vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) helped me with having my Bank of America account ending in XXXX reported by XXXX and XXXX ( thank you! ). Upon reviewing the credit report, however, the High Credit balance is being reported as {$14000.00} ; but my credit limit has never been above {$13000.00}. I spoke to XXXX at Bank of America on XX/XX/XXXX, and he confirmed my credit limit was increased from {$10000.00} to XXXX on XX/XX/XXXX. He could not locate a high credit balance of {$14000.00} from XX/XX/XXXX to the present. He stated I would need to start a dispute with XXXX. I submitted a dispute with XXXX the same day ( XX/XX/XXXX ) under confirmation number XXXX. XXXX responded on XX/XX/XXXX with dispute results ( attached ) indicating Bank of America verified the high credit balance is being reported correctly. XXXX also indicated additional questions should be directed to Bank of America. The XXXX dispute report includes Historical Account Information listing a " High Credit '' balance of {$14000.00} dating back to XX/XX/XXXX ( i.e. XX/XX/XXXX ). I could not have had a high credit of {$14000.00} in XX/XX/XXXX because my credit limit was only {$13000.00}. Bank of America would have had to provide some type of waiver for me to exceed my credit limit. Also, per my previous discussion with the Bank of America representative, no {$14000.00} balance exists on my account dating back to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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: MI

Complaint narrative:
I had student loans starting from XX/XX/XXXX. Once it was time to start paying I called us doe, was told XXXX XXXX had my loans. Called XXXX XXXX and they informed me Navient had them. Navient was adamant they did not. Spent 2 years you g back and forth looking for my loans. I gave up. Fast forward to XX/XX/XXXX XXXX XXXX tells me that NAVIENT sold my loans to them. Too late, they had been in default for a while. I had to rehab them. Meanwhile my credit score drops severely. I pay XXXX XXXX for 10 months only to find out they got transferred BACK to Navient!! I do n't want to deal with these people and have to worry about if they 're going to do me dirty again. I should have never been in this situation to begin with. Navient lied to me about not having my loans when they did and it hurt me since I was not able to make my payments. What can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at TransUnion,   XXXX   and Transunion they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up. TransUnion told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 2017-06-26 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: MN

Complaint narrative:
I have contacted Equ ifax MULTIPLE  times regarding addresses that do not belong on my credit report.   Incorrect Addresses :  XXXX   XXXX   XXXX ,  XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MN  XXXX  I have received multiple confirmation that these address have been deleted from my credit report yet they are still there.   Confirmation  XXXX  completed  XXXX / XXXX / 2017  - results items were deleted. Items still on my credit report so I filed another dispute  XXXX / XXXX / 2017  completed  XXXX / XXXX / 2017  however a results was never populated I called  XXXX / XXXX /   2017   XXXX  told me this has not been done, she created another dispute  XXXX  to have the addresses removed. WHY are these addresses not actually being removed but you continue to send me information these have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My Loan Care - new servicer of mortgage.
Does not respond to emails, all phone lines have been disconnected or are always busy. Unable to log-in into my account online ( which previously worked ) in order to ensure my payments are being properly processed.

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 2017-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Although I have submitted 5 payments to my student loan company totaling {$2100.00}, they are only crediting {$500.00} to my account. I emailed the company and was told they did not apply it because I did n't specify where I wanted it to go. I have 2 student loan accounts with them and neither were credited my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX ,   XXXX   and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX , Experian and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 2017-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: IN

Complaint narrative:
On or about  XXXX / XXXX / 17  I started investigating an IRRL. I scanned and sent info to start the process. After a couple of days I was told by the Rep that I would have to get a  XXXX  acct to get the lowest rate. I sent a msg on  XXXX / XXXX /   17  that I was not going forward with this. I received a msg to do an  XXXX  which I did not do.   XXXX   XXXX    env elope postmarked  XXXX / XXXX / 17  with notice dated  XXXX / XXXX /   17  that our credit had been pulled came in the mail while we were out of town the week of  XXXX / XXXX / 17 .   I see two things wrong here. Telling me to get the lowest rate I had to open a  XXXX  acct and pulling my credit before my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Ocwen Financial Corporation
State: LA

