. This is clearly a UDAAP violation. I called them and a representative stated I should have called and inquired before the charges ran on my card.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in  XXXX  of  2016.  I now see a 90 day late payment from time frame  XXXX   2016    to  XXXX     2016.   This is effecting my credit by about  XXXX  points, keeping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX  not  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX    XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  A   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  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 2017-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.

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 2017-05-03 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: NC

Complaint narrative:
Equifax,   XXXX   and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry s top going into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was assessed another overdraft fee today after being charged {$72.00} in fees yesterday. I spent all day calling  XXXX   XXXX  a t PNC  who never called me back. I called her several times, left  XXXX  messages and emailed her. I 'm being punished for being poor so the bank can make money for their shareholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
we had aclose death in our family, I did not look at my statement and made what I thought was my regular payment, I was  XXXX   XXXX  dollars short, not late! I told them i would gladly pay all penilties with my next statement. We have recived constant calls daily, even when we told them to stop calling! We got calls before  XXXX   XXXX  and after  XXXX   XXXX , I have all on my caller Id or I can get a copy of calls from   XXXX   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 monetary relief