vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
on XX/XX/, 2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.

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 2019-02-28 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.

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 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank fixed then reversed fix on fraud taking place on accounts I have with 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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XX/XX/XXXX came by and I made the XX/XX/XXXX payment on the XX/XX/XXXX. but my account still showed as being XX/XX/XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XXXX of XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.

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 2019-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.

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 2019-02-28 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: NY

Complaint narrative:
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX back XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2019 @ XXXX, I went into a Western Union retailer ( XXXX XXXX ) in XXXX , GA. I intitially told the cashier the account number and the code city. The cashier put in the account number wrong as well as the code city. I have contacted Western Union on XX/XX/2019 around XXXX whereas I received a case number. I took the initiative and contacted the company it was mistaken sent to and they assured me they would send it back to western union. I called back to western union on yesterday XX/XX/2019. Western union told me I have to wait 24-48 hrs to receive the money back. So here it is XX/XX/2019 it has been 42 hrs later and I still havent gotten back my money. Its a little over {$1000.00} its my bill money and I need it back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from Wells Fargo. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/2017 ), which is an error. It was pulled Twice from my XXXX   credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/2018, my credit report was also pulled as well. Please have the Wells Fargo ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
For the past 6-9 month I have made my Navient Payments in full according to my online portal in the amount of {$180.00}. I add a note every month to spread my payment across all loans in full. Every month my account shows that I am behind {$100.00}. Every month I call Navient to fix the issue and I get the same response. " We ( Navient ) didn't apply your payment across all of your loans ( even though I added a note to do so ), that's why its showing a pass due amount. Navient then sends a request to another one of their departments to spread my payments evenly. I go through this every month for 6-8 months. 

This month my online portal is the same {$180.00}. I make the payment and again I am behind {$100.00}. I call and I am told my new loan amount is {$290.00} and I am behind {$100.00}, again. I was not yet told that my amount has been raised to the new number of {$290.00}. My online portal still says {$180.00}. I haven't gotten a clear answer on why my current pass due of {$100.00} with the new payment of {$290.00} is equal to the previous pass due of {$100.00} when my monthly payments were {$180.00}. 

There are two issues here. 
1. Every Month I make a payment in full Navient doesn't spread my loan equally even after I am told for now on they will spread my loan out equally. And even though I attach a note to each check to spread my loan out equally. If I were to send my check in and not check my account this would have drastically hurt my credit score. This is an obvious practice that they will continue to do. I have been told they will fix it by multiple Navient representatives who I will list below. 

2. I made my usual payment and once again pass due. But this time its because my payment was increased and I was not notified. The increase was not posted on my Navient online portal. Why is the current pass due amount with a new payment equal to previous pass due amounts that I have been making of a different payment? Why is Naveint continuingly trying to get an extra {$100.00}? 

I have spoken with : 1.Someone with the E Code XXXX XXXX. XXXX XXXX on XXXX 3. XXXX XXXX on XXXX XXXX. XXXX  XXXX on XXXX XXXX. XXXX XXXX on XXXX 6. XXXX XXXX on XXXX XXXX. Many more prior to XXXX Attachments explained : Monthly payments should be the same each month. If you look at my attached copies of payments via the Navient portal, you can see timely payments from me and repeated adjustments to fix the issue from Navient, AFTER I called about the issue. The most recent previous months Navient still had to make adjustments but they didn't show in the portal this time, they covered their mistakes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been trying to pay off in full my 6 loans, one by one. They are applying it to the incorrect loan, when I call they tell me they will fix it. Its never fixed, I ask for things in writing before the call is completed. I never get anything in writing. This is negatively affecting my credit score, which is affecting my home buying process. I have perfect credit other than my student loans because Navient has played games with me for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: DISCOVER BANK
State: WV

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. 

I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.

Company response to consumer: Closed with explanation