vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public  records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit 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 explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
They are saying that money is owed to which I have no knowledge of. I have not been provided any proof of signature or identification that this account belongs to me. It is on my credit report which needs to be deleted. The amount stated I owe is {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I went to TD Bank to withdrawal a large sum of money. I brought with me all the pertinent documents for which was used to open said account. I was unable to withdrawal funds due to an expired driver 's license. My concern is that the bank was able to take my large amount of money in XX/XX/XXXX.My expired license was not an issue. When going to the Department of Motor Vehicle, I was told my license had expired XX/XX/XXXX. This means my bank account with TD Bank was opened without a valid license. My concern is without having a valid driver 's license upon opening, would this make my account invalid? 

It is very difficult for me to get to the bank because of my XXXX. I am moving to Maryland from Florida to be closer to family. I have a lot of expenses coming up in order to make this move happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiry XX/XX/2017 XXXX. I did not authorize this inquiry. I reached out to them they said they would remove it

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 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/19 I requested the credit bureaus to investigate the collection with Diversified Consultants #  XXXX. They stated that the debt was valid. Well I reached out to Diversified Consultants and  requested the proper validation to prove they can legally collect on the account and a contract with my signature ( Tracking # XXXX XXXX XXXX XXXX XXXX ). I only received a copy of a bill from them. This is not proper validation and I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: WA

Complaint narrative:
Hello, I sent a letter to equifax on XX/XX/2019 and i have yet to hear back from them. I also monitor my credit report and havent seen any activity as to whether they have deleted anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Since XX/XX/XXXX I have tried to dispute this through the credit bureau 's but of course it was " verified as accurate '' although no one will admit to it or provide any documentation. 

XX/XX/XXXX I received a response to my request to have 3 late payments ( XXXX, XXXX & XX/XX/XXXX ) removed from my 3 credit reports ( SEE ATTACHMENT 1 ) from my Freedom Mortgage Loan. I stated that I did not receive my statements in the mail and therefore fell behind as I did not realize the missed payment until I received the next statement and paid in full ( 2 months ). 

On XX/XX/XXXX I also received an email apologizing for allowing a solicitation email that I have opted out of sent to me by them ( see attachment # 2 ). This also shows they can not manage their internal systems properly with notifications. 

XX/XX/XXXX I called XXXX Spoke with XXXX # XXXX who informed me a response letter was sent dated XX/XX/XXXX that I have yet to receive ( as of XX/XX/XXXX ), which further proves either the items are not actually being mailed or they are not getting her for some reason. 

The XX/XX/XXXX was faxed to me by XXXX at Freedom and states they are unable to honor my request despite the fact I am not receiving statements and letters from them ( see attachment # 3 ) XX/XX/XXXX I called and informed XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID XXXX XXXX & XXXX - customer relations division, them under XXXX Periodic statements for residential mortgage loans, they are required to send statements but they refused to remove them or to let me speak to a manger. They all just suddenly kept asking if I was still occupying the property but refused to escalate or have this open dispute looked into for an update other than the due date of XX/XX/XXXX which is too late for me to be approved for my new mortgage. 

XX/XX/XXXX Since no one would help me or let me speak to a manager, I sent an email to the CEO and other execs asking for a courtesy adjustment but I have not received a response other than an out of office from Mr. XXXX 's ( see attachment 4 & 5 ).

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 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
We made a payment in the amount of {$3400.00}. At that time we received 2 confirmation emails with the same confirmation number. We called at that time to ensure that there was only one transaction. We were assured it had only gone through once. It has since come out 2 additional times causing an overdraft to our account and multiple hours on the phone. We worked with the credit card to credit our account at the inital mistake on their end, and thought everything was fine, and today they took the money out again!! We have no idea how to get this to stop. We dont even owe what they are trying to debit from our 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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX my husband deceased and I was left with no household support because he was the person on the account and he was the person covering the household expenses and I was not able to take care of the Mortgage Payments due to my husband deceased and left alone with a great financial hardship and this caused me to be in deep XXXX and great stress. I decided to request help for a loan modification to Select Portfolio Servicing and as I was in reviewed it took a great long time to get my social security updated on their system it took months to correct my name and my social security number. This lender had the wrong information of my identity. I provided a notarized affidavit with my name and social security number and this caused a delay my modification review, when they finally reviewed I was offered a Repayment Plan with a amount that I was not able to afford over {$6000.00} every month and that is an outrageous amount. I will never be able to afford that kind of payment and this is why I am presently into a Foreclosure status. I have a Trustee Sale coming up on XX/XX/XXXX and I need your help to prevent for Select Portfolio Servicing to foreclose on the only roof I have. I have no where to leave they will cause me into a great burden. Please help me get this lender to provide me a better workout solution to keep my home. I am only asking for an affordable mortgage payment, I have my income plus my rental income and if necessary I can provide my daughters income but please help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo ( XXXX XXXX ) Acct. # XXXX On XX/XX/XXXX, I made a payment of {$300.00}, for the month of XXXX. Mid-month I received an email saying that on XX/XX/XXXX my payment was due. I immediately called Wells Fargo to ask why was I getting an email saying that a payment was due, when I had already paid XXXX 's payment ( See statement ). They said that when I paid the payment on XX/XX/XXXX, that was still during the XXXX statement period, therefore it was applied to XXXX 's payment, not XXXX. A total of {$560.00} for a minimum payment of {$250.00}. The Wells Fargo rep said that she, as a one time courtesy apply that payment to XXXX 's payment. I thought my trouble was fixed. 

