vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: AZ

Complaint narrative:
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -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 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CA

Complaint narrative:
Earlier this year, when Navient notified me via email on XX/XX/XXXX, that my student loan payment would increase, I followed the online link to renew Income-Drive Repayment for another 12 months. I received confirmation from Navient that my IDR had been approved via email on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Navient that my monthly payment would increase to {$620.00} as of XX/XX/XXXX.

I sent an email on XX/XX/XXXX, to the Office of the Customer Advocate, posted on the Navient Web site as  XXXX, with the following email : " Dear Navient advocate : Thank you for reading this letter. 

I just received an email from Navient stating that a payment of {$620.00} -- the full amount that would be due under a non-income-based repayment plan -- is due on XX/XX/XXXX, despite my having renewed my request to Navient for an income-based repayment plan earlier this year. In fact, Navient sent me an email on XX/XX/XXXX stating that my IDR had been approved. My payments for the past year have been {$220.00} per month.

A payment of {$620.00} is nearly half what I pay for rent. I work part time as an XXXX XXXX   and am unable at this time to make payments that high.

Would you please investigate this matter and adjust the amount due? Thank you.

Regards, ( my name ) '' On XX/XX/XXXX, I received another email from Navient stating that a new loan document was available and to log in to my account. When I logged in, there was no new document. There has been no response at all to my email of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Greetings, I am filling a complaint against XXXX XXXX XXXX also known as Sequium Asset Solutions as well as XXXX XXXX. The complaint is that they never sent me any written notification of a debt or contacted me via email, phone, nothing. No communication at all. I found out about the debt when I applied for a car loan and was completed blindsided that I had a negative mark on my credit report from XXXX XXXX XXXX also known as Sequium Asset Solutions. 

After doing some research and looking into the situation I now know what happened. The original debt was with XXXX XXXX. When I first got my service installed they had the wrong apartment number listed. They fixed it in there system and to my knowledge everything was in order but they ended up billing me twice ( which I was unaware of ). The second bill was listed to the wrong address so I never received any notification from XXXX XXXX about the debt either. I always pay my bills on time and have never had an issue with my service from XXXX XXXX so after spending an hour or two on the phone with XXXX they apologized for the mix up but said since the debt was with a collection agency I would have to deal with them. The agency they directed me to was Sequium Asset Solutions. I was a little surprised since the debt was listed on my credit report as XXXX XXXX XXXX. That's when I found out they're the same company. Anyway, I explained the situation to them to which they didn't care. They just wanted their money and since I wanted it removed from my credit on XX/XX/XXXX at XXXX I paid the amount of {$130.00} in full. Since paying the debt they have neither removed it from my credit report or reported it as paid. It still shows up as an unpaid open account. 

I feel very cheated that I was not given any notification about this debt and therefor had no chance to pay it before it was reported to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX Capital One incorrectly reported my account status for account status ending in XXXX as 30 days late. I have tried to resolve this with capital one however they are not doing anything to take responsibility for their mistakes. I have spoken to various representatives from capital one at which point they all stated that I am in fact current for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The  documents are even posted on my online profile to verify I in fact have never been late on my account. Attached are documents from screenshots I took just moments ago. This is the United States Of America, and as a citizen I refuse to have my rights violated by Capital One under the fair credit reporting act. Im being denied credit and am suffering personal loses because of it. I have spend hours disputing this information and nothing is done but I refuse to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I am frusterated we are trying to work with the lender and are gettting no where. At some point I was offered a XXXX Trial Payment Plan for a modification, we made one payment and then I a hardship with repairing my car, we were unable to continue the remaining 2-3 trial payments, that became cancelled. 
We then contacted few non profit agencies, we law firms, paralegals and got some advise and free consultation however we re-submitted for a change in circumstance ( hardship request ) and have been told we don't qualify for a modification or home retention options until XX/XX/XXXX. 
We have been working with a 3rd party agency XXXX XXXX they tried to submit hardship documents and do an appeal and the results of the appeal are attached. 

Here is a timeline of whats been going on, on our account XXXX nos XX/XX/XXXX submitted XXXX bk filed XX/XX/XXXX in review XX/XX/XXXX denied and never got denial paperwork underwriter said send in appeal XXXX got appeal decision saying reapply in XX/XX/XXXX ( see attached ) We have been trying to work with Mr. Cooper since XXXX, we ended up filing chapter XXXX BK to save out home from going to foreclosure, however we got a new sale date coming up in XX/XX/XXXX. We don't have any liquid assets to bring the loan current, we just want to accept a capitalized mod, of flex mod programs specifically related to this investor so we can come current and make our trial payments continously. 
This is our home, our retirement for our children, I am terrified of loosing our home, I wish that the lender can review our updated income, assets, financials to determine we have a solid hardship and re-review this file again. We are seeking your help to determine what " home retention '' options will be availble for us, XX/XX/XXXX is many months away and we can not loose our home. Please help us escalate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ),  XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller  coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been communicating with Bank of America since XX/XX/XXXX regarding a temporary financial hardship. My mother was ill and then died, leaving me with paying her bills until I could sell her house. XXXX XXXX delayed things further. All this time I had been communicating with Bank of America via written correspondence and providing whatever documentation they needed. In spite of this, they began foreclosure proceedings. My estate attorney permitted me to do a partial distribution of the estate funds on or about XX/XX/XXXX. I sent Bank of America a payment of {$7200.00} " to catch up '' on missed payments. They returned the check to me. The foreclosure proceedings continued and a date was set. On XX/XX/XXXX I sent a cashier 's check for {$13000.00} and that also was returned because " the amount was not correct '' even though I had VERIFIED by phone the amount with a Bank of America employee. At this point I have to wait for the cashier 's check to be returned to get ANOTHER cashier 's check. My foreclosure date is XX/XX/XXXX. All of this back and forth " cat and mouse '' game is going to cause me to become HOMELESS! Plus, I am working TWO jobs. So having to leave work to get a cashier 's check and then also to go to a XXXX XXXX sending point to mail the payment overnight is causing me to lose time from work! All of this XXXX is causing me to become 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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I mailed a certified dispute letter disputing information from an unknown account, XXXX XXXX for {$910.00}, that was added to my experian credit profile. I waited 30 days and did not receive a response from Experian. I called today on XX/XX/XXXX and was advised that experian did receive a response from the creditor but had not verified it by documentation or any other means saying instead that the creditor " disagreed '' with the dispute. They were not able to tell me why I was not notified in writing of the results, when the results were available, or if they would ever send the results. I explained to them that they were obligated to verify this account and they only offered to start a new investigation which would take another 30 days. This infringes upon my rights under the fair credit reporting act. I would like Experian to either verify this account and send me in writing the methods used to verify this account or delete this negative tradeline immediately.

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