vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My sister may have put me down as a family member reference on an account she had opened. She is doing the XXXX XXXX program to pay off all debts. The agencies have been hounding my cellphone number daily as she already had given the XXXX XXXX phone number to the company for any contact. I am an XXXX for the XXXX XXXX XXXX XXXX and have to use my cellphone for my job. These daily harrassment calls have nothing to do with me. They won't stop. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was hacked 6 times in 2 years. I filed a complaint ( # XXXX ) about my bank for numerous charges, but one in particular that I never got back was for {$20.00}. The bank claims " On XX/XX/2018, the claim was reconsidered and a Miscellaneous Credit in the amount of {$20.00} posted to the account. '' But the day they added the credit, they also reversed it. I'm attaching a screenshot from my computer. It shows every transaction in the amount of {$20.00} ever added to my account. 
" Temporary Credit Reversal on XX/XX/18 Card # XXXX Claim # XXXX '' So the same day they gave me my money back, they also took it away. They owe me {$20.00}.

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 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I received an email from moneygramheadoffice, ift was emailed to me today XX/XX/XXXX @ XXXX. Since I was a former XXXX XXXX agent and was trained to look out for these types of scams, I did not send any money or replied to the scammer. However, I wish to inform everyone to either look out for these scams and to be able to get the scammer caught and tried for their actions. Here is the email that was sent to me, I hope this is helpful. 

Dear valued customer, We have sent the XXXX out of your total compensation sum of {$2.00} XXXX USD from money gram head office in USA. All we need from you now is just list information such as your 1, Your Name -- -- -- -- 2, Your Country -- -- -- -- 3, Your Phone Number -- -- -- 4, Your occupation -- -- -- -- 5, your home address -- -- - Here is the reference number of your first payment, Sender First Name : ... ... .XXXX Sender Second Name ; ..XXXX Reference : XXXX ... ... ... ... # XXXX Amount Sent : ... ... ... .. {$5000.00} You can verify the reference number in any money gram office near you or by tracking it on our website with this link, ( XXXX XXXX XXXX XXXX ). Just fill the reference number but you can't pick it up What you are requested now is AUTHORIZATION RELEASE PERMIT, which is going to cost you $ XXXXUSD ( only ) please be aware that this is the only charges/fees, as soon as this is done, your funds will be release to you in less than 45 Mins through money Gram The status now shows Available for pick up by receiver because this amount has been on the system for security reasons, since I did not get any reply message from you after sending you several notices with the transaction details to enable you pick up your Reference number Now, you are strongly advised for the last time to go on today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Over the course of three years ( XXXX ), Sallie Mae ( now Navient ) loaned me {$130000.00} in private loans while I pursued my doctorate. I was a full time student at this time, so my husband co-signed for me ( although his yearly salary was only about {$65000.00} at the time ). I completed my doctorate in 2013. While I was in school, Navient kept my loans in deferment. Once I graduated, I went into repayment but quickly found that the capitalized interest had increased my loan amounts substantially, and the minimum payments they required were greater than I could afford on a teacher 's salary ( at one point, they were demanding a payment that was about 2/3 of my monthly take-home pay ). I have asked for income-based repayment plans on numerous occasions but have been told repeatedly that they can't help me. They have put two of the five loans on a reduced interest rate that makes the payment more manageable but they have repeatedly refused to work with me to make it feasible for me to pay on ALL my loans. Since I've been in repayment, I've paid a total of {$27000.00}. My loan amounts have increased ( in total ) by {$120000.00} so that I now owe Navient {$260000.00} and can not begin to make the minimum payments they are requiring. I have filed complaints in the past regarding the derogatory and unethical comments and threats Navient representatives have made to me ( one representative told me I was stupid, and another threatened to have my teaching license revoked since I was behind on my payments while another threatened to send the sheriff to my home to arrest me ). I am filing this complaint now because XXXX XXXX, the attorney general for Mississippi, has filed a lawsuit against Navient for fraudulent and deceptive student lending practices. I feel that I have been victimized by Navient since they should never have loaned a college student/teacher {$130000.00} in the first place. Since those loans, they have failed to notify me of the penalties and interest that I am accruing and have made it easier to put my loans in forbearance rather than working with me to make payments in keeping with my actual income and family size. At the rate at which Navient increases my interest rates and piles on penalties, it is going to be impossible for me to earn enough money over the course of my lifetime to pay them off. Ever. I have offered to pay what I can on each loan as a sign of good faith but even that was denied. This company is worse than modern day mobsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with Bank of America. I keep it low. I recently received my security deposit ( to me and my fiance name ) and deposited on my account. The next day, the check was fully deposited on my checking so I made two payments ( XX/XX/XXXX ) from my credit cards of {$350.00} each. The next day, the check is cancelled because it is at both names and the account only my name ( we don't have joined account ), without any notice to me and then the two payments makes my account under {$0.00} so I get a notification of being charged two times {$35.00} by BoA ( and also {$35.00} by the two credit cards for returned payment ). 
I am not happy with BoA since 1 ) they didn't tell me anything about the check being cancelled ( I got a mail on XX/XX/XXXX ) and 2 ) they confimed the deposit and then cancelled 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 monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
-On XX/XX/2017 I purchased a home and got a conventional loan for {$420000.00} at XXXX apr under the promise of receiving {$10000.00} overfunding cash from XXXX XXXX XXXX XXXX XXXX after closing I agreed but after numerous attempts to collect I received a payments for {$1500.00} on XX/XX/XXXX, another {$300.00} on XXXX and continuous promises of payments since that date. 