According to the XXXX statement, ( See Statement ) no payment was made and there was now according to them a {$510.00} payment due ( that's 2 payments @ {$250.00} XXXX. So the promised, one time courtesy, was never honored. 

Then without my permission or knowledge {$510.00} was debited from my account, but returned, because there wasn't enough money to cover the unexpected, incorrect debit. My bank charged me {$34.00} NFS/return fee, and to add insult to injury, Wells Fargo charged me {$27.00} return fee. 

I called Wells Fargo on XX/XX/XXXX and they acknowledged their mistake and credited my account the {$27.00} return fee and they assured me that they would not re-debit my account for the {$510.00}. ( See pdf ) On XX/XX/XXXX they debited me again, and this time, the money to cover my monthly bills was in my account so the {$510.00} went through and posted to their account. I called XXXX, XX/XX/XXXX and today XX/XX/XXXX and feel that I am getting the run around. 

I am a retiree living on a fixed income. {$510.00} is a lot of money for me and I'm afraid my other bills will attempt to be paid and returned due to XXXX, because of their error and their inability to correct the problem in a timely manner. In addition, an automatic payment is due to come out of my account for the month of XXXX for the amount of {$300.00}. Making a the total for this month : {$810.00} for what should be only {$250.00}. 

I would like the {$510.00} returned to my account along with the {$34.00} NSF fee from my personal account. 

I was told this was escalated to an " Executive Case '' Case # XXXX and XXXX XXXX was assigned to the case. Phone number : XXXX ext. 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 monetary relief
Consumer complaint received 2019-04-11 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: MI

Complaint narrative:
I have a membership with Experian for a few months only wanting to see my score. A week ago I received notification from two of my major credit cards that they are closing my account with the reason that per credit report from Experian I have too many request for credit review, which concerns me as there should not be. I have excellent credit so my credit card accounts are getting reviewed to be reopened. 
I tried to call Experian regarding this issue and also to cancel my membership. I could not get a human no matter what I tried. The automated system wanted my ss #, date of birth, Zip code and street number. I did not feel comfortable with this. Why cant they just ask for membership number or last four digits off ss #. I believe this to be a problem with several customers. I feel this is some kind of scam. I am not sure what to do.

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 2019-04-11 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
Have struggled to repay private student loans with Navient. I have been on Social Security XXXX and have had extraordinary medical expenses and loss of income due to health issues. 

The payment plan I was on was discontinued because of a technicality because I did not call Navient to continue the repayment program so the lower interest / lower payment program was discontinued and the payment went from $ XXXX month to $ XXXXmonth. Additionally, all of the interest during the term of that program was set at 1.5 % but when the program was discontinued, the typical interest rate of 12 % was recapitalized back into the loan inflating the balance of the loan. 

I have repeatedly told Navient that I can not afford {$1700.00} /month payment but they will not change the payment plan and tell me they will continue to advance the loans to default. 

The original principle balance of these private student is a fraction of the current principle / recapitalization interest balance. 

I am recovering my health and Navient offered and setup a repayment plan that would lower the monthly rate to an affordable rate of 1.5 % but after setting up the repayment program and payment plan, Navient said a few days later that the program was not actually approved and they wanted additional private family information. 

I am willing to pay these student loans under the 1.5 % interest rate and payment of $ XXXXmonth that was offered and actually setup in their system but the Navient manager said it was discretionary whether they approved anyone for this repayment program. This sounds like a practice of disparate treatment ... the program is available but Navient evidently wants to maximize their $ income ... without regard for individual privacy. 

During one of my earlier discussions with a lower level Navient representatives he said that Navient was just one big credit card company that would do anything to collect payments and increase corporate funding. 

