vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent an investigation request to Equifax. We wanted them to investigate erroneous information that appeared on our credit file. My wife received her investigation results in a timely manner. However, more than 45 days have passed, but I have yet to receive my results. Our investigation requests were made simultaneously, so there is no explanation for why my response is delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IA

Complaint narrative:
I have private loans that add up XXXX. I got these loans through XXXX XXXX. The university that I attended which was XXXX University never explained to me that I could ever run out of Federal loans for school or that I would be required to take out SO many private loans in order to finish. At the time that this was happening my Dad was in the hospital suffering from XXXX XXXX. I was told that I needed these loans so that I could continue my education and get my degree. My mom was forced to co-sign since my dad was unable to due to his XXXX. My mother and I were just trying to keep our head afloat. Then when I graduated in 2014 and had only 6 months to find a job and make enough money to pay them back, I was unable to pay them. They were wanting me to pay them XXXX a month on a single income, with a car payment and rent. At this time my Dad had just XXXX XXXX after a XXXX XXXX and again my Mom and I were just trying to keep our head above water and I tried to pay them what I could when I could, but they did not care. My school promised job placement upon graduating and I have been graduated for 5 years and have still not found a job in my field. I had to take a job that I would have never dreamed doing just to survive. One month XXXX XXXX called me and said that I needed to pay a certain amount of money like XXXX in order to keep my loans from being sold. I pleaded and said that I would do what I can, and at the end of that month when I couldn't even have the money to pay my rent they sold my accounts. The place that now services my loans is telling me that I need to pay a huge amount every month or it will go to legal and they can garnish my wages or even put a lien on my Moms house. I did not deserve to be treated the way I was treated to repay my student loans. I need help knowing what to do because right now I am out of answers and I or my Mother can not pay what they are expecting us to pay which is XXXX to keep it from going to legal. During the time of wanting me to pay they were calling people that I never authorized to know about my loan. They called me sister looking for me and they even called my Moms neighbor. They humiliated me contacting people so they then knew I was behind on my student loans. It was embarassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NV

Complaint narrative:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX   cXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NV

Complaint narrative:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: OK

Complaint narrative:
Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to Equifax and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it Equifax sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my XXXX and Equifax score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank closed customers Checking account and have not returned funds totaling in {$390.00}. After preliminary investigation by Fifth Third Bank, it was determined the funds have been returned to XXXX  XXXX XXXX via Automatic Clearing House ( ACH ) transactions instead of XXXX as referenced in CFPB COMPLAINT ID XXXX. Fifth Third Bank did not claim the funds back from XXXX  XXXX XXXX. Additionally, Fifth Third Bank and did not return funds to customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: WI

Complaint narrative:
onXX/XX/2019 I contacted Experian because I noticed two of my accounts have not been updated with XXXX XXXX  on XXXX I contacted XXXX XXXX XXXX and XXXX XXXX XXXX to confirm my XX/XX/XXXX statements were sent over to all three bureaus Experian is refusing to update my credit reports my XXXX XXXX XXXX credit card should have a limit of XXXX not the old XXXX my XXXX XXXX  XXXX credit card should have a limit of XXXX not XXXX I attached statements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2018, Chase Mortgage took over my home loan from XXXX XXXX. I inadvertently continued to send my payments to XXXX XXXX and was not aware until XX/XX/XXXX that my payments were not being received by Chase Mortgage. Once I was made aware of this I began to work with my Bank ( XXXX XXXX XXXX ) and XXXX XXXX to try and track down my payments and get back in good standing with Chase. This process took some time and in the meantime Chase deemed me a risk and sold my mortgage to XXXX. This caused my credit score to  drop almost 200 points. I have always been good about paying my bills except for a few 'hiccups ' along the way. The major exception is the time period from XX/XX/2018, when Chase decided to buy my mortgage from XXXX XXXX, until XX/XX/2018 when I was made aware of the situation and took steps to correct this. As you can see from the attached documents I fixed the 'lapsed ' payments and have been on time since then. I feel that this situation was not caused by my inability to pay, but due to some confusion with the buying and transfer of my mortgage and therefore I should not be penalized by this.I would appreciate anything that can be done to help restore my credit to where it was before this all happened. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This debt is not mine please see the attached FTC report. I have no knowledge of this account nor have I been to 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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: IN

Complaint narrative:
XXXX reported my credit score as going down 85 points because I paid my credit card off. I called XXXX and complained because this happened before and I filed a complaint on XX/XX/2018. It took weeks to get it fixed. I called XXXX today and they told me that the credit score that Credit Karma is showing for me is not their credit score for me. So, if that is true, Credit Karma is showing the wrong score and I fear they are doing so to get me to take out more credit cards. Also, I received a called from XXXX telling me a fraud was placed on my social security number and that I needed to call XXXX immediately. 

I am concerned because my mortgage loan is currently in the underwriting process and I am unable to know what is going on because of these current actions. Also, since underwriters check fraud records during their approval process, I fear that a scammer has gotten my information while that report was being run. Also, I am concerned that Credit Karma is showing me incorrect information on my account. 