XXXX kept telling me he had a few issues but they would soon get resolved but week after week nothing got done. 

He told me it would have been wise to refinance at current rate after 6 months to lower my interest and therefore reduce my monthly payment and he would have paid me out the balance when he sold my loan. 
On XX/XX/2017 I refinance and lower my rate to XXXX % but no money has been paid even after weekly messages back and forth. 

I need help collecting my balance of {$8900.00} from the money he took, interest free without my permission, that is a theft and shows very poor character for a men in his position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX i wrote an email to Capital One, asking for late payment forgiveness during a very bad stage in my life. i had a secured credit card but in XXXX, XXXX i suffered through XXXX  XXXX, i XXXX XXXX XXXX  due to XXXX XXXX, and i became XXXX because of XXXX   XXXX, to the point where my children and i XXXX XXXX XXXX, XXXX, XXXX XXXX even XXXX XXXX XXXX. i spoke w a XXXX  he said they didnt need any info to verify, they believed my situation but for me he was a little insensitive he asked me for more information about my XXXX, i got a little shaken up because i honestly didnt want to go down that road but i answered hoping they would remove the lates fee and if not all at least the ones from XXXX. Even going over such information i was still denied, he said he looked through the policy and it wasnt something they could do. My account is now current but closed. however, i was approved for a unsecured credit card by them with a {$300.00} limit, a few days after i was denied. i am working on my credit, i am now stable and would like for the late payments to be removed, if i have been approved for a new card, why could they not take the late fees off the old. i need help with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have three late payments that were reported to the three bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that I am sincerely begging to have removed. Besides those three late payments I have been on time ever since and have not missed a single payment. I told them the reason I couldn't make the payments on time and told them I was having financial hardship during that time. My wife had just gotten out of the XXXX XXXX and we were in the middle of moving across country from XXXX to XXXX. I had to quit my job since we were moving and it was incredibly hard financially especially with XXXX babies. I have not been late since and have continued to pay on time since then and of course I will continue to do so. I had already contacted XXXX XXXX XXXX with a certified goodwill letter and email and they weren't willing to change the status nor help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Well for the last few months I have been sending XXXX XXXX, Equifax, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXX bank account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Well for the last few months I have been sending XXXX XXXX, XXXX, and Experian 609 credit dispute letters for the following accounts. XXXX XXXX XXXX account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was recently transferred from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. The transfer was effective XX/XX/18. I am current on all payments except the payment that is due XX/XX/18, which I have not made yet due to confusion in the transfer process. 

For some reason, my payment history with the previous lender was not transferred to Shellpoint Mortgage. They are showing my account as XXXX   months past due. When I call Shellpoint customer service, they are unwilling to resolve the issue ( all they need to do is get in touch with my previous lender ). Instead, they continue to refer me to a debt collector. 

The service from this Mortgage Servicer has been awful from the beginning. To this date, I have not received any contact from the company besides the notice informing me of the coming transfer. I had to call them repeatedly for a week just to obtain my loan number so that I could create an account online and set up bill payment. 

I have no idea where the transfer went wrong. It is possible the error is with XXXX XXXX XXXX  or with Shellpoint. My previous lender, XXXX, provided me the following contact information associated with the transfer : XXXX XXXX ( XXXX ; XXXX ). I have sent XXXX an email detailing my situation and the attached payment history screenshot. I am waiting for his response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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:
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.

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 2018-09-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2018, I disputed an account reported by XXXX XXXX for XXXX XXXX XXXX, I was informed in XX/XX/2018 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report, In XX/XX/2018, In accordance with the requirements of the FCRA, section 611 ( a ) ( 5 ) ( b ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days, Requirements relating to the reinsertion of previous deleted material. I am suppose to be notified within 5 business days. If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing no later than 5 business days after the reinsertion., or if authorized by the consumer, for that purpose by any other means available to the agency., I have received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that Transunion Credit agency delete this item from my credit report in order to avoid legal action. I have copied this complaint to the States Attorney 's office, XXXX XXXX XXXX, and

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested Hard inquirys that were not authorized by me or hold an open account be deleted Your customer service would not help and take care of the negative inquiries reporting to 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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

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 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.

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