vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2017-08-28 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2017-08-28 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XX/XX/XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. 

While investigating my credit report, I noticed there was a charge for {$320.00} with Midland Funding.Neither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that Midland Funding is a 3rd party collection agency. They informed me of thisXX/XX/XXXX. 

Upon informing of this I placed a call to Midland to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of XXXX. Which is odd, because while I did have a XXXX card, I paid it off over over 4 + years old. In fact, they actually deactivated my card because of inactivity. 

After contacting themXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, I spoke with 5 different representatives for Midland Funding LLC. I specifically asked them, what were the charges for. I asked what is the invoice owed, what are the specifics to this debt. Not one person could give me an answer as to specifics of this debt. They only would say you had a XXXX card from XX/XX/XXXX- XXXX. Nothing more. Which is why I am disputing it. I do n't believe I owe this at all, and they have n't provided anything showing I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I use a non-profit business, XXXX XXXX XXXX, to help me with my loans and understanding payments, terminology, options, and other miscellaneous issues that are relevant to student loans. XXXX XXXX is my representative from XXXX XXXX XXXX and together we have phoned XXXX as a conference call on multiple occasions over the past few years to get answers to some questions regarding my private loans. On Wednesday, XX/XX/XXXX I attempted to reach CFNC by phone to discuss my increasing monthly payment on my private student loans. 
XXXX has stated in previous conversations that they do not work with 3rd party callers ( despite my presence on the line and confirmation of all of my account details ) but when we have requested to speak to a manager in the past, we have been transferred to the appropriate person and have been able to discuss my account and ask questions. When XXXX and I phoned XXXX together on theXX/XX/XXXX, the first representative was very abrupt and rude in our requests to speak to a manager. We explained that we were both on the line and just wanted some questions asked about my options for repayment plans. Finally we were transferred to an assistant supervisor, XXXX. XXXX was extremely rude and unprofessional. She had an aggressive, impatient attitude towards the two of us and was completely unwilling to help or discuss anything with us. She disconnected the call by hanging up on us without letting us know she was ending the call. An assistant supervisor from XXXX hung up in our face within less than two minutes of being on the phone with her, which took us over 20 minutes to even get through to someone we thought would be willing to help. 
I am doing the best I possibly can to repay my loans and XXXX is not only offering a lack of assistance in helping me to do so, but also is very unprofessional and disrespectful in their customer service.

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 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used XXXX XXXX XXXX XXXX to obtain a loan for a XXXX XXXX inXX/XX/XXXX. I started receiving calls from collections because they said I did not pay the correct amount. I have always paid on time and was confused. I went in and out of the bank trying to find what was wrong. Finally XXXX  XXXX a Banker for Wells Fargo took the time to investigate thoroughly and found that Wells Fargo Dealer Services has been charging me for insurance. Although on many occasions my XXXX XXXX Broker has faxed the proof of insurance they were still charging me. In order to end this matter against my judgement at the advice of the Banker I agreed to pay XXXX for the months that they say I owed. I received a phone call inXX/XX/XXXX that said I owed a late fee although I disagreed I paid extra fees on my XX/XX/XXXXpayment. OnXX/XX/XXXXI received a phone call from Wells Fargo Dealer Services telling me that the payment I made inXX/XX/XXXXwent toward my payment and not the fees. I explained that the teller told me that he collected the car note and fees, I have not control on how they are allocated. I was also told at this time that my payment is higher than normal because they have added insurance to my note. This is the third time this has happened and My XXXX XXXX Agent can corroborate.

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 2017-08-28 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: AES/PHEAA
State: CT

Complaint narrative:
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX,2017 when I called synchrony bank to make my payment I was advised that my deferred interest was now all going to be applied to my account at once {$1900.00} for my 18 month promotion was expired, coustmer service rep said I can extend the {$1900.00} for 30 days and that was all she could do at the time, so I explained that at the time of financing this product I had no idea that the interest was deferred and added in full for 18 months from my understanding I was told by sales people that after 18 months you start paying interest not all interest was added after 18 months, the contract was electronic on the computer and I believe it was just very misleading by the sales person and the way the contract is worded I explained to the coustmer service rep if I would have know that the interest was going to be added after the 18 I would have laid it in full, cause how wants to pay more interest then what they owe after 18 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: MA

