vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: LendUp Loans LLC
State: CA

Complaint narrative:
I opened up a credit card made a payment with XXXX XXXX XXXX  account the following month I changed bank account numbers and deleted old bank account number. In XX/XX/2018Card company still used my old account to withdraw from account they charged me {$60.00} in fees after payment being returned. I contacted them and said it they had no control .... Now inXX/XX/XXXX I made payment and after using my new account ... I still get another fee for payment getting returned. I called credit card company again and they said they used a old bank account number that I put on an application years ago to make my payment??? Why? I never gave them that account number and with out my authorization they processed a payment from a account that I never gave them and that bank account has been closed for 2 years. They had my new bank account this whole time. They should be closed down trying to make extra money by adding payment accounts that don't exist to customers. Charging them fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I would like to dismiss this student loan I been paying for this loan since XX/XX/XXXX, College closed end of XX/XX/XXXX, was not able to successfully obtain a job in my career field, due to the high cost of these loan 's not able to purchase a home. continue on income sensitive for years, now that is closed they did not credited me to go back to school tuition free.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: UT

Complaint narrative:
XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: UT

Complaint narrative:
Experian is reporting a collection for XXXX XXXX XXXX - XXXX and it is not valid nor is it mine. - I have been disputing this already and they claim it is valid. How did you verify it? XXXX XXXX IS NOT VALID VERIFICATION!! 
They are the only ones reporting this erroneous OLD debt that is also past the statute of limitations based on the dates!

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 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX XXXX  found in XXXX  v. XXXX XXXX   which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.

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 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Original Loan balance in XX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called XXXX XXXX XXXX and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.

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 2018-09-10 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX  military service, it is still considered debts incurred prior to the current period of military service ( USAF ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This morning I received an email from " TransUnion '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' was " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).

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 2018-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
submitted an online dispute. Received an email stating that the request has been completed. Upon entering my information to review the results I received a mesage that my information does not match Equifaxs records. Phone Equifax and got a representative that spoke very poor English. Rep verified what Equifax hace for my records, which was the exact information I used when trying to review my dispute results. Then I was told that there was no dispute showing & the rep took my dispute over the phone. I again got an email stating my dispute has been complete and yet again when trying to retrive the results I got a response that my records did not match Equifax records. Contacted Equifax again today XX/XX/18 got another representative that spoke very broken english stating the same thing the previous rep stated. Askes how can I retrieve my results and was told that I cant and that she can submit another dispute. I believe my information is being held from me due to fraud on Equifaxs part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Almost a year ago I had received a call claiming I had to pay a past due debt on a credit card through XXXX XXXX. That day I made the full and final payment to pay off past debt and close the account. On XX/XX/2018 I received a call stating I need to a Mrs.XXXX back because she had a matter escalated to her office, and I needed to reach her. Today on XX/XX/2018 I receive another call from the same number stating the same as I needed to call with or without an attorney present to resolve matters or action would be taken against me, the call stating the same as the last but by aMrs. XXXX. My account should have been payed in full and closed almost a year ago. I am not happy with the harassment I am receiving with these calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 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: IN

Complaint narrative:
I applied for the IDR plan and was told I was in good standing. I knew I had to pay a {$5.00} one time fee and was waiting on the bill to come. It never did, so I called back up to XXXX and they told me that the {$5.00} payment went through electronically. Come to find out, it did not go through electronically, however, my application expired due to lapses time of payment. Now I am 21 days past due and having to re-submit paperwork to make my payments. 


I also am only showing 8 payments towards my 120 payments and it should be more. I sent in the Employee ID Form and it is approved. This has also been an issue that I have been fighting for since my consolidation. 

XXXX is acting very poorly on my behalf as I try to do the right things. This is just not acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TX

Complaint narrative:
Experian, XXXX, and XXXX were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.

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 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have tried repeatedly to have these medical Bill 's removed from my credit. Multiple times I've been contacted and threatened to have my credit damage unless I paid the Bill 's. I am a XXXX   veteran and Medicaid paid the Bill 's. Also the va made a payment but they still refuse to remove the medical Bill 's from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: MI

Complaint narrative:
I have multiple student loans from medical school that are serviced by Navient. Two federal student loans ( in one billing group with one due date ) and three private students loans ( in a second billing group with a different due date ). Despite the fact that I send my two payments automatically from my bank ahead of the due dates each month, Navient continues to misapply my payments between the two groups and subsequently hassles me with phone calls and emails saying that my accounts are past due. This has happened REPEATEDLY over the past few years. I just got off the phone with Navient AGAIN after discovering that they had incorrectly applied myXX/XX/2018 and XX/XX/2018 Federal Loan payments AND my XX/XX/2018 private loan payments! The only way Navient will guarantee the correct allocation of my payments is if I consent to direct debit from my personal checking account each month. I am reluctant to do this due to experiencing identity theft in the past and breaches of my personal data ( including my social security number ) by other large financial institutions. I have verified the correct payment addresses, due dates, account and billing group numbers, and amounts for all of my student loans. My bank sends the checks and they arrive before the due date automatically each month. Navient should be able to correctly apply my payments. I am doing my part as a consumer. They are NOT doing their part as my lender. I have had several Navient customer service representatives tell me that this is a frequent problem for their customers. NOTE : because I have accepted electronic correspondence from Navient, I no longer receive paper statements. Most of their communication regarding the erroneous past due payments is via voice mail and email. These communications do not specify the reason for the call, they simply instruct me to call Navient. Therefore, I do not have any helpful documentation I can upload. I have pages and pages of handwritten, personal notes that I could transcribe if helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I accidentally sent two payments to my credit card company to settle an existing balance on the card. I contacted Capital One to have the overpayment refunded to me on XXXX. They agreed to send a check using US Mail that day.

