vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX I sign my son up for XXXX XXXX XXXX to help him with math & reading. My monthly payment is about {$50.00}. I 've been paying on this student loan now for 11 years & 8 mos. 
The original amount borrowed was XXXX on XX/XX/XXXX with an interest rate of 11.75 %. On XX/XX/XXXX I had transferred {$4700.00} to my credit card for 18 mos promotion at 0 %. I still have a balance with Navient of {$1000.00}. If I never transfer some of the balance it would n't be paid off until XX/XX/XXXX. It does n't make sense to me at all on how my payments are being applied to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: LEXISNEXIS
State: TX

Complaint narrative:
I have tax liens on my Consumer report with LexisNexis, XXXX and XXXX. I have contacted XXXX to disputa all tax liens, XXXX did an investigation and stated in a report the information was provided from LexisNexis and that LexisNexis verified the records as belonging to me. I contacted LexisNexis on XX/XX/XXXX and was told an investigation would be done and results sent to me. XX/XX/XXXX, LexisNexis Consumer Report XXXX case Number XXXX that states the XXXX County Court in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted LexisNexis on XX/XX/XXXX and told LexisNexis that XXXX County Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX County Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to LexisNexis for the their review. Again, I was told that XXXX County Court supplied the information, which XXXX County Court, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has made several attempts to get information from my employer. They have called my office line, my company and have mailed requests to the company requesting that they disclose personal information about me and my employment. My company has a policy to request my authorization before releasing such info so I do not believe they disclosed. Navient should not be phishing and making attempts to acquire information about me through my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: SCA Collections, Inc.
State: NC

Complaint narrative:
Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.

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 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom it May Concern : I am disputing the eight ( 8 ) Federal Tax Liens on my Credit Report. 

As of today, Transunion has not removed the Federal Tax Liens from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XX/XX/XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. 

Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. 

My eight ( 8 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is NO Date of Birth ( DOB ). 

Based on the NCAP Rules that became effective XX/XX/XXXX, I am disputing the Federal Tax Liens on my Transunion credit report and I request they be removed accordingly. 

Thank you very much, 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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Sustained property damages bathroom pipe bursed, filed claim with my insurance company and received XXXX payment of $ XXXX. 

80 % of work is now completed an requested inspection per bank instructions. appointment for inspection was scheduled forXX/XX/XXXX at XXXX. I stayed home all day and no one showed up or called. 

Called the bank the same day and spoke to several representative ( XXXX and XXXX ) at XXXX and XXXX and XXXX on XX/XX/XXXX ,XXXX XXXX. 

I have been trying to schedule an inspection since XXXX XXXX and only getting the run around and not able to transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: NC

Complaint narrative:
Sent Certified letter to Experian onXX/XX/XXXX requesting that each negative creditor validate the debt with documents and signatures of the agreement. On XX/XX/XXXX Experian said they would delete if creditors fail to apply. On XX/XX/XXXX, Experian sent me an updated report with nothing deleted or change.I received on XX/XX/XXXX. I Called Experian onXX/XX/XXXX and spoke to supervisor XXXX to no avail, no help at all. I was explaining to him that my name is wrong and I have hard inquiries on my report that I did n't make.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Good evening, I opened a Wells Fargo checking account on XX/XX/XXXXand did so after being told that I would receive {$150.00} if I completed the steps required. When I opened this account I did so with the promise of {$150.00} after. The requirements were to make XXXX debit card purchases, which I did between XX/XX/XXXX andXX/XX/XXXXand to make at least XXXX purchases using my debit card loaded to a mobile wallet totaling at least {$10.00}, in which I made XXXX separate using XXXX XXXX on XX/XX/XXXX and a XXXX on XXXX. I 've made over XXXX since then. I completed the requirements. I originally received an acknowledgment e-mail from them on XX/XX/XXXX stating stating that " my bonus is ready '' and completed all of the requirements before XX/XX/XXXX. I 've already spoke to my local branch XXXX and was told XXXX months ago that it should post any day. OnXX/XX/XXXX I sent them a message through the website explaining my problem and was immediately told that I qualified but needed to fill out an XXXX and the money would be credited before XXXX. That same day I went into my local branch and filled XXXX out. I also filled out and mailed the package that they sent me. I received it on XXXX and mailed it the same day. I want to like this bank. I want to close my old account with another bank and transfer my money into this XXXX but how can I when they wo n't honor their obligations. I assume that they do n't pay anyone until they file multiple complaints. The time that I 've spent trying to rectify this is just ridiculous. Can you help me with this?

