vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

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 2017-06-23 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: WA

Complaint narrative:
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

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 2017-06-23 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: WA

Complaint narrative:
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank is not sending accurate information to an application. I have funds and it is showing that I do not have any.

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 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
On X/XX/17 I entered but dispute for a transaction that was made in Michigan unauthorized by me I have called 83 times and spoken to 17 supervisors and they tell me it will be resolved in 24-48 business hours but I never hear back! This is not the first time this has happened and I currently have three open to disputes of which two were shown favorable by mail and I have yet to be credited to my account. One letter indicates that I received a credit on XX/XX/XXXX but I never dead and the only reason I have not closed my account is because my XXXX check goes on to the card. Last year our money was lost for a long period of time so I 'm phones never returned but this year I ca n't take any losses I have been a customer for over 10 years in the last three years I believe that the company has been running up at the goalie not resolving disputes and not crediting phones they send us all a circle of phone calls with foreign agents and you can never get your money back or get anything resolved. I 'm afraid and needs those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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:
My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage to 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 2017-06-23 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: Conn's, Inc.
State: TX

Complaint narrative:
On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/17 I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XXXX17 that the investigation may take up to 30 days. It is now XXXX/17 and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.

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 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I 've contacted this company twice since XXXX to provide me with proof that this account is in fact mine, which it is not. They have not provided me any proof and they are reporting negative information on all XXXX of my credit reports.

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 2017-06-23 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:
This was to be a loan forgiveness. I graduated in late XXXX. I was to pay for 10 years and the loan was to be forgiven if I worked in the public service field. I was told my profession qualified ( NC XXXX ) and was told by the representative at the time how to fill out the paperwork. I am right at 9 years in paying, auto draft each month, so I have never been late on a payment. When I called to check on when It would be paid in full, I was told I had NOT made any qualifying payments. I was told by the representative how to fill it out so it was done correctly. I was told Mohler, the company who bought out the original student loan that my option was to increase my payment or refinance for 10 more years at almost XXXX higher a month. I now pay XXXX and some change a month. I was told I qualified and the payment set up by them and now they say It was n't qualifying payments and I have to pay another 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am currently unemployed and sought to ask for Lowering of my students Loans. Incidentally XXXX ( Navient ) gave my 6 different students Loans each with with Higher Interest Rates to the tune of 15 %, 12 % and 11 %. Navient has categorically refused to Consolidate my six different Loans over the years and thus has proceeded to deny me any chance of lowering my student debt. My students are Private student Loans and Navient has over the years refused to enroll me in any program and subsequently led me to file for Bankruptcy Chapter XXXX last year ; with only student Loans as my only Debtors. The Judge in the Bankruptcy case advised me to drop the Bankruptcy case since my debtors were mainly only Navient and I dropped it. I then asked Navient for a lowering of my monthly payment since I am unemployed and they refused. They rather kept calling my home and threatening me and after further threatening me to report late payments to my the Credit Bureaus ( which incidentally will adversely affect my ability to procure a Job ) ; I borrowed money to pay them last month and this month the whole scenario begins again. I need HELP to let me pay the amount I can afford to Navient before they destroy my credit history. I want to be in a program that will prevent adverse reports on my credit reports. My Account Number for Navient is XXXX. Loan Group Number : XXXX. Loan ID - XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have checked my account balance online on my app and it has a different amount than what is posted on the app called XXXX. This happen today XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
The transaction of my bank ( Simple by BBVA Compass ) should update to my XXXX account in every payday, which it did n't.

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 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My balance is n't updating in a timely manner

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 2017-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been contacted several times in the last week by XXXX XXXX regarding a supposed debt with Wells-Fargo. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.

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 2017-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
Issue with AES misapplying student loan payments in late XX/XX/XXXX/ early XX/XX/XXXXand after payment correction they reported one of the loans as defaulted on my credit report and on their website. I submitted this letter via website and via fax to AES. This issue has not been resolved. Account # XXXX - Loan Sequence # 2 AES has a confusing practice of handling loans. The reps do not relay the same information from call to call. Mishandled payments and told me everything was ok after payment resolution and then they proceeded to report a defaulted loan. One account number with 3 loans and I could never talk to one rep about all 3 loans. <P/>RE : URGENT - Appeal Request - Reinstate XXXX Loan Request I am requesting an Appeal to reinstate the XXXX Loan ( XXXX ) currently in Default Status. I have two other loans ( XXXX Loan - Type XXXX ) and ( XXXX Type XXXX ) that are both in good standing. My account history will show that payments were always on time until the misapplications of payments began to occur in XXXX. Over a five month period inXX/XX/XXXX ( XX/XX/XXXX ) calls were made repeatedly to AES requesting that payments be re-applied correctly. It wasnt until Supervisor XXXX ( check my records for her rep id ) suggested that the problem required a review of the entire account in order to accurately correct all misapplied payments. Prior to this time the reps were only requesting investigation department correct the month in question and not going back to first occurrence of the problem in XX/XX/XXXX. InXX/XX/XXXX there was one more occurrence of misapplied payments. After each request a follow-up occurred to see if the correction was complete and each time the representative stated that the payments were corrected and that the entire account was current. On, XX/XX/XXXX I spoke with two reps prior before speaking to a supervisor for assistance. Supervisor XXXX ( rep # XXXX ) confirmed that my other loans are in good standing and did not find any issues with my payment history. He was unable to assist me further hence the purpose of the request. I request that you reinstate the defaulted XXXX Loan ( XXXX ) with the consideration that I had an exceptional customer history prior to this mishap and that you understand how the following facts directly contributed to the defaulted XXXX loan : 1 ) five months of misapplied payments, 2 ) two loans with same due date not clearly distinguishable to AES reps during calls, and 3 ) lengthy payment correction time. Please accept this request that I deserve to have the loan reinstated and not have my credit ruined as a result of these events. I have never defaulted on any loan ever. It is my desire that you provide exceptional customer service that is a direct reflection of me being a valuable AES customer. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I called the credit bureaus and they stated they could not have them removed even though I told them they are not mine and there was no verifiable information linking me to the credit inquiries.

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 2017-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a student loan that was initiated with XXXX XXXX which they serviced for 3 years. In that time frame while in school interest had been accruing without making payments. Once I finished school, I began receiving statements by mail and began making payments. After about 3 payments I received notice that the loan was going to be transferred to NAVIENT to be serviced.
<P/>
My problem is this.
1. They will not mail statements.
2. They used to provide a monthly statement online ... .That dies not exist anymore.
3. They do not provide a break down of principle and interest for each loan.
4. There is no way to reconcile my payment for said principal and interest.
5. There is no customer service. I have made numerous attempts to discuss this matter by e-mail and telephone. There is no one able to explain the practice ... .they say it is just the way it is.
<P/>
They are not disclosing interest breakdown because of the following : If you add up the minimum payments on the loans, it is not enough to cover the interest meaning that you will never make a principle payment. The affect of this is catastrophic when interest is compounding on top of interest. It takes the loan which is on average 6.5 % and increases the interest to 28 % for infinity because the principle is not reduced.
<P/>
So, am I supposed to accept that their information is correct?
This is a disclosure issue and unless I do my own math I have no idea what my payment breakdown is.

Company response to consumer: Closed with explanation