Complaint narrative:
Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws as well as the trust that borrowers placed in the company. Most federal student borrowers have a right under federal law to set their monthly student loan payment as a share of their income, an arrangement that can offer borrowers extendedpayment relief and other significant benefits. Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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:
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date openedXX/XX/XXXXplease find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was approved for an American Express XXXX credit card under a promotion where I was to receive XXXX reward points once I met the spend threshold of {$5000.00} within 6 months. As of myXX/XX/XXXX cycle end date, I had met the threshold by spending {$5200.00}. Each time I contacted American Express they confirmed that I had satisfied the conditions to receive the XXXX reward bonus. They promised I would receive the bonus by XX/XX/XXXX or XX/XX/XXXX. Its nowXX/XX/XXXX and I have n't received the reward bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX: Purchased Home - established with CitiMortgage Refinance a few times to go with interest rate. Most current rate is 6.25 %, fixed 30 year. HELOC also was 4.75 %. 
Payments from ACH - acct established with Mortgage set up, HELOC was EZ PAY from same acct. 
Business losses starting in XX/XX/XXXX/XX/XX/XXXX - XXXX 's income dropped significantly, Business closed door XX/XX/XXXX. Chapter 13 BK filed for business in XX/XX/XXXX. 
XX/XX/XXXX : ACH - EZ Pay cancelled by Citibank due to BK status XX/XX/XXXX : ACH - EZ Pay re-established by Citibank and XXXX XXXX for automatic payments again. Payments continued to be withdrawn and credited with no issues until end ofXX/XX/XXXX XX/XX/XXXX : Citibank accepts letter from Attorney giving permission to Citi to deal direct with XXXX XXXX to modify mortgageXX/XX/XXXX : Citibank starts submittal process and assigns point of contactXX/XX/XXXX thruXX/XX/XXXX : Citibank starts with first Mortgage change - sends 6 notifications to court and attornies about payment changesXX/XX/XXXX : Citibank takes and credits mortgage payment, but not HELOC - branches can not take payment, modification team can not take payment, BK dept very difficult to reach. No notification from Citibank that they have not applied payment This went on every month throughXX/XX/XXXX. 
XX/XX/XXXX : Citibank filed motion to relieve stay so they could foreclose. 
XX/XX/XXXX : XXXX forced BK dept to take and credit payments - money was always there. 
BK dept established Suspense account since they did n't know where to credit payments - {$5200.00} to first, {$10000.00} to HELOC suspense. 
XX/XX/XXXX : Citibank withdrew Motion to Relieve Stay after XXXX XXXX  attorney contacted them and challenged their actionsXX/XX/XXXX : This morning on the phone Citbank told me they had decided to deny the modification. I have asked for this in writing with a copy to the BK Trustee and my attorney.

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 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - XXXX XXXX XXXX ) For all this time as the company " XXXX XXXX XXXX '' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.

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 2017-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
my original complaint if number is XXXX. 
I originally filed a complaint against Navient for hiring someone with an extensive criminal background and giving them full access to customers important information. 
The employee they hire name is XXXX XXXX this person was able to gain access to my private information using Navient systems. The person was able to access my full address and social security number. She then called and admitted that she had this information. She further explained and I quote " I do n't know what she is capable of ''. This statement was a direct threat to me and my safety. Once the statement was made I no longer felt comfortable in my home. As time went I found out that XXXX was employed through XXXX XXXX XXXX in my area and was making pizza delivery to my apartment complex. This was extremely scary since I have XXXX XXXX living with me. I decided to call XXXX XXXX to advise but they did n't seem like they were interested in assisting so I called my building manager and asked that he put a stop to it. My building manager was able to complete that request for me. 
I have several police reports/incident reports against this female. The reports were made with my local police department ( XXXX XXXX, NJ ) the report numbers are XXXX and XXXX. In my initial request I asked that Navient inform me if this female did in fact access my information using their computer systems. I do n't feel that my question was answered in my original complaint. This explains the reason I am filing another complaint. 
An investigator who works for navient did reach out to me and advised that the situation is still being investigated but I need a solid answer about what exactly they are investigating and if in fact XXXX XXXX access my information using their system. Or if she gained access using a subsidiary company that assist Naveint. to my knowledge my information was access at a XXXX. XXXX, NJ branch I believe it was through a company that is a partnership of Navient.

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 2017-08-28 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
on my credit report it shows comenitybank/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: CT

Complaint narrative:
There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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:
I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.

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