vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent, via certified mail, TransUnion a Method of Verification Request for a collections account, XXXX XXXX XXXX XXXX. TransUnion received and signed for the request on XX/XX/XXXX.

By federal law TransUnion has 15 days to provide me with the description of the methods used to verify the account. After having not been provided with the requested information, on XX/XX/XXXX I sent TransUnion an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, TransUnion has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get TransUnion to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX account, or delete the account from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit reports state I have a Serious Delinquency on my Chase Mortgage. Chase is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by Chase From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by Chase reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called Chase in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from Chase in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called Chase in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
Weve had this loan ( refinanced a couple years ago and the loan was sold to suntrust ) and hadnt had any issues until we signed up for bi-weekly payments. Since signing up the bank has had a hard time applying to money they take from our checking account ( we have automatic withdrawal ) to the mortgage. Twice they took the money and kept it in a holding account and then sent us a letter saying we were going to be late. We got that figured out twice. Then now I check the mortgage and the loan amount has gone up by {$1000.00}. Loans are suppose to go down. Well we had {$4000.00} in a holding account but their app was telling me that the payments were being applied. So now they have our money and are charging us interest on a loan theyre not paying. That is theft in my opinion. Weve had no-weekly payments set up since XXXX and have yet to have they payments applied correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I've been trying to find out how many qualifying payments I made on the Federal Student Loan Forgiveness program while I worked for a previous qualifying employer. XXXX XXXX keeps giving me inaccurate information ( for months now XXXX and now they are ignoring my emails entirely. 

I worked for a qualifying employer for student loan forgiveness ( XXXX of XXXX ) and made qualifying payments for approximately 21 months from XX/XX/XXXX through XX/XX/XXXX yet FedLoan Servicing says that I only made 10 qualifying payments, which is incorrect. It should be more like 21 or 22 qualifying payments. 

They have now refused to even answer my emails & are some of the most incompetent people I've ever dealt with. It shouldn't be hard to figure out the correct amount of payments & send me the correct information. I've called and emailed several times and they still can't give me the correct information. I hope this complaint will help them remember that they should never ignore their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I don't have knowledge of this account nothing in mail with information about this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Good afternoon, On XX/XX/2019, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX mortgage company has paid two insurance companies and added their own insurance to my house. Causing a shortage in my escrow and raising my mortgage payment from XXXX to XXXX. I have called the customer service department consistently since XXXX, and every time I speak to a CS rep or the escrow department, they clearly see something is wrong. After speaking with them ( Customer service or escrow ) I get a letter shortly after stating there is a shortage in my escrow and raise my mortgage. The CS department can see that in XXXX they paid 2 insurance companies for homeowners insurance one for {$2600.00} and another for {$3800.00}. After 4 months of going back in forth with them I was told I have 2 active insurance policies on my home. One insurance company refunds the insurance premium ( {$2100.00} refunded to my escrow account, I receive a check for {$450.00} ) and also sends a cancellation later. They ( mortgage company ) presume that the house is not insured and add there own more expensive ( {$3600.00} ) insurance to the home. I still currently have 2 insurance policies on my home ( original payment of {$3800.00} ) and the Company provided insurance policy ( {$3600.00} ). The latest letter received stated I had a shortage of {$5600.00} and my mortgage payment will be {$1700.00} starting in XXXX. I see the issue and the CS department can see something wrong but the problem never gets fixed. I originally bought the house for {$130000.00} in XXXX my mortgage payment was {$1100.00}. I currently owe {$92000.00} on the house and my payments are {$1700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Greetings Sir or Madam, I am writing about a student loan that I paid off in 2013, but is still appearing on my credit report. 

When I went to the XXXX XXXX of New York, I took out loans with Sallie Mae/Navient. After leaving school I consolidated those loans and made a bulk payment of XXXX from my XXXX account on XX/XX/2013 ( It shows up as XXXX Student loan payment '' ). When I made this payment I did receive confirmation that my student loan debt was paid off as well. 

I have not received phone calls about account issues and my phone number has never changed. 

My credit report shows all of the Sallie Mae/Navient accounts as closed, but there is only one balance as still unpaid and the account name is " U.S. DEPARTMENT OF EDUCATION ''. 

Recently I had {$7000.00} taken from my federal tax returns by the IRS/Dept of Ed ( which has never happened before ) I assume? I am currently trying to find information, but it is very difficult to get in touch with the Department of Ed, as well as Sallie Mae/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I have Accounts with Union Bank & Trust located at XXXX XXXX XXXX, XXXX, VA XXXX. On XX/XX/19 I called the same branch and asked for a manager to talk to as my problem requires some person with good banking knowledge to be resolved. The person who picked up the phone said his name is XXXX and he is a manager.

