vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me. 

I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below. 
Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment. 

You can reach them at XXXX. We apologize for the confusion. 
Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them. 
-- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled. 

I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home. 

As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them. 

Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: GA

Complaint narrative:
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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 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. I am doing this own my own behalf and have contacted my police and the FTC.

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 2019-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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 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. I am doing this own my own behalf and have contacted my police and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have verbally canceled an reservation made over the phone. the merchant XXXX XXXX group which is also sponsors the XXXX Chase credit card says I didn't. They also didn't send any reminder that I have reservation I normally receive until the day after my reservation. 

Chase Credit Card not resolving my dispute after multiple attempt to explain the situation and try to resolve with the merchant, which is also sponsor of the card. It has been 4 month since initial dispute. Charges are still on my account. 


Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 IC XXXX XXXX XXXX {$410.00} Cancel dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Group Inc.
State: OR

Complaint narrative:
I have a auto loan through united finance in XXXX, OR that I was the the CoSigner for my uncle. After six payments it was supposed to transfer in his name and they would not. Shortly after the engine ceased and it had to be sold, and he could not make the payments. At the time I was going through financial hardship and could not make the payments. I was also young and did not know much about credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/2019, I received a pre-charge off card notice. it was dated XX/XX/2019 on the inside of the notice. XX/XX/XXXX I called Customer service 2 x once i put in for a call back due to a excessive hold time and never received a call so I started calling again and when I finally got thru was informed after 30 min that i had to travel to a branch location and I explained that was not possible. I went online and contacted the Bank BBVA Compass thru there online contact us Message system. I explained 1 I was charged for a XXXX $ charge that was declined but they were charging me as a overdraft with a fee totaling XXXX . 2 I have my tax returns coming to the account and are being direct deposit and I would like to keep the account open. XXXX XXXX I received a response saying they couldn't help me and again i needed to go to the bank or call the bank 's dept collections department. XX/XX/XXXX I drove to the local branch and spoke to XXXX XXXX and I explained my situation and XXXX called the Debt collection Department 3 times. XXXX was hung up on by the DCD each time and she finally resorted to emailing the corporate office. XXXX asked for a copy of the post card and I emailed it to her and she responded hopefully they will contact me back. On XX/XX/XXXX they closed my account and I no longer had online access. I explained from the beginning the XXXX $ I was over Drawn all from two XXXX $ monthly service charges could be paid off from the direct deposit 's and that according to the State the direct deposit was already issued from California and should be hitting the account any time from XXXX XXXX. Please help me I need My account and funds to pay my car payment and with out it I am afraid my car will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried saying and contacting BBVA. Here it is. This account was a suggestion request by a XXXX XXXX XXXX profile on XXXX XXXX XXXX. He initiated contact with me. This profile is going to have his contacts who he claims to be Hackers and will try to use this account. I tried calling BBVA hurry close that account before it's too late but nothing. It was not my intention. It was a XXXX XXXX XXXX with his contacts who requested that I open the BBVA account. Please close that account. This XXXX XXXX XXXX has my social security number ID address, where I work everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: FL

Complaint narrative:
I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, Citibank currently currently owns my loan with the following account number : XXXX.The loan has been discharged and I am currently making payments to XXXX XXXX XXXX ( as the attached paperwork will show ). 

Unfortunately Citibank is still reporting missed payments even though the loan is being serviced through a debt collection agency. I have attached my most recent consumer credit report as well as my payment history from XXXX XXXX and the response that Citibank had sent me when I initially challenged this -which you will find in the previous case. 

Citibank claimed they are not reporting on my credit which is'nt true, Citibank reported I filed for bankruptcy which isnt true, Citibank stated they sold my loan which they didn't I need to have these payments removed from consumer credit report and an updated letter from Citibank stating their intention to do so.Any help would be greatly appreciated

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 2019-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.

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 2019-02-08 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: GA

Complaint narrative:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.

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 2019-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX. I have also contacted my city police and contacted the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a capital one visa from cabelas ending in XXXX ... on XX/XX/XXXX I was 29 days past due and my past due amount was of XXXX..I made a XXXX dollar payment via ach that covered this XXXX dollar past due which since I made a payment on XX/XX/XXXX my account should be current..Unbeknown to me there was a limit with the amount of ach transactions with my credit union and the payment had a problem going  through..Capital did not inform of me this issue and once I found out on XX/XX/XXXX I made a payment via debit card..Because of this issue capital one reported to credit Bureau 30 days past due for XXXX even though I went online on XX/XX/XXXX to take care of balance..requesting capital one remove 30 day late payment since I went on line to make payment before 30 days past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: FL

Complaint narrative:
I just checked my credit report and I have Inquires I do not recognize on my Experian report. if possible, I would like them all removed. alot of them were unauthorized. if you can solve this issue it would be Great. Thanks

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 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was summond to court for a debt that was paid off years ago the company had gone bankrupt. The collection agency has filed a lawsuit against me to garnish my wages. I think it is unfair to be charged again for something that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of ID Theft and have been in contact with Experian for the past couple years regarding my credit report. Before I get into the fraud accounts in my credit report, I would like to state that I placed a security freeze on my report a while ago and Experian let " XXXX XXXX XXXX '' XX/XX/XXXX, hard inquire on my report when I it was supposed to been frozen and I did not lift it or ask it to be lifted. That is an improper sharing of my credit report without my permission an is a major breach on Experian 's part, they need to investigate how this happened, make sure my information was not comprised with this and remove this inquiry on the report. 

There are fraud items on my report that are negatively impacting my ability to get credit or even rent a apartment or house. I did not authorize this accounts and have sent countless letters to the creditors which told me to dispute it with the credit bureaus. Experian stated that the reason there not removing this creditors from my report is because the creditors they say provided that those accounts are associated with name, date of birth and social security number, but what I keep telling Experian and the creditors is that was because of ID Theft, they have my personal information but I did not open those accounts. I sent police report, returned back affidavits and it's still on my report. 

- XXXX XXXX XXXX, XXXXXXXXXXXXXX,XX/XX/XXXX.

- XXXX  XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

- XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX - XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

-XXXX XXXX   XXXX, XXXXXXXXXXXXXXX, XX/XX/XXXX, Note : this is just been added to my report this week and is not mine.

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 2019-02-08 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: LEXISNEXIS
State: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
TSC Accounts Receivable Solutions attempts to collect on previously paid bills. They will even charge interest on top of the fake debt. They call repeatedly and send physical bills in what appears to double collect for the bill. They mumble the name of the company and refuse to give you any identification name. A supervisor is not available. They cut off any questions you have with an angry loud voice to intimidate you and push what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: TX

Complaint narrative:
I am writing to dispute XXXX/TOTAL CARD ACCT # XXXX. The highest balance on the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My payments have historically increased and most recently without giving me any written notice. When I called they claimed they mailed me notice. Which I never received. I did receive my tax form so they clearly have the correct address. They continued to tell me I still had to make this new increased payment without me receiving a notices regardless. The biggest issue I have is that I've paid over XXXX on this loan since 2013 and the principal has only gone down XXXX. I feel completely over a barrel. Wells Fargo is crooked and unaccountable.

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