vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
Greetings, I am concerned with the business practice of Navient. They currently service my Federal Student loans. Over the last year my payment has constantly been different even through I am on a Income driven payment plan. They invoices don't match my billing, the billing doesn't match my loans, and I cant take advantage of interest reduction because I refuse to let the company auto draft payments out of my account. They are unable to accurately show me a schedule of payments, and the payments they do come up with aren't documented anywhere. I feel like I'm literally being robbed each month by a company that provides no service other then attempting to make me default on my loans through trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?

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 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BQ & Associates, P.C., L.L.O.
State: KS

Complaint narrative:
These people purposely gave the sheriff an address I haven't lived in since XX/XX/XXXX. I was never served nor did I know they were handling this account. I have been disputing it with XXXX I am 100 % sure they have my current address on file. We have mailed each other back and forth with my current address. They should have had my current address from XXXX when my file was transferred to them. This company was neglectful and denied me my legal rights as an American to defend myself from a lawsuit. 

They claim the account was originally opened with XXXX XXXX XXXX in XX/XX/XXXX. I have been living in my current address at that time. Wouldn't my current address be on the credit card application? 

I called them twice today. She asked for my info but I decided to give her my last 4 and phone number being that I didn't trust them. I wanted to know the address the supposedly served me at. Then they agent told me that's the address they have on file. I called them again for the second time after I called the court to inquire about filing a motion. I reached the same agent again. I asked to speak to the assistant attorney as advised by the court clerk I spoke to. The agent denied my request. She said the attorney doesn't talk to clients unless at court. She said she can give me the information I needed to know. She then admitted that they also have my current address on file. I asked her why woukd they give the sheriff an address that I don't even live in and she answered " that's the address you must have used when you opened the account ''. 
I asked her how is that possible if I haven't lived there since XX/XX/XXXX? If account was opened in XX/XX/XXXXit would be under my current address. I proceeded to ask her how they got my old address and she said " we don't have to tell you that, that's privilege information ''. 

One moment they claim I owe {$710.00} ( on report ) The next they claim I owe {$820.00} ( credit report ) Then it claimed I owe {$830.00} ( credit report ) Today they said I owe {$830.00}. ( Credit report ) I will be filing for a motion as well as countersue, but also needed to file a complain to shed light on their shady business practices. It got so heated that I couldn't even finish asking my question because of the agent repeatedly speaking over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, and never received notification from any lender to make payment. On XX/XX/XXXX I was called by fifth third bank by their collections department stating that I was delinquent. I communicated that I knew that I had a auto loan, but had not been notified in writing and made that request. 
The CS stated they could not send anyting in writing, but could take payment over the phone. ( I do not give or send money over the phone because someone calls and does not properly identify the business in writing and I can vet the information ). I got to the office on XX/XX/XXXX and spoke to customer service and requested a payoff and immediatly sent this via mail. ( As they refuse to take payoff via bank draft ). I am still getting calls from this banks collections department even after I have sent the payment in full. Just disgraceful treatment from a incompetent bank that is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: FL

Complaint narrative:
XXXX XXXX continues to report the incorrect amount to equifax they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to equifax is {$14000.00} which is the amount that is on the statement from XX/XX/2018! XXXX is violating the FCRA federal law they keep updating my equifax report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if XXXX does not update the account with equifax to the correct amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: OH

Complaint narrative:
My loan was transferred to XXXX XXXX in XX/XX/XXXX from XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be 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 explanation
Consumer complaint received 2018-03-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: OH

Complaint narrative:
My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be 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 explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I noticed on my credit report that I had a collection added from the company NATIONWIDE RECOVERY SYS. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I also noticed that the original company came from XXXX XXXX which made me even more confused considering I send them money every month and have yet to receive any type of updated bill or receipts in regards to the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on my credit report.

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 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX ( aka XXXX XXXX ) provides high interest loans ( 25 % + ) for XXXX work. Each time you decide to finance a procedure it is separated into its own " plan '' on the loan account. Depending on the promotion, you may have 1 or 2 years to pay off any given plan without incurring any of the deferred interest. My first two plans were 2-year deferrals opened in mid-XX/XX/XXXX and end of XX/XX/XXXX respectively and payments were applied in amounts weighted towards the first plan with the earlier deadline. My monthly payments were easily enough to meet the expiration dates. So far so good. 

