vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Over the course of six phone calls, I've attempted to amicably resolve the dispute with Navy Federal Credit Union. With continual requests for additional information, the requests not being provided in a timely manner, the situation culminated when XXXX with Navy Federal Credit Union security called me at approximate XXXXXXXX XXXX  on XX/XX/XXXX and threatened me with bodily harm and death. 

The initial charge for approximately {$450.00} was made in XXXX with XXXX XXXX, a political sign manufacturing company. After many jobs having gone wrong previously with the company, I requested a refund for one of the projects which had gone wrong. I disputed the charge with Navy Federal Credit Union and the company has taken an unacceptably lethargic approach to resolve the dispute. 

After many weeks of back and forth communication with Navy Federal Credit Union, I provided Navy Federal Credit Union with every possible shred of evidence that the XXXX XXXX company had provided signage that was delivered with unacceptable damage and quality control issues. Today, XX/XX/2018, I sent final documentation to Navy Federal that they've requested with information that I'd sent the merchandise back to the XXXX XXXX  company, as XXXX XXXX revoked online access to my online ordering account and refused to continue communicating with me by email. 

After sending the final requested documentation to Navy Federal Credit Union, I provided final warning that if I could not solve this amicably, I would be forced to pursue this matter in small claims court. It was later that evening that I received a threatening phone call from XXXX on the security team. I'll have to file a police report, as Navy Federal has access to personally identifiable information that would endanger my family if XXXX followed through on his threat of bodily harm and death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I never signed up for Syncrony Financials card security on my Care Credit Card. They have now for the past two months charged me over {$150.00} in card security fees that I never signed up for. It is surpassing my interest its ridiculous and I never opted in nor did I know that I needed to opt out of it. I have emailed them twice. Once on XX/XX/2018 as well as XX/XX/18 that is atrocious and I used this card to help me get myself better at the doctors not at some store getting a manicure.

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 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX  XXXX even had the right person or the proper account!

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX XXXX even had the right person or the proper account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I applied for for federal public service loan forgiveness program. I thought I had approx. 3 years left of loan payments only to learn that I haven't made one qualifying payment from the loan servicer customer service rep, with no recourse to help me understand what happened or why I never qualified, even though I've worked in XXXX and XXXX for the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Multiple hard credit inquiries that have negatively impacted credit scoring. Credit accounts fraudulently being opened. Lack of process or procedure to safeguard against future reoccurrence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis is sharing inaccurate information with the 3 credit bureaus : XXXX, XXXX, and XXXX. I sent them a notarized letter via certified mail and a letter from the court regarding this inaccurate public record. LexisNexis needs to remove this erroneous item from my file. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX updated it correctly and quickly ( because it is a proper company ) ... XXXX did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did Equifax ( which I did contact ). 

I called Equifax and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first Equifax claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then Equifax stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( XXXX ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX   on my report and any mistake on their end is not my problem.

Equifax 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the answers should be clear in the attached memos from Experian deleted the account in collections from my report a year or two ago. Its back. Its very upsetting and frustrating since it has negatively impacted my credit score again! I want it removed and fixed please!!

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018 at approximately XXXX EST I attempted to place a credit freeze on my credit report with Experian PLC. I attempted to place this credit freeze online via the Internet. After entering all required information I received a message requiring me to send further information via registered mail. Registered mail is not free. It is my understanding current law requires credit reporting companies to place credit freezes at no charge to the consumer. Please require Experian to place a credit freeze on my credit report free of any charges. Thank you for your assistance.

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scheer, Green & Burke L.P.A.
State: TX

Complaint narrative:
I received several calls from this company. I have had several medical Bill 's obtained in my name, credit cards obtained, a judgment filed against me but after I was made aware of it years later and my police report proven, the lawyer corrected it with the court. I have advised this company before filming with the XXXX that this debt is not mine. So here I will provide a police report when I was made aware of the identity theft. I do NOT owe this bill and am unaware of any hospital Bill 's in my name, AGAIN!!! I ma NOT refuting that the bill is due, just not by me. This is NOT my bill and I am disputing that. As a law office you should be aware of the many ways one 's identity is used. I do not care about an INVOICE, this is NOT my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans have been in forbearance due to part-time enrollment at a XXXX   college. I finished my last class in XX/XX/2018, and my first payment should not have been until 6 months from that date, which would be XX/XX/2018. However, knowing how sneaky private loan servicing companies ( i.e., Navient, my student loan servicer ) are, I checked my balances monthly. I checked in early XXXX and nothing was due. Then I checked again today, on XX/XX/2018, and saw a payment due on XX/XX/XXXX. Navient failed to notify me ( despite me being enrolled in email notifications ), and did not honor the 6-months timeline for forbearance to end after seizing enrollment. I believe Navient did so on purpose, to unsuspecting customers, forcing them to miss a payment. Please investigate, and I will surely be following up with Navient today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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:
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( Experian ) about delinquencies reported for account Account ( XXXX Advance Mastercard Account Ending in XXXX ). XXXX XXXX  reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from Experian on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX  ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) Experian credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY XXXX CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : Experian bureau and Bank XXXX. There is no real information provided from both of Agencies. XXXX customer support told that none reported to Credit bureau, but Experian Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( XXXX and Experian ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.

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 2018-10-18 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: John C. Heath, Attorney at Law, PLLC
State: ND

Complaint narrative:
on XX/XX/2018 i Singh up for XXXX XXXX to repair my credit and after few months i canceled it due to my financial problem, so they messed up my credit score. then i've been trying to build my credit by my own up to XXXX. suddenly they called me last week trying get me to Singh another contract which i said no, then i cheek my credit score next day its dropped XXXX. they did the same thing with wife, her credit score was XXXX and when she cancel its doped to XXXX. please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I settled a debt with a company called JH Portfolio Debt Equities on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... XXXX   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a  supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( JH ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from JH on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... Experian   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX  ) used an agency ( XXXX  ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.

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