vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan is in the process of transferring from XXXX to Navient. Navient does not have my information, and I am unable to make a payment - yet, they will continue to charge interest. I have spoken with three customer service individuals over the last two days and been told inconsistent information as to the time-frame of when I will be able to make a payment, ranging from 2-3 days to 30-60 days.

XX/XX/XXXX - Student loan was transferred out of XXXX and this was the last date that interest accrued XX/XX/XXXX - Call to Navient. The customer service rep and his supervisor both stated I may not make a payment until I receive a " welcome '' letter. 
XX/XX/XXXX - Call to Navient. Customer service rep stated I may not make a payment.

XX/XX/XXXX - Call to XXXX XXXX XXXX XXXX XXXX, Office of Consumer Advocacy. They provide assistance to consumers related to loans serviced by them, which is XXXX. However, loan left XXXX and interest stopped accruing with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a credit card fraud case where my Bank of America debit card was stolen from my bedroom. The debit card was used online for purchases and also at ATM 's to withdraw money. The first transaction occurred XX/XX/XXXX at XXXX XXXX XXXX XXXX and the last transaction was on an online purchase on XX/XX/XXXX. The total amount lost was a little more than {$6000.00}. 

My claim was denied a couple of weeks later. The bank claimed that I must of given my information out for someone to be in possession of my card and pin number. I then did my own investigation and discovered that someone stole my banking information and was logging into my bank account and changed my phone number on the account. The bank claimed that they had blocked the card because of suspecious activity and that someone called to unblock the card. I then told them to go back and listen to the audio so they can see that the person that was claiming to be me was not in fact me. I was then told that it had to be me because I was logging in to the account. I then told them that I've never even created an online account and that they should check the IP address to see that it was not my IP address login into the bank 's website. I was then told that I must have made the ATM withdrawals because my pin was used. I then told them that it was not me and that they can obtain the ATM footage to see that it was not in fact me. I was then told that I need to go obtain that footage and send it to Bank of America. I then told them that it would be impossible for me to obtain that footage because I am not law enforcement. 

I've filed a police report with the XXXX XXXX. Police department in XXXX NJ a week after the incident occurred. 

My claim has been denied twice, BOA claim that there were no issues with my account and that I authorized the transactions.

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 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I accidentally made a payment online twice via ACH though my checking account. I immediately called them to cancel the second one that still showed pending on my transaction history screen. They told they would not cancel the ACH and that I would have to issue a stop payment through my bank. Which would have caused the payment to be returned with them resulting in additional fee 's from Compass. My bank would have also charged me a stop payment fee on the ACH transaction as well. The rep I spoke with was XXXX. I finally told him to post it as a principle only transaction since they refused to cancel it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07 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: MI

Complaint narrative:
XX/XX/2018 - There is an incorrect address listed on my Experian credit report. I have never lived in Massachusetts.

Experian will not handle the dispute online.

When I call to have the dispute handled, the wait time is 2 hours. This is unacceptable.

I can not help but feel that Experian is a scam website. My first credit report came out without this fraudulent information - granted, it had *other* fraudulent information - but the most recent one includes two pieces of *new* fraudulent information. Are they trying to scare me into buying their product? How did my credit report get so much worse in the 2 weeks that I have been using Experian?

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account : XXXX Dear XXXX XXXX  XXXX, XXXX XXXX XXXX is now XXXX XXXX. 

Thank you for your email with XXXX received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at XXXX XXXX XXXX XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX. - XXXX XXXX., and Friday, XXXX XXXX. - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.

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 2018-03-07 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: Lending Club Corp
State: IL

Complaint narrative:
I have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.

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 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with 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 2018-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from 07 NATIONAL COLLEGIATE TRUST. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and NATIONAL COLLEGIATE TRUST was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and 7 NATIONAL COLLEGIATE TRUST case Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL

Complaint narrative:
I have been sued for two private student loans in XXXX XXXX XXXX Florida. These loans are past the statute of limitations in Florida as they are more than six years past the first payment due date in the notes. 

I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these actions to have happened at all without response to or contacting my legal representation. 

Additionally the companies have tried to present this as credit card debt and not promissory notes, fraudulently misleading the court. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case 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 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity was Stolen. since I found out I denounced it and the company what it does is send a letter saying that it is mine without sending me any evidence, since I asked to send me some proof that I am the owner of this account This is like other Accounts that were used fraudulently and I denounced them without having a correct answer, and damaging my welfare and putting my family at risk I know they are discriminating against me because I know that people of American origin they Help with their identities when they steal it his identity. 

I report this to XXXX XXXX POLICE REPORT DATE XX/XX/2017 CESE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I  have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rodenburg LLP
State: ND

Complaint narrative:
The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents on XX/XX/XXXX but received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( XXXX # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CA

Complaint narrative:
Disputed an item on my credit report that is clearly a medical collection account. Account type is listed as a collection account rather than medical ( COL 48 vs Med 90 ). Experian unwilling to change account type to accurately reflect the account type. Also, Experian did not add a 180-day grace period to resolve the medical debt before it appears as a past due amount on my credit report per the new law passed on XX/XX/2017.

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 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: FL

Complaint narrative:
I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.

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