vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I made multiple payment to my Mastercard credit card owned by XXXX XXXX on XX/XX/18 for {$400.00}. And on XX/XX/18 paid another one for {$100.00}, on XX/XX/18 made a {$450.00} payment. The money was taken from my checking account and was posted on my Mastercard account permanently. It was posted that I have available credit of a {$1400.00}. When I went grocery shopping on XX/XX/18 for {$97.00} the Mastercard was declined. I called comenity bank to see what is going on. A representative answered me that my account was blocked because you made a multiple payment and it will take a 7 business days to be unlocked. I explained to her but the money was cleared. Was taking aout of my checking account and was posted in my Mastercard as cleared. She said sorry can't help you more. I requested to talk to a comenity bank supervisor or a manager then the representative put me on hold for 30 minutes and no one picked up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: FL

Complaint narrative:
Navient continues to deduct additional payments over the agreed upon amount from my checking account each month. 

In order to receive their payment rate reduction, we had to sign up for automatic withdrawal. They are withdrawing over {$900.00} per month as opposed to the agreed upon {$640.00}, a {$250.00} discrepancy. When my wife calls, she is directed to the collections department even though we are, and have always been current with our payments. 
These loan amounts, many of which were accruing 17 % interest for years of deferments, have ballooned to well over {$200000.00}. All of her education was conducted online. It seems like this is one of the biggest scams in the history of our country. Im honestly appalled by this enslavement of an entire generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery is report wrong information on my credit reports. 
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. 

Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.

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 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
this complaint is against Wells Fargo bank my account # XXXX i was and am going thru tough money times ) i got divorved at age XXXX __ -- this was m not planned i have acumilated {$180.00} in late payment charges and was never offered to have a payment defered.i was only informed of a payment deferal thru my current debt resolution company ) XXXX XXXX XXXX= i am NOW current on my truck payments after defering one payment.wells fargo let me accumilate {$180.00} in late chatges two years of late charges than offer me a soluction by defering a payment or lowering my intrest rate ) 10.9 % wells fargo is greedy and prefers getting two years of monthly late charges than to OFFER me a payment deferal .I want wells fargo to remove ALL my late charges for being deceptive by ommision 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 explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED in Federal Court. XXXX XXXX   XXXX, XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have ftiled a complaint with the XXXX   and CFPB ( last case # XXXX ). My XXXX   complaint was closed when Portfolio Recovery said they would cease collection efforts, unfortunately that was not the case. I filed a complaint with the CFPB and Portfolio responded and included personal documents of someone else ( I have attached what Portfolio provided, I am sure Mr. XXXX would not be pleased Portfolio provided me with his personal information ). I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX  XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. Furthermore Portfolio is not even licensed to collect in my state. I will continue to document my efforts to get this issue resolved and seek litigation if I need to. 

Portfolio is in violation of the following : XXXX Not validating this debt yet continuing to pursue collection activity. 
* Not validating this debt and continuing to report to the credit bureaus. 
XXXX Pursuing collection on a debt without being licensed to collect in my state. 

I am protected under FDCPA Section 809 ( b ) & demand ( 1 ) all collection efforts cease, ( 2 ) removal of this debt from all 3 credit bureaus, ( 3 ) {$1000.00} fine for each of the above violations ( totaling {$2000.00} ) Please do not merely think you can provide me with bills like you have provided for Mr. XXXX, I am aware of my rights. I am not willing to play back and forth games and will pursue damages to the extent of the law. I have documented all of my efforts & have saved all of Portfolio 's responses, which include someone else 's documents. I expect a resolution within 3 days. I have emailed countless times directly to Portfolio Recovery & have gotten the run around or simply been ignored! Portfolio Recovery 's disregard of my complaint and negligence in providing another person 's documentation is very unsettling & I do not trust my concern is being properly looked into. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: SC

Complaint narrative:
Equifax- I have about 20+ inquiries on my Equifax reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, us department of education XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: SC

Complaint narrative:
Transunion- I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX , XXXX  XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 2018-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
This all started in XXXX of XXXX. I had a XXXX XXXX credit card that was financially backed by XXXX. I could no longer pay due to unemployment and it went to bad debt. Eventually XXXX discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mother and I have both permanently opted-out of credit card offers. I have submitted the paperwork twice 5 years ago and again last year. We still get relentless offers by mail from Capital One. They will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a settlement account from Wells Fargo. I called back in less than an hour to make the payment. The payment was for the stated amount. She read a disclosure prior to processing the payment. The amount in the first disclosure was processed. She then stated she needed to read the second disclosure. The second disclosure had a different amount. She said she was not sure why. She took 15 minutes to find out why and stated that she was unsure why and maybe because it was a principal. The escalations agent that I was sent to was horribly rude! He stated BOTH made a mistake.

