vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX I had went through the process of correcting my Experian credit report after my husbands identity was hacked through the Office of Personnel Management. At that time a Freeze was put on his credit file. I was told this morning I would have had a password sent to me. Neither of us remember getting a password from them. I called his morning because the car that we take our son to treatment for XXXX broke down and I was trying desperately to get a loan to get it fixed. XXXX offered to give us the funds but needed to access my husbands credit file that was frozen. I called Experian at XXXX XXXX XXXX. at XXXX XXXX XXXX and got nothing but computer mazes saying I had to write to them. I finally called around and got a XXXX XXXX XXXX number. I called it several times and was finally able to get a live person. I explained the situation and she still insisted on me writing a letter. I asked repeatedly for a manager and finally got a " XXXX '' who claimed was a manager, ( although suspicious ) I explained we disperately needed the loan and I could provide a proof of my sons illness and proof of the tow bill dated XX/XX/XXXX and the repair bill estimate if needed, she put me on hold and then said I could either pay her {$20.00} to overnight a password, or mail request. I gave her may credit card to overnight the password and asked for confirmation. She said she didnt have a confirmation. I asked why since I gave her my card to pay the {$20.00} fee to overnight and she again claimed there was no confirmation. Nothing to show she was going to overnight the password I needed. She seemed only interested in money, and not helping with the situation at all. I am very disappointed that this company takes all our information and seemingly holds it for ransom on their terms. More like extortion. They allow people to steal our credit, charge us to clean it up, put a freeze on our file, and then charge us to take it off. What a racket!

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 2018-09-25 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: FL

Complaint narrative:
I have filed numerous disputes with Experian credit reporting agency about two items on my report. I have asked for verification of these two debts but I have not received any proof of this debt. I called both agencies that have report these debts and they refuse to provide proof of this debt to me. The fist account is child support XXXX/XXXX/XXXX account # XXXX the address for this account is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And the second is child support Enforcement account # XXXX The address for this account XXXX  XXXX XXXX, NY XXXX. I have called and written this corporation and I havent received any thing from the verifing that I owe them any money please advice on what to do now!

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 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My account was closed with Chase Bank without them acknowledging me before hand. On XX/XX/2018 my direct deposit from work was deposited into My account that I later found out was closed. I called chase to see if I could just pick up a check for the remaining balance or have the funds transferred to my wifes account. I was told no and that a paper check would be mailed to me and it would take 7 to 10 business days. 10 days passed and still no check. I called chase again and they extended the mailing date but could not give me a reason as to why the check did not come. I called customer service several times and have gone into the branches in my city and I still didnt get any answers. I went into a branch and was told that I could open another account and have the funds transferred into the account and it will take 4 days. Today is the fourth day and I have still yet to receive my money. I called customer service and they said there was no paperwork or anything on file that showed I should be receiving MY money. Is has been almost a month without my money and Chase has been nothing but rude to me when I call to recitfy the situation. I will have no choice but to have my lawyer contact them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Interest rate is very high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX One opened on XX/XX/XXXX and another on XX/XX/XXXX both in the amounts of {$570.00}. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: OH

Complaint narrative:
Transunion has bad information, addresse 's and are reporting them to credit companies. This is nicking my credit rating. After calling, this is a boiler room operation that employs people that can bearly speak english. This should not be allowed let alone destroy people 's credit rating. This XXXX cent operation should be shut down.

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX   XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.

Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance. 

XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day. 
I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
they still havent credit XXXX k in charges sent them police report 3 times still waiting for resolution

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 2018-09-25 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: TX

Complaint narrative:
inaccurate information ftc was 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 explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding 2 collection accounts on my credit report. Both times I have requested proof of the debt. They refuse to provide proof of debt and have stated its the original creditors responsibility to report it to them. 

I spoke to original creditor on both XX/XX/XXXX & XX/XX/XXXX they state that they have no open account. Dates on " collections '' are from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. 

I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. 

The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.

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 2018-09-25 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: TX

Complaint narrative:
inaccurate information ftc was 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 explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.