After two weeks, I still have not received my money.

Given that this missing money is a major hit to our finances, I checke
d in numerous times with Capital One this past

week to track the progress of these missing funds or to find out ( sooner rather than later ) if there was a problem. Each time I called or online chatted, I was always told the rep had researched the issue and was assured the refund had been processed. Every time I was told I had no choic
e but to keep waiting until its anticipated arrival on or before the 10th business day.

No tracking information was ever available, and no explanation was given why USPS First Class mail took 10 days to find its way between two major cities when in real-life it normally takes 2, maybe 3 at the most.

Meanwhile there was no indication on my online account to show that this payment had been processed or sent, but the online reps told me I just had to wait.

Also, Capital One insisted " business days ' were Monday through Friday, even though the delay ( supposedly ) was the result of USPS service which operates *6* days a week. This meant we had some disagreement about what date was actually the " 10th '' business day - although that eventually turned out to be a moot point. 

" XXXX XXXX '' was the third representative to discuss the problem with me today. After nearly an hour, he finally confirmed the check **was never sent in the first place** despite repeated assurances to the contrary by previous representatives. 

He offered to mail me a refund check by US mail which would take - surprise, surprise, 10 business days. This will have left me without my money for nearly a month. I asked for further assistance since he seemed unable or unwilling to take the obvious corrective steps. I was told he couldn't do anything and someone else would have to call me for further assistance. But, to get this assistance, but I'd have to wait yet ANOTHER 48 hours.

Unsurprisingly, 48 hours passed ( yesterday ) and no call from Capital One. 

I called again today and after several escalations was told I would have to wait for someone from their Executive office to contact me later. So ... another delay. 

Capital One continues to hold my money against my explicit instructions and wishes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for and received a Wells Fargo credit card earlier this year. The credit card and statements have been coming to my correct address. 

Today I wanted to cash in the XXXX bonus and about 21.00 in cash back so I called the number on the back of the card. I was hung up on 4 times at various times after being on hold, while speaking with a rep. I finally got somebody who didn't hang up, and the rep confirmed my identity by asking several questions including my address. 

The rep transferred me to the rewards department. The rep in the rewards department asked me questions to verify my identity, including my address. But, she said she had a different out-of-state address, so she transferred me to 'banking ' which again had me on hold for a while before a rep answered. 

The banking rep also asked me for my address, and she had my correct address. She said she didn't know why the rewards dept had another address, but assured me that she had fixed the problem, and transferred me back to rewards again- so I was on hold for a while yet again. 

The new rewards rep asked me to confirm my address - but he still had the same wrong address.

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 2018-09-10 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: CA

Complaint narrative:
XX/XX/18 My fiance calls XXXX to see what their prices are for a home security system. He gives them my name, address, and birthdate ( does not give my SSN ) so that they can do a price check. They asked him if they can run my credit. He said NO and didn't complete the call with them. Didn't think anything of it. 

XX/XX/18 I see that a credit check from " XXXX XXXX '' has shown up on my credit file for Equifax. I don't even know what that is. I do some research and figure out that it has to do with XXXX. I call them immediately and speak with customer service. I tell them that I never authorized them to check my credit, so they need to get the inquiry removed. The first rep laughs and says there's no way to do that. I ask for a manager. The manager says there's no way to do that. I ask for his manager. That manager says I need to address it directly with Equifax. 

XX/XX/18 I finally figure out how to file a dispute with Equifax online, so I file it as " Unauthorized inquiry on my credit file ''. 

XX/XX/18 I get a response back that my dispute has been completed. I try logging in to their site, but am unable to do so. 

XX/XX/18 I call them and speak with someone in the disputes department who tells me that my dispute has been declined and that the only way to get it fixed is to contact the company that ran my credit directly. To which I replied that I already had. I asked to speak with a Manager because I didnt like his answer. His Manager gets on the phone ( her name is XXXX and she refused to give me any identifying information even though they asked me for 30 pieces of identifying information to even discuss my file with me ) and she tells me theres an internal process that the other company can complete to get the inquiry removed. I ask her what the process is so I can call XXXX and walk them through it, to get them to remove it. She tells me she doesnt know the process and no one does and that theres no further info. Then she tells me shes a supervisor and I ask ( AGAIN ) to speak to a Manager to which she responds : I cant transfer you to the manager because Im the last line of the escalation process. She refused to assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I was contacted on Saturday XX/XX/XXXX by XXXX XXXX XXXX. I was threatened by the agent and harrassed by being called several times over a debt that has nothing to do with me.

Company response to consumer: Closed with non-monetary relief