Please invesitgate to help me and others. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: OK

Complaint narrative:
Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to XXXX and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it XXXX sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my TransUnion and XXXX score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/2018, I filed a bankruptcy law number XXXX, which was approved. In XX/XX/2018, I filed a claim with the bank through credit karma, stating that the mortgage loan was not included in the bankruptcy, since it was never in arrears. Because the bank report XXXX balance and payment for the mortgage loan. What I was looking for was for the bank to activate again the account and the credit report. The bank 's response was to delete the account from my credit report, which has negatively affected my credit score from that point on. 

Today I called the bank, the person who answered me told me that I had to make the claim through XXXX XXXX. I called XXXX XXXX and the person who answered me told me that I could not do anything since the bill is not reflected in the credit report and proceeded to give me the Federal Trade Commission information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: FL

Complaint narrative:
I have rope credit increase letters asking to please remove the increase

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: FL

Complaint narrative:
My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX a late fee of {$38.00} respectively was charged. 
I paid on the due date which is the XXXX of every month. When I spoke with the customer service department, they said that there is a cut off time which is XXXX XXXX. This is not fair because a due date is a due date as long as it is paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, the current servicer for the loan filed a lis pendens under the assume name " XXXX XXXX XXXX ( XXXX XXXX ) ''. Under Florida Statute 702.015 ( 4 ), If plaintiff is in possession of the original note, the plaintiff must file under penalty of perjury a certification with the court, contemporaneously with the filling of the complaint. XXXX XXXX failed to attach a certification under penalty of perjury to the complaint. Pursuant to Florida Cicil Rules 1.110, plaintiff must verified the complaint and its string of documents adequately. The complaint reflects that XXXX XXXX XXXX allegedly verified the complaint, however XXXX failed to verified the documents relating to ownership accordingly. The record reveals that XXXX XXXX have engaged in Florida 's Deceptive and Unfair Trade Practices Act, Chapter 117, Florida Statutes, which governs activities of notaries public, Chapter 668, Part II, Florida 's Uniform Electronic Transaction Act, and Chapter 695, governing record of conveyances of real state. Under Florida law, corporations may convey real property in accordance with the requirements of either section 689.01, Florida Statutes ( 2004 ), section 692.01, Florida Statutes ( 20040, or section 692.02, Florida Statutes ( 2004 ) Section 689.01, which requires that any conveyance of real property to be signed in the presence of two subscribing witnesses. XXXX XXXX also failed this requirement. See attached assignment of Mortgage book 29026 page 4582 and assignment of mortgage book 28927 page 2030. Please review, you will find that the entire documents has been forged. All signatures on both assignment are IDENTICAL, which means that someone cut and paste all signatures instead of signing the document in the presence of two subscribing person and notary. Both assignments have been forged and does not convey ownership. A void of forged instrument is a void, see 3 DCA Case Law XXXX v XXXX XXXX. case no. XXXX. On XX/XX/XXXX, the state of Florida entered into an assurance with XXXX XXXX XXXX XXXX. This company engaged in Floridas Deceptive Unfair Trade and the falsification of mortgage documents, including forged assignment of mortgages and other documents. See copy of assurance. XXXX XXXX entered into a consent to judgment and consented to never filed forged documents of a fraudulent in nature actions. XXXX XXXX has violated the consent to Judgment with the government and are subject to sanctions at this juncture. We ask that you review all documents and sanction XXXX XXXX  for all the mention violations in connection with the foreclosure action using a string of forged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I got a car loan thru XXXX Santander, keep in mind the only loan that I was easily able to get.I was new to the car buying so I had no clue about interest rates blah blah.Anyways the first year and 2nd year in XXXX I was always on time every though every other day I was harassed with phone calls from Santander to pay a payment that was already paid.I started to struggle making payments when I just started to struggle a lot paying the loan.Its like every other day I was being told I owed them and didnt know why.So that cause me to start being late sometimes months.XX/XX/XXXX I paid over {$1800.00} I didnt even have which had me go homeless for awhile I just couldnt afford it.I went into a deep XXXX and was struggling all cause of this loan I couldnt pay my other bills on time.i found out they charged off my account thru my credit report.I called them and they told me I had to pay {$2300.00} to bring it back to current and stop the rep and I did! Once again.They called literally the next day again on XX/XX/XXXX saying I owed XXXX for XXXX and XX/XX/XXXX.Its just gotten to the point where this is unfair and I had to see what is going on with this.The price I financed the car for is what I owe on my credit.Which mean all this money that I been paying for this car since XX/XX/XXXX has gone to what?? Interest alone? Im just confuse, frustrated, struggling and feel XXXX! I need help cause Im stuck dealing with this car loan its XXXX  and a nightmare to go thru! They lie and manipulate me into paying then after they get my money they call the next day saying I owe again when I just payed them!!! They are XXXX! And what there doing is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
The account on my credit report from MARS INC is inaccurate and I have been trying to receive information to contact someone reporting this false information. This debit was falsely added in XX/XX/2018 and I disputed it recently. It took them the entire 30 days just to claim that the debit is accurate which is untrue! MARS INC and XXXX XXXX XXXX ( now under new managemt which makes it more difficult to give my attorney any information on who to actually contact ) needs to take this account off. I need to know who is reporting this false information. The apartment complex illegally kicked me and my family out because we complained too much. They did an eviction without going through the courts basically to save themselves time and money. That is illegal to do in the state of Kansas without cause and paperwork which me or my boyfriend who was also on the lease never received. I need to know who to contact in order to take them to court.

Company response to consumer: Closed with explanation