At the end of XX/XX/XXXXand during XX/XX/XXXX, my wife and I had more emergency XXXX issues and since we had more available credit on the XXXX XXXX loan, we added four ( 4 ) more procedures ( plans ) to the loan. At this time, XXXX XXXX started allocating my payments across all six loans and I increased my monthly payment to compensate and stay on track to pay off the first two plans within the promotional expiration dates. 

Fortunately, the first plan was far enough along that it was paid off by mid-XX/XX/XXXX. As the expiration of the 2nd plan was approaching, XXXX XXXX began siphoning a larger proportion of my payments to the newer plans with much later expiration dates. In hindsight, I realized they were intentionally ensuring the amount applied to my 2nd plan would not meet the payoff amount and miss the deadline and incur the deferred interest. When I called their customer service to protest, they said sorry it is what it is. I was then told my only recourse was to explain my case to them in writing, which I did. I provided a schedule showing exactly how they had been applying my payments ( for which I could discern no logic ) and how they could and should have been applied to meet the deadlines. There written response was, " ... we find the finance charge to be valid. '' I find that XXXX has intentionally obfuscated the method used to apply payments to plans to make it impossible for customers to determine where they stand and adjust payments to compensate. But really, they are just a fancy predatory lender. I can only imagine how many others have been cheated this way. 

I have since been able to pay off all the remaining plans to keep them from cheating me on my other plans, but they have still taken me for over {$1000.00} in unfair interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion will not provide me their method of investigation regarding an inaccurate bankruptcy XXXX on my credit report. Transunion rep XXXX XXXX stationed in XXXX continue to state to me that the vendor that reported the information has certified to Transunion that information is accurate. This is the response i was given on XX/XX/2018 when i contacted Transunion for support documents and contact/address information regarding validation of dispute as Transunion states under CFPB complaint # XXXX that they mailed a letter to the court house themselves and the court house, not a third party vendor provided verification of bankruptcy. This is contradicting as XXXX XXXX stated to me that a third party vendor verified accurately. I asked for method of verification once again and was told that Transunion does not provide this information. I asked again for supporting documents verifying information and once again was told there was none and would not provide me with third party information.Under federal law, any innacurrate or incomplete information must be deleted. I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have as they have not received a letter and if they did they would respond that they do not provide information to CRAs. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Transunion continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/, I deposited {$5000.00} into my Coinbase account. On XX/XX/XXXX, I attempted to withdraw the same {$5000.00}, but was only allowed to withdraw {$3000.00} without further identity verification. I attempted to verify my identity, but Coinbase 's third-party verification system " could not locate my ID. '' I contacted Coinbase on XX/XX/ and was instructed to attempt different variations of my personal information. After many more attempts this was also unsuccessful. I again contacted Coinbase on XX/XX/ and explained that I continued to have issues with their verification system. I further explained that this was mostly likely due to my status as a XXXX XXXX XXXX since my personal identifying information has been blocked/removed from public records. The only solution Coinbase provided was to keep trying. My identity will never be able to be verified using traditional third-party methods and Coinbase is holding my funds hostage without providing an alternative verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.

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 2018-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Transworld Systems , Inc. assumed debt from XXXX XXXX XXXX XXXX XXXX. I questioned the amount of debt and requested confirmation of the debt. In XX/XX/2017, Transworld notified me that I had 30 days to set up a payment program through them, or they would garnish my wages. I sent them correspondence within the 30 day time limit requesting to set up a payment program, but they garnished my wages anyway, with no notice to me that the garnishment began. I became aware of the garnishment in the change to my paycheck, from which they are withdrawing about {$400.00} from each check. 

I also believe that they initiated collection and garnishment on this debt during the time frame that the federal court froze their collection practices during XX/XX/2017federal litigation against them. 

My file number with Transworld is XXXX. I am attaching correspondence with postmark showing I sent a timely response to their request within the 30 day limit they imposed on my account. I additionally called and left messages for them to contact me within that 30 day window of time, and they failed to return the calls, choosing to garnish instead.

Company response to consumer: Closed with explanation