Complaint narrative:
I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that Ocwen would not issue me BUT now Ocwen will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and XXXX when they try and call Ocwen they get a different person every time and a different story every time. Neither XXXX nor XXXX will correct the XXXX late payment based on the multiple letters from Ocwen to me. They tell me they must verify with Ocwen and Ocwen will not verify they reported it incorrectly when the bureaus call them. I have that in writing from Ocwen with the letter dated XXXX XXXX. Ocwen then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by Ocwen. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is in regards to my Toys R Us Charge. In on XX/XX/XXXX, with a XXXX balance on my card, I made a {$28.00} purchase, but did not receive a statement in the mail. I called on XX/XX/XXXXto inquire about my statements, I was told they were set to electronic and I asked to have that changed to paper. I paid the balance of the card, and returned it to XXXX. Because I keep a XXXX balance, I am not mentally aware of the payment cycle and require statements to remind me of payment amounts and due dates. In XX/XX/XXXX, I made a total of {$230.00} in purchases. In XXXX, I called because I still had n't received my statement. I was told it was mailed on XX/XX/XXXX, to which I stated that it was a Federal Holiday and the USPS was closed. I was assured I would receive it. I made several more calls advising that I had not been receiving statements until XX/XX/XXXX, when I was told that the spelling of my City was not correct, and it was updated. I asked for copies of all the back statements. I sent a letter on XX/XX/XXXX requesting that the late charges be credited back to me and any interest paid on those charges be credited back as well, due to their error in sending my statements to the wrong mailing address. I received the back statements in the mail, as well as subsequent statements but no response to my written request, it has been more than 60 days. I have again brought the account to a XXXX balance. I paid a total of {$350.00} for {$230.00} in purchases. The fees and interest totaled {$120.00}, over 52 % of the total cost of the items. The resolution I am hoping to achieve is a refund of the late charges and interest paid on those late charges. The issue receiving my statements has been addressed.

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 2017-06-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of 2016 I purchased some furniture from Bassett furniture, and decided to use the wellsfargo card they offered and utilize the promotion they had. It was deferred interest for a year I made three sepetate purchases. One was for a large amount the other two were smaller amounts. Throughout the course of the year I made payments toward my balance with the understanding from them that all the money I was paying was going toward the main first promotional balance. I am close to the end of my first promotion and was going over numbers and realized that the money I was paying all this time was indeed not going to my main promotion. When I called them to ask what was going on, I was informed that I did not have a credit card but a loan. I began to explain to him I did n't take out a loan I had have a credit card, a XXXX card, and that every month I get a credit card statement. He decided to continue to belittle my intelligence and offer no help, rather pass me off to a supervisor. I spoke briefly to the supervisor and he said that I should of known this was how they operated, that he would get back with me, but never spoke about how out of the twenty times I called over the course of the year the employees should n't of lied to me. I would of not made any purchases with them had I know this, much less numerous ones. PLEASE do not for any reason use wellsfargo bank card service for any reason. They do not operate like any other card companies at all, they make sure you are undable to pay off any of your balance on time, and will lie and twist the truth to get you to use them. I have used many promotions and neve have I been scamed like this.

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 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Will have to review dates, amounts and actions that I took in response to charge made by XXXX . XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All amounts charged by XXXX . XXXX were disputed both with credit card company and with XXXX . XXXX. Refund was issued by XXXX . XXXX. For some reason the statements that were filed in response to the last complaint issued for not receiving accurate information through online account system regarding payments and not receiving statements regularly included " re-bills '' of the amounts charged by XXXX . XXXX. This was not agreed upon and since the amounts were initially disputed and refunded over at least two and half years ago, they appeared re-billed on the statements in XX/XX/XXXX or XX/XX/XXXX. Again, this is the type of activity that raised suspicion whether or not the balance reported through this credit card company was accurate.

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 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Regarding a loan with Bank  United  in  XXXX , FL : The loan was originated for {$710000.00} in   XX/XX/XXXX  a nd was a negative amortization loan for a property in  XXXX , VA. It peaked in cost at approximately {$760000.00 } ( du e to negative amortization ) in la te  XX/XX/XXXX  ( Bank United has been unable to provide me exact numbers to date ). In  XX/XX/XXXX  the loan was modified by Bank United to its current state ( Bank United did this of its own acc ord ).   The property price was over-inflated and the bank did not use appropriated methods to approve the loan. Despite repeated requests over the years, the bank will not modify or refinance the loan and the home can not be sold for anything close to the outstanding amount of the loan. The only offer received has been for {$380000.00} and the outstanding balance is {$680000.00}.   I have repeatedly asked the bank for information and accommodation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2017-06-26 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Since  XX/XX/XXXX , I have been exhausted trying to communicate with  XXXX   XXXX   ( currently   Navient ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls an d I c ontinue to be unsuccessful in my efforts. My most recent request was faxed to Navient and included specific documentation from my credit report on  XX/XX/XXXX  and I  received an email which stated that I would receive a response withi n 5  business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of  XXXX . Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage

Company response to consumer: Closed with explanation