vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 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: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my payments to Navient were not processed. I have been enrolled in Auto-Payment for several years and my bank information has not changed. In XXXX some of my loans were removed from Auto-pay without my permission. I demanded that they be put back on Auto-pay and was told that my payments would be automatically withdrawn going forward. Low and behold, XXXX rolls around and crooked Navient didn't process all of my loans AGAIN. When they pretended to re-enroll me they put in the WRONG account information. What a bunch of crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO

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 2018-03-18 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: NV

Complaint narrative:
I was a victim of identity theft, someone applied for an XXXX credit card at XXXX XXXX. Now i have a fraudulent hard inquiry in my credit report, i ask TransUnion to remove it but they refused. I received a letter from XXXX XXXX letting me know, they ask TransUnion to removed the fraudulent hard inquiry from my credit report but nothing has changed yet. Im very frustrated, this is a very serious matter and TransUnion is not willing to help. Please remove XXXX/XXXX XX/XX/2017.

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 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.

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 2018-03-18 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in my life.

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 2018-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NV

Complaint narrative:
Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I request that Midwest Recover Systems verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. 
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.

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 2018-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I purchased a couch from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. For the XX/XX/XXXX payment, our bank XXXX sent payment to CapitalOne in the amount of {$51.00} on XX/XX/XXXX, nine calendar days before the payment was due. The payment due date was XX/XX/XXXX. The payment was processed by CapitalOne on XX/XX/XXXX, eleven calendar days after the payment was sent. This event triggered a series of late payment and interest fees. Some of which were reversed. This event ( which should never occurred ) also triggered an increase to the monthly payment amount ( $ XXXX/per month was the agreed amount thru out the repayment of the same as cash offer ). This caused more late fees and more interest charges. I have been contesting and disputing all of the late payment fees and interest fees since XX/XX/XXXX. I subsequently paid the balance of the credit card bill off significantly early in XX/XX/XXXX. We closed the account. 

CapitalOne believes we owe them $ 600+ in interest and late payments on a credit card which was paid on-time each month and paid off before the term of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DEALER SERVICES  : The XXXX reported as past due is an error on Wells Fargo part. All excess liability was paid for by my GAP insurance coverage purchased from Wells Fargo, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX  for a total of XXXX and as a revolving account to XXXX, with a past due payment of XXXX. ( 2 ) Wells Fargo misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : The XXXX reported as past due is an error on XXXX XXXX part. All excess liability was paid for by my GAP insurance coverage purchased from XXXX XXXX, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX for a total of XXXX and as a revolving account to Experian, with a past due payment of XXXX. ( 2 ) XXXX XXXX misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.

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 2018-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In a letter dated XX/XX/2018, I was informed by Capital One that they had changed my credit limit from {$20000.00} to {$10000.00}. The specific reasons for this change were : Current account not used enough for assigned credit limit and Balance on non-Capital One revolving trade are too low. I was not given a contact to reach to dispute what they had done, but I was informed that if I had any questions about the effect on my credit score they encouraged me to consult XXXX  at  capitalone.com I was totally unaware that I was required to use my credit card at any particular balance amount to keep my current limit or that I was required to carry debit balances of any particular amount with non-Capital one revolving trade to maintain my {$20000.00} credit limit. 

My XXXXedit score as of XX/XX/XXXX, was XXXX. I am fully aware that a 50 % drop in my credit limit will negatively impact my score. What other credit card company or lender will want my business with this kind of drop reported on my credit record? Am I now at the mercy of Capital One and this non-negotiable decision? 

Consumers are repeatedly told to stay well below the limit on their credit cards and to pay off balances monthly. I had no idea I would be penalized for doing this. Capital One, of course, did not mention a reduction in the current interest rate they are charging me-just a drop in the limit. Is there some finite amount that they draw from? Are they giving the {$10000.00} credit limit they took away from me to someone else? 

I have no way of predicting the future, but I did not ask them to drop my credit limit by 50 %. What negative impact does my having this limit have on their business? It gave me piece of mind to know that it was there should I need it. After 20+ years of having a Capital One card to be treated in this manner seems totally arbitrary. I have no idea if such a practice is legal ; that is why I am coming to you. I do know the public needs to be told in a straight-forward manner that staying below their limit and paying off balances in a timely manner will negatively impact their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My previous complaint Wells Fargo stated they did everything correctly, I disagreed with their investigation, but also they say that the appraiser they hired from another County was incompetent in his appraisal of my home, they told me he is a third party contractor and they can't refund my {$460.00} I had to pay up front to get a fake locked in rate. I didn't hire the appraiser, Wells Fargo did. I don't feel I have an obligation to pay someone they hired and could have colluded with to ensure I pay a hight interest rate

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 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.

The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One changed the terms of {$60.00} ANNUAL fee to a $ XXXX  MONTHLY fee. 
The obvious purpose is to get you to be " late '' for the fee so that a Service Late Fee can be charged. 
If this is missed, due to electronic payments, then a {$35.00} late fee gets missed and a 30-Day Late charge is sent to the Credit Bureau. 
Capital One has refused to reverse the report to credit Bureau. 
Credit bureau has refused to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
case XXXX acct ending in XXXX The bank has become increasingly unwilling to answer any questions I have they have a case and they have a case number they know my credit card account and they know my name but they send me a letter asking me to confirm all of that information acting as though they don't have it but clearly you have to have it because my name and address is already listed on the letter the account number is listed and the case number with all the information is listed I don't understand why the bank is being so difficult but they have all the information I want them to resolve the case it's that simple

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
For the past 9 months, I have been dealing with Wells Fargo Bank regarding the money that was held in a blocked account from partial proceeds from the insurance claim by Hurricane Sandy. There was approximately over {$48000.00} in the account and it was misapplied. We sold her house down the shore that could not be rebuilt as a short sale and Wells Fargo forgave the debt. We assumed that Wells Fargo was going to apply the proceeds to the amount forgiven which would reduce the XXXX form and what we had to pay in taxes which did not happen. I have a timeline of the events and errors which were the following : 1 ) They stated they mailed us a check and then rescinded that because they stated they were in error.

2 ) The proceeds were used to pay for fees but they stated there were no fees.

3 ) They stated that the fees went to an investor and after talking to them, I stated that they were the investor and just absorbed the fees. They agreed that was the case. 
I understand by signing the short sale forms that we were not entitled to the proceeds but all I have been asking for is the reduction of the XXXX for forgiveness of debt amount which totaled about {$170000.00} to be reduced by about {$48000.00}. I have addressed this with the OCC and so far no satisfaction. I had to address this with the OCC about 3-4 times and now I am reaching out to you because I feel I am not alone in this. 
At this point, my mother has passed away and my sister and I had to pay the additional taxes because of the non-reduction of the forgiveness. I now want to be reimbursed for the {$48000.00} and additional money because of the multiple number of miscommunications, delays in the process and general attitude of Wells Fargo. I spent hours on just doing what i feel is correct but so far no response because they mail their communication to an address that no one from the family lives at. Please advise the next steps and 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 monetary relief