vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending
State: FL

Complaint narrative:
We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously  wonder who is stealing our information at this point! XXXX and XXXX 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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. Unauthorized inquiries on my credit report on XXXX, XXXX, and Experian. I can only provide images of XXXX, and XXXX inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3.  Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors

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 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CA

Complaint narrative:
In XX/XX/XXXX, A Thief stole my information and fraudulently opened a XXXX XXXX Account in my name that should have been caught by XXXX XXXX if they did their due diligence. The account was defaulted on by the thief, and went to collections. I received notification when I purchased a new car in XX/XX/XXXX that there was a collection account. Since I did not open a XXXX XXXX account, I contacted law enforcement and filed a police report regarding the ID theft. In XX/XX/XXXX, I submitted a dispute with Experian and provided the police report. They initially removed the credit inquiry and the collection account after providing the supporting police report. In XX/XX/XXXX, I pulled another credit report and saw the collection account was back. I again disputed the information and Experian now refuses to remove it. I resupplied the police report and showed the account was not mine. Experian refuses to cooperate and has not promptly removed it. Now, I can not even pull a credit report online through Experian. It is ashamed that a thief has been able to cause this much damage and the credit bureaus that are supposed to protect my identify are now contributing to the victimization. What more could I possibly do??

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 2017-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weinberg Mediation Group LLC
State: TX

Complaint narrative:
A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: ERC
State: IL

Complaint narrative:
XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I put in withdrawal to get money from my XXXX XXXX 401K retirement account. I filled out the paperwork and XXXX XXXX stated the money should be in my Chase checking account within 2-3 business days. When 5 days passed and I did not see the money in the account, I contacted XXXX XXXX and they stated the money had been send via ACH to Chase on XX/XX/XXXX. They stated that I needed to contact Chase because they had the confirmation detail that stated the money was accepted by Chase. When I contacted Chase they stated the money was never send over. We then later realized that the account number on the XXXX XXXX from was missing a digit therefore, Chase went ahead and credited the ACH for {$2800.00} into the incorrect account number despite the Payee information provided. Such as my name, SS Number etc. When we realized what happened, XXXX XXXX submitted a recall request and was unsuccessful because the Owner of the incorrect account withdrew the money out of the account and put the account into nonsufficient funds. XXXX XXXX 's supervisor and I contacted Chase together and let them know that we were trying to recall the money and we were unsuccessful. Chase then asked XXXX XXXX to fill - Reclamation form electronically again. XXXX XXXX did and again, the recall request was again unsuccessful due to nonsufficient funds in the receiving account. XXXX XXXX contacted me and I then contacted Chase again to follow up and speak to someone. Today, XX/XX/XXXX, after over a month of trying to get this resolved, contacting supervisors, Fraud department, ACH departments, etc., they are stating they are sorry but they are under no obligation to verify any account information to ensure they correct account is credited when they receive a ACH and there is absolutely nothing they can or will do. Please help, I find it totally bazaar that Chase hold no responsibility for depositing money in a incorrect account when none of the ACH details ( such as my name, etc. ) match the receiving account. I attached all the document I have. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Requested reports by clicking on XXXX  on Washington State Attorney General 's credit site. Requested report on XXXX. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the XXXX website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''.
Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken.
I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction.
Thank you.
P.S. This was all online or by telephone so I have no documents.

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