vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.

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 2018-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
I had the 3rd Party assisting me and ever since they tried to get my file submitted for review for a loan modification every representative with my lender and my foreclosure attorneys as well they gave XXXX XXXX the run around, one would say oh you need to speak to the lender and then other would say you need to speak to the foreclosure and trustee attorneys on this this went back and for XXXX XXXX as this is not how anyone lender is to run a operation with representative that throw you from one rep to another and now during all this time I was trying to save my home and in the meantime the placed a foreclosure sale date on my property for XX/XX/2018 and they SOLD my home after making so many attempt to get one person with me XXXX XXXX XXXX XXXX and my foreclosure attorneys to at least listen to me and they would not even listen to a XXXX party and I now lost my home due to the lender and the foreclosure attorney negligence, when all I was requesting was to apply for assistance they would not even place me in review al they wanted to do was sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted Equifax XXXX online XXXX, XXXX and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
Fraud alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have an account that i have never paid late but they reported my late 2 months. I always paid online and was given notice that my payment was always paid on time but a couple times i got notice 30 days later that due to a website problem my payment was never received. It was reported as late on my report and effected my score negatively and they won't correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: GA

Complaint narrative:
I called arstrat phone # XXXX because I got a bill from them in my name as the responsible party for another person. I have no children. They advised I had to pay it because was my insurance I advised party involved is not a minor and is an adult the amount owed would be collected from responsible parties being the persons name, not I. The stated that I would have to pay because they have me listed as so. I explained again I am not responsible for that other parties debt. They advised that I go and get the monies from them to pay the bill. This is not my job and I am not going to do that I do not want this company sending me any more letters or calling my phone. I am not the responsible party!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: IL

Complaint narrative:
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX ( online ), TransUnion, and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the 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 2018-09-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX  ( online ), XXXX, and Experian to advise of the issue. I asked was there a XXXX  alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the 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 non-monetary relief
Consumer complaint received 2018-09-24 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: MA

Complaint narrative:
I started off with a fixed XXXX to XXXX interest rate on my private loans. Over the last several years they have raised that interest to XXXX and XXXX. 

Additionally, more than XXXX % of my payments go to interest and hardly makes a dent on the principal. 

Ive paid off two smaller loans totalling $ XXXX. And managed to hit just $ XXXX which hasnt moved for several months because of how navient chooses to disperse my payment on interest versus principal. 

My payments to navient have varied from {$590.00} down to {$490.00} a month. 

Thats easily $ XXXX a year that I pay out of a $ XXXX salary. 

Thank you for your attention. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery services has claimed that I owe {$1000.00} and {$750.00} from XXXX XXXX XXXX credit cards. I have sent a series of letters to both Portfolio Recovery XXXX and all 3 credit bureaus requesting validation of this debt. I began this process in XXXX, specifically mailing my initial letters on XX/XX/2018, delivered on XX/XX/2018. My accounts were not marked disputed on my credit reports on XX/XX/2018. I sent another letter on XX/XX/2018 asking for the names, addresses, and telephone numbers of persons who verified this debt. They have violated the Fair Debt Collection Practices Act, specifically Section XXXX, as well as the Fair Credit Reporting Act, citing Section XXXX. I have also sent several letters to each of the credit reporting agencies with no avail. They are continuing to verify this debt without providing any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
From XX/XX/XXXX Fall Semester at XXXX university I had a loan with Salle Mae. The loan was approved and I went to school and sat in class. in XX/XX/XXXX my loan was taken back from me mid semester. I was informed by XXXX University  That Salle Mae took back my loan after the financially clear date. I ended up back at home facing extreme loan debt while attempt to restart my education because most of my credits didn't transfer over. 

Salle Mae is missing that particular loan document to which I will need in court against Navient. 

this is a formal complaint against Salle Mae, Navient and XXXX University. 

I am entitled to all documents signed by me and my cosigner. 

I have spent a month attempting to get the correct document from Navient and without this all documents are null and void. 

I signed 4 documents considered loans with Salle Mae 3 approved and one approved anhen unapproved at a later date and pulled from my school XXXX at the time. 

This is a document I will need in all cases against Navient and or Salle Mae. 


Both parties are claiming they can not locate it. 