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 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Attempting to complete a short sale on the property due to the amount being over the current amount valued. Caliber Home Loans is not allowing for the short sale to commence nor be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: SC

Complaint narrative:
I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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:
THESE ARE NOT MY INQUIRYS. I HAVE ASKED SEVERAL TIMES TO REMOVE THESE FRAUDLENT INQIRYS. 
Equifax is reporting the wrong information and when asked that they do a investigation they send me a letter saying " INQUIRYS ARE ACTUAL FACT '' That is not considered a investigation. Please do the proper investigation and send me copys of my applications foor credit or service bearing my actual signature. If these accounts were open online or over the phone then please remove them ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/2017 Telephone Companies -- -- -- XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX/XXXX Inquiry from XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: SC

Complaint narrative:
XXXX I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  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 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX I had to leave Federal employment due to XXXX  XXXX. I was without employment until XX/XX/XXXX. Even before XX/XX/XXXX the XXXX was causing significant loss of income due to forced absences. During this time, I had difficulties affording payment plans during this time as XXXX worked 18 months to complete my XXXX claim. 

Navient failed to provide accurate information about XXXX discharge in the early stages of my unemployment, when a recovery was uncertain for me. In addition, Navient failed to accurately review my income when a request for income driven repayment was filed. The rejections and subsequent refiling, led to several months where Navient " forced '' me to claim forbearance to avoid defaulting despite continual notice to Navient that I was fully XXXX and unable to work without any income. 

Navient eventually notified me of a website that had information on how to file for medical discharge, at which point I was recovering so the information was useless. 

Since my recent employment there has been an additional issue. I had unplanned finance issue requiring a late payment, only I couldn't contact Navient. Each time I would call the automated system would transfer me to a busy signal. I attempted many contact numbers listed for Navient on the Web, I attempted using the international line, and also attempted the numbers in delinquent email notice to the same result. 

Today, XX/XX/XXXX, I was able to connect with an agent. I attempted to file a complaint by describing my issue with contacting Navient and received a brush-off response from the agent that answered the phone. 

I'm willing to upload any documents necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To anyone who will listen : My consolidation master promissory notes ( MPN ) are dated in XXXX, XXXX, XXXX, in such, there is no 6 months grace period. It is my understanding that all consolidated and non-consolidated loans are treated the same. When Nelnet began to enforce the newer version of MPN with Item 17 grace period, I never signed that version, I was never advised by Nelnet of any changes to my MPN or the enforcement of the newer version of MPN. I was in school for fall XXXX and took the spring/summer XXXX off due to a job relocation, to included, I am currently in school for fall XXXX. During my time away from school, my non-consolidated loans had a 6 months grace period. Without my knowledge, Nelnet reported to my credit bureau, XXXX, XXXX, and XXXX   90 days late payments during my VA mortgage pre-approval process. My VA lender disqualified my loan because of the recent XX/XX/XXXX 90 days late listed on my 3-credit bureau. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. By Nelnet submission, their review my signed Consolidation Master Promissory Note ( MPN ) with Item 17 and upon request this document was never provided. Nelnet decision to enforce policy, shouldnt supersede contraction obligations has led me and my family into financial hardship and emotional stress with the negative credit report posting of late payments. With Nelnet negative credit bureau listing and denial of VA loan has presented very limited options regarding housing for my family. We are begging Nelnet or XXXX to reverse the negative impact. Ive enclosed my three signed MPN dated XXXX. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. If the signed Consolidation Master Promissory Note ( MPN ) with Item 17 is not provided, I respectfully request the removal of all negative posting of late payments in XXXX & XXXX on XXXX, XXXX, and XXXX. 

Thank you for listening, XXXX XXXX

Company response to consumer: Closed with explanation