I asked him that I wanted to go over a {$12.00} penalty that they charged for a cancelled transaction. I provided him, bank account number, and account co-owners name. Number of accounts we have along with the current balance for each of these account.

However, Mr. XXXX was insisting me to provide me my full social security number. I do not know his background and I was very uncomfortable to provide him my full social security number. I offered him my last 4 digit of my social security number and any other verification information he needs. No, Mr XXXX told me that he can not help me without my full social security number or I have to go to their branch with my drivers license. 
Is it legal to ask consumers for the full Social Security number? In banking with large banks like XXXX, XXXX XXXX XXXX and my Mortgage bank, in no time anyone asked for a full Social Security. I wanted to notify you so that you can advise me what I need to do. I will have to stop doing business with Union Bank. We have decided to close our accounts with Union but wanted to share the improper practice by union Bank and Trust

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: TX

Complaint narrative:
My credit reports state I have a Serious Delinquency on my XXXX Mortgage. XXXX is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by XXXX From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by XXXX reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called XXXX in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from XXXX in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called XXXX in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent, via certified mail, Equifax a Method of Verification Request for a collections and a closed account, XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. 

Equifax received and signed for the requests on XX/XX/XXXX. By federal law, Equifax has 15 days to provide me with the description of the methods used to verify the accounts. After having not been provided with the requested information, on XX/XX/XXXX I sent Equifax an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, Equifax has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get Equifax to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX and XXXX XXXX accounts, or delete the accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo is stating I have {$3.00} outstanding however I called multiple times and all accounts are paid in full. This has affected my score by 40 points

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 2019-02-25 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: LA

Complaint narrative:
I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/2018 via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/2018 there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, NJ XXXX. 
I currently have a mortgage with XXXX and my loan # is XXXX I applied for a modification in XXXX. XXXX my mortgage lender sent the trial modification to the wrong attorney. During the process me and my current attorney couldnt figure out why we hadn't recieved a response from XXXX. Months later my attorney suggested that i file a Chapter XXXX. A few months after filing chapter XXXX we noticed that the payments that i was sending to XXXX was sent back to me and we were perplexed as to what was going on. Finally I ( not my attorney ) recieved a letter regarding Foreclosure. My attorney and I couldnt understand why. Later after calls back and forth with XXXX they told us that a modification was sent out and because I nor my attorney had not responded to the Modifcation Offer they put the house in Foreclosure. The Modification Trial was sent to the wrong attorney. My self and my attorney made several phones calls and I called XXXX and this is how i eventually found out that an offer was in fact sent in XXXX of XXXX. I asked XXXX could they send me a copy of what was sent out months ago regading the offer and when they finally sent me the letter i saw that it was address to the wrong attorney which explains why we never recieved the offer. My current attorney has been in contact with XXXX attorneys and we have explained to them over and over again that the original offer was never to sent to either of us. We are asking XXXX if they could resend the offer as I do not want to loose my home but to no avail. As of this day my attorney is still awaiting to hear back from XXXX attorneys. Last week a recieved a letter stating that my loan was sold to another lender. I am affraid that XXXX is not trying to help resolve this error that they made. If this offer was sent to the correct attorney in XX/XX/XXXX I would not be in this position as we speak and I would be a happy homeowner. All I am asking is that XXXX make this right because of their wrong and re-offer me the Modification Trial Offer and remove my home from Foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have an account with fifth third bank, where students aren't supposed to have a monthly account fee, but I brought them proof I'm a student and they still charged me the fee, I called them up about it and they said they can't help me. Also when I opened the account I was offered {$250.00} for leaving {$500.00} in there for 60 days, but now that they charged me a fee my balance went under {$500.00} so I can no longer get the bonus ( because of a mistake they made ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I was in the process of refinancing my mortgage and discovered a {$35.00} debt from Eastern Account System ( EAS ). I contacted EAS on XX/XX/19 and spoke with XXXX to have this deleted from my credit report, and was told that if paid, EAS can not delete from the credit report. 
Contacted EAS on XX/XX/19, and spoke with XXXX in second attempt to have the {$35.00} debt be deleted from my credit report, and was told " the only thing they would do is show a paid in full with a {$0.00} balance. '' Asked to speak to a supervisor, and spoke with XXXX, and was informed that EAS could not delete the {$35.00} debt from my credit. 
I have never received any communication of this {$35.00} debt, nor did I receive any communication stating the {$35.00} debt would be put on my credit report, which has negatively impacted my credit score

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