Please assist as I will need the document as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, US Bank responded to my previous complaint ( filed on XX/XX/XXXX ) with numerous false statements and still charged me interest fee ( pages 1 and 4 of attached enclosure ), even though they reversed my late fee. The discrepancies are as follows : -The letter stated that on XX/XX/XXXX, I spoke with a female representative in XXXX XXXX who was professional and reversed the late fee at my request. However, this is a false statement, as a spoke with a male representative named XXXX, who was rude and hung up on me before I could be transferred to a supervisor, who was a female. 
-The late fee was reversed when I contacted the US Bank XXXX XXXX XXXX via XXXX on XX/XX/XXXX and got a call from a representative named XXXX . He reversed the charges on my account. Why would I have contacted the Social Media Team on XX/XX/XXXX and filed a complaint with the CFPB if the person I spoke to on XX/XX/XXXX actually reversed the charges, as I requested? Why would XXXX have called me on XX/XX/XXXX to follow up and tell me that the charges were reversed if they had been reversed prior to our fist conversation? 
-The letter stated that I had not logged into the online banking platform since the statement period closed ( on XX/XX/XXXX ) ( page 5 of attached statement ) .The attached screenshot proves that I did indeed, log in on XX/XX/XXXX to make my payment, as I alleged in my original complaint. The history screenshot also displays the same sites that I logged into to make my payment on XX/XX/XXXX. Therefore, evidencing that this statement in the letter by US Bank is completely false. 

US Bank clearly did not research my complaint adequately and provided further false information in their never ending unfair and deceptive business practices.

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 2018-09-24 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian dose not take off identity theft. I send them driver license, police report, identity theft report. Left off confession of the theft. Along with 2 utilities bills to prove my identity along with the theft. XXXX XXXX XXXX posed as me to open credit cards, banking accounts, auto loans, Florida unemployment, other accounts unknown what they are. On my Experian credit report it shows identity theft. Account name XXXX XXXX  XXXX   credit card. Account number XXXX. {$500.00} over the limit XXXX. XXXX XXXX XXXX XXXX auto loan. Amount {$17000.00}. 2 accounts from XXXX  XXXX XXXX XXXX Account number XXXX amounts {$340.00}. The other account from the same company is XXXX. Amount {$650.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX : I contacted Chase about XXXX XXXX XXXX XXXX  credit card ( current account ) which was upgraded from XXXX XXXX XXXX Credit card ( former account ) in XX/XX/2018 per email and USPS promotional materials. 

I reviewed my XXXX XXXX  loyalty account and noted that I was not receiving XXXX XXXX Credit for each {$3000.00} in purchases that I made. 

I have talked to representatives from Chase twice today and a phone message indicated that the call was being recorded ; I also spoke with representatives from XXXX XXXX. 

Both Chase representatives indicated that the " Terms and Conditions '' for my former account, Premier, contained both # XXXX  -- " Each calendar year a maximum of 15 XXXX XXXX  credits will be credited to one of your XXXX Loyalty Program accounts .... '' and # XXXX -- " You will earn 1 XXXX  XXXX credit for each {$3000.00} in Purchases. '' Both Chase representatives confirmed that the " Terms and Conditions '' fora my current account, XXXX XXXX, contains a provision similar to # XXXX but does not include a provision similar to # XXXX. 

I indicated that the elimination of a provision similar to # XXXX was not communicated to me around the XX/XX/2018 timeframe when I had several discussions with Chase representatives about the benefits of an upgrade to XXXX XXXX. Never did any of the Chase representatives indicate that I would no longer earn " XXXX XXXX  XXXX credit for each {$3000.00} in Purchases. '' The loss o this feature means that to date I have not earned some 3-4 XXXX XXXX credits, which if added to my XXXX Rewards account would aid me in accumulating enough Elite credits to enable me to reach XXXX XXXX   or XXXX XXXX status. 

Chase has been misleading in encouraging an upgrade, for an additional {$10.00}, with an ability to earn more points but eliminating the ability to earn XXXX  XXXX   credits. 

Today a Chase representative politely informed me that since it was 60 days beyond the date of the upgrade, " Chase had no ability to reverse the product change '' that was made. 

I am disappointed by this bait and switch tactic used by Chase and seemingly encouraged by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I had a car that was purchased with my XXXX  husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.

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 2018-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.

Company response to consumer: Closed with explanation