vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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: DISCOVER BANK
State: NM

Complaint narrative:
on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting false information that is inaccurate and erroneous to the 3 credit bureaus that is not in compliance with the FCRA. I have never signed or opened an account with them. I have sent multiple letters ( see attached documents ) to XXXX XXXX and the 3 credit bureaus ; however, the investigations and re-investigations continue to come back as verified. XXXX XXXX is not a creditor ; however, they are reporting as if they are to cause maximum harm to a consumer 's credit score by providing informational changes on a monthly basis that pertains to an account status changing from installment debt buyer factoring company - other. In addition, the account shows as other on some reports and collections on another report, and they might change to show open or closed as well for the status of the account. In addition, they are reporting past dues and payment histories as if they are a creditor. Furthermore, under FDCPA 803 ( 4 ) - a party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. XXXX XXXX is not my creditor. I have never opened an account with this collection agency. Please find the information in the attached documents pertaining to my information and their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with CHASE AUTO. 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 and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. 

I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. 

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX. 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   and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC. 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 and WELLS FARGO DEALER SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selene Finance LP
State: NJ

Complaint narrative:
Selene Finance has refused to provide me with a mortgage statement that I need to have for my appointment with New Jersey Citizen Action.I have been asking for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Once graduated in XX/XX/2011, I was told I had to pay a very large sum every month. I explained I was not making enough money to afford the minimum monthly payment. I was told to put my loan in forbearance. I explained I could afford XXXX dollar payments a month. They told me that was not an option and forbearence was my only option.

Fast forward 1-2 years later they discuss Income Based Repayment which I signed up for. They said I could pay XXXX $ every month because my yearly income was so low, but left out that my interest would still be accruing. 
They also never discussed the benefits of consolidating my 10 separate loans so in doing my loan research years later I called and asked to consolidate. The woman I spoke with even stated " she was surprised this wasn't initially gone over when I first applied for the Income Based Repayment option. '' They also have my school loans listed as University XXXX XXXX? I have no idea why as I have never attended that school. 
My first mistake was going to the for profit college XXXX XXXX and finding out later I was lied to and thought to believe I would get a degree and have a well paying job. My second was listening to Navient and believing they had my best interest at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MS

Complaint narrative:
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them. I have submitted 2 claim already with the CFPB ( XXXX,XXXX, and this still hasn't been resolved. I specially asked to be provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. To this date no documentation has been provided.

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 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NC

Complaint narrative:
requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX is calling several times a day, 7 days a week. I have explained my situation to them several times, but the constant barrage of calls every day is harassment in my opinion.

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 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he  told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with 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 2018-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On several occasions I tried to explain that I sold this car ( XXXX ) to the dealer and purchased another one from them the XXXX. In additioni paid the dealer almost {$5000.00} which included all fees, taxes etc., etc. Now 6 months later the leasing company XXXX XXXX XXXX decided that I owe them {$460.00}. I don't owe them anything. If there was an underpayment, it is the Dealer who owes the money, not me. 
Now, they are playing games with the credit bureaus, reporting me as delinquesnt. As a result my FICO score has dropped 50 points which means my credit worthiness is below the good line.

Terrible business whereby a large giant foreign company can manipulate my credit score. I am  almost XXXX years old, pride myself as being a good citizen and honest person and one whopays his bills on time. All my accounts are up to date except Hyundai. 
They are completely unreasonable, knowing they are hurting my credit they refuse to remove this from my account. Well, I will not pay for something I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi 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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc
State: DC

Complaint narrative:
I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am filing a complaint against MEDICAL DATA SYSTEMS I a medical debt collector and XXXX, XXXX  and XXXX   Credit reporting agencies. The complaint involves MEDICAL DATA SYSTEMS I reporting a collection on my credit report knowing that the Insurance company XXXX XXXX XXXX XXXX is responsible for the unpaid medical bill. I have contacted XXXX XXXX XXXX XXXX and they have confirmed that I have insurance and that they will pay the bill once received from MEDICAL DATA SYSTEMS I/XXXX XXXX. I have also contacted MEDICAL DATA SYSTEMS I and they agreed that the bill would be placed back in their insurance division and not collections. 

I filed a dispute with XXXX, XXXX and XXXX  explaining that this bill should not be a collection because the insurance company has agreed to pay the amount of {$2200.00} for a medical bill that is covered under my insurance. 

MEDICAL DATA SYSTEMS I reported again that the bill was a collection, knowing that they had been in contact with XXXX XXXX XXXX XXXX and they verified that insurance would pay the bill. 
MEDICAL DATA SYSTEMS I is fraudulently reporting information to the credit bureaus that they know is incorrect. I am requesting to have this derogatory information removed from my credit report. I also want to add XXXX, XXXX and XXXX to this complaint for willingly participating in this fraud. I have attached a letter from XXXX XXXX XXXX XXXX confirming the mistake and pending payment

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