vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The number XXXX has called nonstop and has left constant messages on my cellphone that are usually about 18 seconds long and are completely silent at random times of the day, usually during school hours, and even though they are automatically rejected in calls, they still call. After I looked up the number, it seemed to belong to XXXX XXXX and is widely reported as 'scam ' or illegally calling for fake debts, which led me to not answer. I am on the do not call list and despite that they have called me almost every day for the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This debt should have been deleted from my credit years ago and once I tried to get verification that I owed them they couldn't show proof. 

Citi Financial Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Evergreen Acquistions, LLC
State: NM

Complaint narrative:
They contacted my wife phone number i dont know how they got her phone number and left a voicemail stating they needed to talk to me about legal actions. They never tried recheaching me first. As i call them first thing was trying to collect a debt for an old loan and if i didnt pay they were taking legal actions to collect money. XXXX dlls are owed couldnt pay i went in a hardship since XXXX was in a car accident and im trying to figure out what to do since i losty vehicle was injured and im under a accident attorney since i lost all my money paying some expenses at the moment of the accident. They are asking for apyment arrangements to pay of XXXX every two week for 8 biweekly payments but right now im living check by check since i have a different job due when the accident happen i basically lost my old job due that a vehicle was required for the job. Now its hard for me with my paychecks to even pay all my bills and rent and keep up with my family duties.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/2018 an automatically scheduled payment of {$390.00} was deducted from my checking account. However, Navient only applied {$260.00} to my student loan account on XX/XX/2018, the additional {$130.00} was not scheduled to apply to my account until XX/XX/2018. I called and spoke with a supervisor who said she would reset the counters ( again ) and the payment would be applied correctly. The following day I received a notice that I needed to direct an over payment, because this was a Saturday I waited until Monday, XX/XX/XXXX to call. On this day I spoke with a representative who told me I needed to wait a few days. I have now waited and no action has been taken. 

Additionally, upon review of recent payments I discovered a payment of {$530.00} on XX/XX/2018 appears to not be fully applied. The payment history shows a payment of {$530.00} but on the payment allocation it appears only {$340.00} has been applied. What happened to the other {$190.00}? Why was {$190.00} not allocated the way in which I directed? Navient never notified me of a need to specify how to deal with an over payment. In fact, because I have contacted Navient so many times they have set my account to default to never extend my due date. It appears my due date is not being extended but my money is now not being applied to my loans. I contact Navient at least once a month due to misapplication of payments but I believe in XXXX I did not contact them because I thought my payment was applied correctly. 

I now have no confidence that my payments were applied correctly over the life of the loan. I wonder how much Navient has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: NJ

Complaint narrative:
XXXX/ XXXX/ Equifax, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX Equifax Removed this Collection but as of XX/XX/XXXX Equifax has indicated the account has begin to report to Equifax once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: NJ

Complaint narrative:
XXXX/ Experian/ XXXX, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX XXXX Removed this Collection but as of XX/XX/XXXX XXXX   has indicated the account has begin to report to XXXX once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in 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 non-monetary relief
Consumer complaint received 2018-09-13 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: NY

Complaint narrative:
Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO EQUIFAX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

Equifax has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into Equifax and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with Equifax, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that Equifax was asking me when I was accessing my report did not apply to me at all. Although Equifax still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by Equifax itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

Equifax needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VT

Complaint narrative:
This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: NY

Complaint narrative:
Hello i sent multiple letters out to XXXX and transunion about these inquires on my report but noone has gotten back to me yet on my transunion account i have 4 inquires and on XXXX i have XXXX thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from XX/XX/2016 and i have no idea what they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In spite of efforts on my part, XXXX XXXX/XXXX is still showing ERRONEOUS derogatory information. In XX/XX/XXXX, I financed the purchase of an automobile through XXXX XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX. My bank records show my payments to XXXX XXXX and later to XXXX were never late. The debt was paid in full as agreed and I received the title to the automobile. Moreover, the loan was never part of a Chapter XXXX Wage Earner Plan and I have submitted copy of the court records to support this statement. Hitherto, XXXX XXXX, a service of XXXX provided by Transunion has not removed the information. On three occasions, I notified Transunion and XXXX to correct the situation. As of XX/XX/XXXX, XXXX XXXX/Transunion is still listing information affecting my reputation and ability to obtain a credit card at an acceptable : i, e : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have a Chase XXXX XXXX 's rewards charge card. Is it legal for a charge card company to accru interest on charges made starting the day the charges are made on the account w/o even giving the consumer the opportunity to pay the balance in full by the due date? See below. I had a revolving balance of XXXX carried over to the next month billing cycle, and Chase, XXXX charge card not only charged me interest on that amount, but also on any charge made on the account before ever getting the opportunity to pay for those by the due date. It was {$50.00} on a balance of {$150.00} carried over from previous month. That seems very un-fair given that I never had the opportunity to pay on any of the new charges prior to the due date. Is that even legal? 



, '' upon review, I see that the statement balance on your XX/XX/2018 billing statement was {$420.00} and the payment was due on XX/XX/2018. We received a payment of {$200.00} on XX/XX/2018 and a credit from XXXX for {$69.00} on XX/XX/2018. Since the full payment of {$420.00} was not received by the due date of XX/XX/2018 and interest charge on {$50.00} was charged on XX/XX/2018 which is the closing date for your statement. 

To calculate your balance subject to the interest rate, we start with any balance carried over from the previous day and add new charges or fees then subtract new payments or credits. This gives us the daily balance for one day.

Next, we add together the daily balances for all days in the billing period and divide this total by the number of days in the period. This gives the balance subject to the interest rate for the billing period. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/18, I received a charge to my Citizen 's bank checking account for {$220.00} from XXXX that I did not authorize. On XX/XX/18, I reported this unauthorized charge to Citizen 's bank, and they opened an investigation. I was told that I would receive a response within 10 business days. 

I have not received a response nor a provisional credit. I called Citizen 's bank on XX/XX/18, and was told that I should receive a provisional credit while they continue their investigation. However, I called the claims department at Citizen 's bank today ( XX/XX/18 ), and was told that I was mailed a letter on XX/XX/18. I never received such letter. The claims representative told me that they needed additional information in order to proceed, including why the charge was unauthorized and the exact date that I spoke with the vendor. I informed the agent that the charge was not supposed to occur, and that I informed the Citizen 's bank representative of this on XX/XX/18. I also told the representative that I spoke with XXXX many times when the charge occurred, and XXXX told me that they never charged my card. I asked when I would receive a provisional credit, as I understood they were required to provide it after 10 days while they continue their investigation. I was told that they would not provide a provisional credit, and that Citizen 's bank had 90 days to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: SC

Complaint narrative:
In XX/XX/XXXX, our office received a bill from XXXX XXXX XXXX for " business services '' in the amount of {$430.00} on an account I did not recognize. I called XXXX XXXX XXXX and was told this bill was for a broadband fiber optic installed on XX/XX/XXXX. This was the first bill although two years had gone by since the alleged installation. Our office never had fiber optic broadband installed so I initiated a billing dispute for which I have a tracking number. Later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX demanding payment on our " delinquent '' account. I called XXXX XXXX XXXX on XX/XX/XXXX, and was told the dispute was resolved and no payment was due. Subsequently, in XX/XX/XXXX we received a letter from XXXX XXXX demanding payment. We notified XXXX XXXX XXXX by letter to advise the collection agency that payment was not due. In XX/XX/XXXX, we received a letter from a different credit collection agency, Prince Parker, again demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TX

Complaint narrative:
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage.

But my score suddenly plummets over 130 points?

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.

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