vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion Credit Bureau refuses to remove two tax liens on my credit report.  I have disputed both of them 9 times in the past 9 months.  I had filed disputes with XXXX and XXXX and they both removed the tax lien information.  I have received letters from both the IRS Federal and The State of Michigan saying that the amounts are paid and the information should be removed.  I sent copies of these letters to TransUnion.  They still refuse to remove the lien information.  I filed a dispute again today.

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 2017-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan has not provided accurate legal document to foreclose -they have n't done due diligence and do not have the legal standing -authority to act as a substitute trustee as they do not represent the lender -nor do they have the correct deed-note and payoff-they have filed incorrect -unauthorized documents to county recorder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On a {$27.00} principal balance this company is charging {$70.00} in fees and interest. they continue to add {$35.00} per month as a " fee '' plus interest. I have paid the statement balance on the original principal amount due of {$27.00} in the full amount owed at {$60.00}. They refuse to accept this payment as paid in full for the {$27.00} balance which was also for additional fees and interest in XXXX. They continue to add fees and interest onto no transactions and no additional use of the card, simply charging fees and interest on fees and interest. Please have this company zero out my balance and cancel this card as I instructed them to do so months ago. Please do not allow them to continue to charge me fees in excess of 100 % of the principal balance owed. My final payment was mailed XXXX-XXXX-2017 in the amount of {$60.00} which I believe to be a gross overcharge, however they want an  additional {$35.00} for an additional fee plus an additional {$1.00} interest on their late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Dear CPFB, I believe Navient illegally shorted me on tax returns, and raised my payments rates to my student loans in error/ no provable reason. I have never paid a penny in interest on anything but my student loans, my credit is outstanding, and I have never missed a payment. I have also made additional payments in the past on top of my regular payments. Due to their lack of correspondence and information provided to me despite my emails and calls, they have not given me any proof to or calculations of why they have charged me more and shorted my tax return. I am happy to speak more to explain in further detail and send more information to help file suit. 

I believe Navient should be investigated for fraudulent activity - especially their handling of customers who were with XXXX XXXX before accounts were handed off to Navient. Many customers like myself likely signed up for a 10 yr plan to payoff the loans. Significant correspondences from when my account was under XXXX XXXX has been lost under the transfer to Navient, and it is negligent that it has n't been preserved and unfair to the public because XXXX XXXX had locked out access to accounts online during the transition so there was no opportunity to save original data/documentation/correspondences from the user-end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
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All Inquires were submitted without my permission.

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 2017-09-28 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX

All Inquires were submitted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My sister was recently contacted by a so called " debt collector '' stating that she was over {$2000.00} in debt with HSBC. She asked the company to verify her account number and the account number they had on file did n't match any account numbers she currently has. My sister also checked her credit report and none of the account numbers listed on her credit report matched the number the company gave her. The debt collector that called her is now harassing her by nonstop calling her and leaving her multiple voicemail messages stating that it is in her best interest that she calls them back. They have also threatened to sue her and contact her employer to garnish her wages if she does n't pay them the money owed. Now since my sister is not answering their phone calls, they have now contacted myself, both of my parents, and my aunt to try and get a hold of her. The number that contacted me was XXXX. They left me a voicemail asking for my sister and stated that she needed to contact them immediately. The number they left for me to contact them was XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed. 
They are violating laws established for reporting on someone 's credit report. I want this removed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
XXXX XXXX is trying to collect a debt for XXXX and I have no business with neither one of them nor have I ever. 

Ive requested proof of this debt and rep told me she do n't have to provide it ; Ive never used XXXX before in my life!

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 2017-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks

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 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The company keeps reaging the account on my credit report. 
Please remove convergent isnt bonded to collect in 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 2017-09-28 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: MOHELA
State: NC

Complaint narrative:
Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: AL

Complaint narrative:
Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: CT

Complaint narrative:
DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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 2017-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient processes my student loan. There is no option on the initial payment method online to make additional payment to principal. This is misleading to the consumer and creates a situation that takes advantage of the student who may have a low level of understanding of the process. In order to pay beyond the standard payment two separate payments must be made. This is not clear or instructed anywhere that I can find online

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Option Funding, Inc.
State: CA

Complaint narrative:
I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. 
Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. 
During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I filed an application over the phone with Wells Fargo home equity for a HELOC. I applied for a HELOC over the phone with XXXX XXXX. Unfortunately, there were errors in the application that I have now found out about today when speaking with an extremely unprofessional, unhelpful and incompetent loan specialist, XXXX XXXX ( License No.  XXXX ), out of the XXXX XXXX XXXX office. XXXX was not able to answer many of my questions and revealed that very much of the information provided in the application filed by XXXX was incorrect. XXXX made incorrect statements about the HELOC product structure and underwriting guidelines. I have no confidence in the entire application process. After filing on the phone, I should have immediately been provided a copy of the application for formal approval in writing or electronically PRIOR TO submission to underwriting. I believe there have been violations of federal disclosure laws. As it stands, I still have not signed in writing or electronically a formal application to Wells Fargo, yet they have made a hard pull of my credit report from reporting agencies. 

Unfortunately, as noted above, XXXX was not familiar with XXXX XXXX and XXXX XXXX guidelines regarding many of the questions in the application. The Wells Fargo application via phone process is fundamentally flawed. You have people not qualified filling out applications, which are then not forwarded to the applicant for review prior to submission to underwriting, which allows for many potential mistakes and outrageous underwriting errors. Then, you have " loan specialists '' communicate underwriting decisions, but these specialists also are not fully informed and giving out incorrect information. This whole process is a DISASTER! I funded my last mortgage with Wells Fargo, but will NEVER bank with Wells Fargo again. I am closing all my current accounts with the Bank.

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 2017-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Data Corporation
State: FL

Complaint narrative:
In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: CT

Complaint narrative:
DISPUTE GUIDEPRINT XXXX XXXX  XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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