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 2017-10-23 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: PA

Complaint narrative:
OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: GA

Complaint narrative:
my XXXX XXXX XXXX and XXXX tried to buy a home out in XXXX, GA with loan XXXX XXXX XXXX from ALTERRA HOME LOANS. we had the closing date to the new house XX/XX/XXXXand XX/XX/XXXX we had XXXX closing days and neither happened. my XXXX XXXX XXXX and XXXX did n't attend work that day like the previous day they had taken off due to the process. the closing day came and we did n't close due to XXXX 's XXXX. my husband and I had sold our mobile home and had to be out the house with XXXX our children ages XXXX and XXXX we had rented a XXXX to move our things at the end of it all we did n't get the house, we ad to put everything in a storage unit which cost {$180.00} per month, we were told that in a week everything would be solved. she once again lied only now blaming it on the program XXXX XXXX saying it was taking longer then usual, next her excuses where the underwriter needed more time or was asking for more proof, that the loan was n't approved, then she blamed it on the paperwork saying it was n't complete, the agent that was working with her that at first was our agent lost our original copies of our taxes his name is XXXX XXXX, he would send us to houses and give us codes to it, we only saw about XXXX houses. we decided to consult with another agent XXXX XXXX she said that we would get in trouble if we did that. we did n't speak to XXXX anymore and XXXX became our agent she is very professional and helped us out a lot. as a mentioned previously we had sold our mobile home we ended up living in a hotel for almost XXXX weeks with our children. my mother in law and husband missed days of work due to XXXX fault they lost time and money. we would try to call XXXX and shee would n't answer because we needed answers she would reply to us hours after or days later she would say everything was fine everything was under control which it was n't. we got tired of waiting for her and we procceded to speak to her supervisor from her branch he said that the problem would be fixed in XXXX weeks then it went up to XXXX weeks, and that we could go to a hotel in the mean time that they would refund the money back to us, they did n't do it then a week later the supervisor called me saying that the loan was not approved at all that they could n't do anything about it and that they would not refund us the money for the hotel. As you can see we ended up losing a lot of money and time and our children XXXX with us as well. alterra is XXXX of the XXXX loan company ever. I do not recommend them and neither do I recommend XXXX XXXX. 
THE HOUSE INSPECTION WAS {$350.00}, ERNEST MONEY {$500.00}, APPRAISAL {$500.00} UTILITY BILL {$350.00} ( light ), missed days of work ( mother in law ) {$700.00}, missed days of work ( husband ) {$700.00}, storage unit {$720.00} storage unit a month, hotel stay {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.

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 2017-10-23 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: TX

Complaint narrative:
I have tax liens on my Consumer report with XXXX, XXXX and Equifax. I have contacted Equifax to disputa all tax liens, Equifax did an investigation and stated in a report the information was provided from XXXX and that XXXX verified the records as belonging to me. I contacted XXXX on XX/XX/XXXXand was told an investigation would be done and results sent to me. XX/XX/XXXX, XXXX Consumer Report XXXX case Number XXXX that states the XXXX XXXX XXXX in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted XXXX on XX/XX/XXXXand told XXXX that XXXX XXXX Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX XXXX Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to XXXX for the their review. Again, I was told that XXXX XXXX XXXX supplied the information, which XXXX XXXX XXXX, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 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: PA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: PA

Complaint narrative:
OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX  clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America set up a XXXX XXXX XXXX machine for me when I went to the bank in early XXXX. I went in the bank for a different purpose but I was rushed into signing up for the service. I was told that I can cancel at anytime if I do n't want it anymore. After several months of the service, I realized I was being charged fees even when the machine was not uses or used occasionally. Recently, my business account was closed with no explanat ion as to why. I then switched my service to a different bank since I cou is not bank with Bank of America anymore. Since then, I started receiving letters threatening me that I owe oover {$1800.00} and most recently that if I do n't pay, it will be reported on my credit. When I reported at the branch, I was told that there was nothing they could t hat all t hay can do iis to connect with with t he company. I did not understand this. I need to return the equipment and walk away from this deceptive arrangement.

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