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 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My private student loans which were serviced by Navient fell into default when I wasn't able to make full payments. At that time Navient turned over my loans to XXXX XXXX XXXX a debt collector. Upon speaking to XXXX XXXX XXXX, I was able to negotiate with them a reduced interest payment plan if I paid {$400.00} per month. According to the letter they sent me I needed to make the following payments to get on the program {$200.00} on XX/XX/XXXX ; {$200.00} on XX/XX/XXXX ; and {$200.00} on XX/XX/XXXX then upon my receipt of the next {$200.00} payment on XX/XX/XXXX my interest would be reduced to 0.0010 % and would remain at that rate provided I continued with the agreed payments of {$200.00} biweekly. All of my payments were successfully processed and still my interest rate was not reduced. I spoke with XXXX XXXX XXXX in XXXX, XXXX and XXXX when I noticed each month the rate didn't change and they promised me each time the rate would change after the " next payment. '' I then called Navient who told me they could not help me other than to say they have no knowledge of this agreement and my interest rate was still 11.5 %. I called back to XXXX XXXX XXXX and spoke with Supervisor XXXX XXXX who also promised me they would fix the interest issue and backdate it. I spoke with Navient again on XX/XX/XXXX and they said the interest rate is still 11.5 % so I sent them documentation of the letter from XXXX XXXX XXXX to show proof of the agreement. I called XXXX XXXX XXXX today XX/XX/XXXX to find out they changed their name and the reps keep hanging up on me each time I tried to call. Navient has not responded back to me to date on the issue. I don't know what else to do. XXXX XXXX XXXX is still deducting the biweekly payments of {$200.00} from my checking account. Navient is processing the payments and each payment is going to interest nothing to principal balance. Meanwhile Navient is still positing to my credit that I am not paying on my loans. The mark is failure to pay each month. They have told me they will not stop the negative reporting even though I am making payments according to my agreement. Please provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. 
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. 
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX  XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. 
- Refund my checking account balance Thank You .. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I owed {$140.00} to XXXX when I lost my job and home, National Cedit Adjusters are trying to collect {$280.00}. I spoke to someone originally on XX/XX/XXXX, she said I could pay the {$140.00} and it would be paid in full. I asked them to send me that in writing and I would immediately pay it. In XXXX, I started getting calls again, but no letter. Gave them my brother 's address in case letter got lost in mail. In XXXX, after calls started again, I answered and told them no payment without a letter. They tried to email me a letter from someone's XXXX account, still trying to get {$280.00}. Told them I wanted paper copy for {$140.00} or not paying. They now call 3 or 4 times every weekday, about half a dozen different numbers and get hateful if I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: DE

Complaint narrative:
On XXXX XXXX XXXX I received an alert from XXXX credit alert that an account was placed in collection by Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX , XXXX XXXX phone number XXXX XXXX. The amount of the debt was {$340.00} the original creditor name was XXXX XXXX XXXX. This company failed to notify or contact me pertaining to the debt to allow me the opportunity to dispute the debt, but instead reported to the credit bureau causing a negative impact on my credit score. This is the third company that tried to collect the debt for XXXX with each one sending the debt back to XXXX for validation. XXXX is attempting to charge for debt that I do not know they charge a month in advance for their services I was not at the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, moved out XX/XX/XXXX. XXXX was supposed to provide me service at my new address XXXX XXXX XXXX XXXX XXXX XXXX, but due to the fact that my daughter had already had service in the home already, they waited intill the day before the install date in XX/XX/XXXX to inform me that they could not install the service for me the day the connection was supposed to take place. XXXX is trying to charge for service that I did not receive. My XXXX account has always been paid up one time and there is no balance owed to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: FL

Complaint narrative:
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I was hired by a friend to perform a project for his company. He failed to pay for 3 months so I started searching online for leads and information how to collect on past due invoices. I was lead to XXXX debt collection and provided my information to speak to someone. I did not know I was signing a contract by providing my information. Upon speaking to the representative over the phone, I was asked to provide supporting documentation of the debt. I did not respond to the email nor did I provide any information. 

The debt collection agency, TSI, followed up with emails asking to provide invoices or any information supporting any claim of not being paid. I immediately responded to two emails stating to stop any collection attempts as I did not authorize anyone to make collection attempts. My emails went unanswered. My friend who hired me is a friend I was working out a plan with to hopefully obtain more work in the future but be paid in advance as opposed to work and be paid later. And now I am getting phone calls, emails and now a letter from an attorney for 50 % of an amount they say they collected for me. Please help.

Company response to consumer: Closed with explanation