Lastly, the representative confided to me that Navient has been actively selling loans to 3rd party collection agencies ever since the CFPB and other State Attorneys offices filed lawsuits against their predatory loan and serving practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I initially tried this gym membership for a total of about 5 days, for their online rate of {$1.00}. I was told by the owner of this establishment that if I had canceled for any reason before the due of first payment of {$54.00} that I would not be charged additionally, which I did. I canceled and despite unsubscribing I have been receiving numerous unwanted communications from these people, regarding this mystical owed amount of about {$54.00} and it soon to be reported to collections. 

First of all I want these people to stop contacting me, secondly I will not be paying any additional money for a gym membership that I used for 2 hours and then canceled shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
I was in a motor vehicle accident. The other vehicle ran a red light t-boned me and destroyed my vehicle. I was transported to the emergency at XXXX regional by ambulance when I arrived the insurance girl started that the person who was at fault would cover the visit so she wouldn't need my personal medical insurance card ( which I tried giving her by the way ). She said motor vehicle accidents would be covered by the auto insurances in the law suit which is still open. The collection agency contacted me at a later date stating that I owed the amount for the ER visit and I explained to them what happen and gave them my lawyers number and name. Never heard back from anyone next thing I noticed I was in collections for the amount of the Er bill.

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am disputing the XX/XX/XXXX sale date while we are doing everything we can to supply a document for Shellpoints underwriters request given to me yesterday. I am requesting that the sale date be placed on hold until this last minute request can be provided to us by XXXX XXXX in order for Shellpoint to include the income from XXXX XXXX XXXX XXXX which is needed to qualify for a modification. I have submitted to Shellpoint the last mortgage statement I have received on this property but since it is not current I have worked with my attorney to request XXXX get this document to you as soon as possible. I was asked by Shellpoint representative to either provide this mortgage statement or submit an incomplete package which will lead to a denial, therefore, with both of these options being unacceptable I am disputing these unfair actions and asking for a fair review for a modification I know that I can qualify for given I have had 4 properties modified to date since my financial situation has improved. We are working diligently to provide this request to you. 

As per your most recent request today, Wednesday, XX/XX/XXXX given to me from Shellpoint Rep. XXXX at XXXX : 1. ) The following properties that were listed on my XXXX Taxes have been foreclosed on and are no longer in my name : XXXX XXXX XXXX XXXX XXXX XXXX 2. ) A current mortgage statement for 1 XXXX XXXX serviced by XXXX XXXX XXXX ( Property has been in litigation and I am represented by my attorney Mr. XXXX XXXX, ) in order for underwriters to include this income in their review, and thus qualify for a modification. 

I am working with my Attorney, to try once again to get a copy of a current mortgage statement from XXXX XXXX XXXX , XXXX Loan # XXXX  for 1 XXXX XXXX to fulfill yesterdays request. 
We have turned in the last statement for this property, which was provided to me from Shellpoint.  XXXX has admitted that since servicing my loan it has not ever provided a mortgage statement to date because it has been in litigation but is now working to expedite a copy for Shellpoints underwriters for their review. 
If you would like to call my attorneys office and put in your request as well, here is the contact number : XXX-XXX-XXXX I am doing everything I can to get you this information and am requesting the time necessary to produce this document as it is out of my hands. Please wait for this mortgage statement in order to use the income for this property in your review and cancel XX/XX/XXXX sale date. I demand a fair review for modification!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I had to have repair work done with XXXX XXXX. I didn't have the full money for all the repairs. I was able to get financing through Acima Credit. I was approved but nothing was fully explained to me with the paperwork. I didn't know I was signing over rights and other remedies. The car is in my brother 's name and they're threatening to take the car when its still owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My husband and I are attempting to get a refinancing loan for our house. Our lender contacted us to inform us of a problem. Two of the credit reporting agencies are reporting my information correctly. Equifax is saying that I have no credit file with them. Our lender gave me the name of the person showing up on the credit report that they received using my SS #. The name is that of my deceased brother. My brother and I have very similar names ( I kept my maiden name ) and our SS # are exactly the same except for the last two digits. So Equifax has my SS # in their system, my credit info ( house loan, car loan, credit card info ), but all that info is under my dead brother 's name. As I explained to Equifax, since my brother died over 8 years ago, it is impossible for him to have taken out a car loan four years ago, as well as opened a new credit card within the last few years, much less be making payments on all of this. Incidentally, my credit score is very good. Equifax 's mistake in creating a mixed account between my brother and me and is causing me to not to be able to refinance my house loan -- the locked in rate is only good for another 2 weeks and it is the only info that our lender is waiting on.

Company response to consumer: Closed with non-monetary relief