vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
NAVIENT continues to report negative delinquent account marks on my credit with student loan debt they sold to XXXX XXXX XXXX XXXX XXXX, which I settled with and have been making on time monthly payments since XX/XX/2018. I settled {$66000.00} for {$15000.00}. I have the letter to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a store card with synchrony bank ( XXXX XXXX ) in XX/XX/2019. 
My card was approved. 
On my XX/XX/2019 statement I noticed a {$49.00} additional charge for a service that I did authorize. 

Synchrony bank falsely applied a card security fee without my authorization in violation consumer laws.

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 2019-07-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: VA

Complaint narrative:
Repeated harassing phone calls from Sallie Mae to pay a student loan debt that my daughter is paying ( barely, as it is a large monthly percentage of her salaried income ). It is true that she is close to default but she keeps paying in order to be not in default. I am a co-signer so I receive harassing calls all the time as well. She has tried to set up an alternative relief plan but we were denied because we somehow " make too much money '' despite both being barely able to afford this. The most egregious of the phone harassment offenses comes when they call my physical NEIGHBORS. They do a phone lookup of the homes that are on my street and call all those people asking to speak to me or my daughter. Now my neighbors all know my daughter and I are having trouble paying her student loan back. This is a violation of the Privacy Act and it is completely unacceptable. Sallie Mae must be prosecuted for this, cease all such activity, and stop harassing me. We will continue to pay our loan debt as best we can to avoid default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I was the victim of a scam and was part of the Western Union settlement where they were to forfeit $ XXXX to victims like me. I have been unable to get my {$160.00} back. 

I feel WU is often used to launder money and for criminal gangs and that they are complicit. I'd like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/19 I received an email from XXXX XXXX that a student loan was denied and it listed TransUnion as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by XXXX XXXX on XX/XX/19. I did not apply for a loan with XXXX XXXX on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted XXXX XXXX to dispute the inquiry. XXXX XXXX said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from TransUnion based on that. TransUnion will not do anything without a letter from XXXX XXXX telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either XXXX XXXX or TransUnion but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.

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 2019-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The loan is through PNC and serviced by XXXX XXXX XXXX. On XX/XX/XXXX I submitted a loan modification application, which was immediately denied for a few reasons, one of which was not submitting pay statements for myself and my cosigners. The issue with that is the language on the application is vague, saying : Required Materials : XXXX may require you to submit financial statements. When questioning this with XXXX on the phone a supervisor agreed that this was ambiguous. I had to submit a new application, and did so on XX/XX/XXXX. This was denied, because on the financial statement for myself and my cosigners they have a line for a second employer and second income. We left that black, because none of us have a second job - however, PNC apparently requires something in every field or the loan is denied, even though that was never communicated to me either by a representative or on the application. I now have to submit the application a third time, but now the loan is 30 past due and I risk negative credit reporting. I feel as though PNC and/or XXXX is making this process intentionally difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, XXXX and TransUnion credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the 3 main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX 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 2019-07-05 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: OK

Complaint narrative:
on XX/XX/2019 I sent out notarized dispute letters via certified mail to XXXX, Equifax and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act.

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had 81 days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient was advised not to call me at work because I was not allowed to receive calls. They were told this last year and it was recorded. On XX/XX/XXXX, they called me at work again and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I contacted XXXX  regarding a collection bill of {$470.00} appearing on my credit report. The report had no information only it was from a medical bill. unknown hospital, type of service ect.. I tried reaching out to what was listed on my report as Medical Bill and used the number XXXX provided. The answering machine identified the company as being C.I. B. I left messages but to no avail. 

This is a false collection charge being placed on my report and the reporting company is not responding to voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
We paid the account in full and we were advised the accounts would be removed from our credit bureaus. On XX/XX/XXXX we paid the account in full totaling {$640.00}. It has been removed from XXXX but not from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed a XXXX account ending in XXXX on several occasions with Equifax, XXXX, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. Equifax, XXXX, and XXXX are not in compliance with the FCRA and are still reporting XXXX on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have asked them numerous times to stop calling my place of employment. They are calling numerous times a day and telling co-workers that they need to speak to me about a very personal debt issue. They have been asked by my supervisor NOT to call here but they continue to call.They are also calling me at XXXX and up to XXXX and they call in upwards of 10-15 times a day. I may lose my job if it continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is in reference to the account XXXX ( XXXX XXXX 2012 ) which was under both party names XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, a court order and judgement was signed and indicated that the vehicle was transferred solely to XXXX XXXX. Therefore, making this debt XXXX XXXX 's responsibility. The court order was signed by a Judge of the state of Florida. 

On XX/XX/XXXX, I sent a certified mail document along with the original petition where you will find on page 12 of the document under XX MARITAL ASSETS : The parties own to vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % for all payments. Each party shall keep their vehicle insured as required by law. 

This negative remark on my credit report in which you are reporting is hurting my credit score and hurting me from obtaining credit. 

I spoke to a few representatives and I provided some the attorney 's information as requested, and no one has made any attempt to contact his law firm. I am considering this vehicle no longer involved in a litigation as I am going to take measure of my own to resolve this. 

Since you are stating that your contract supersedes a Judge 's order/court order, I am requesting documentation of contract where it states this. 

I am asking that you relinquish my name from this contract. I already fulfilled my account ( XXXX XXXX '13 ) which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I was banking with BB & T bank for 25 years and I did some investment packages ( Thou the returns that were not were even close ), I did not make issue out of it. In 2007 at the instance of Manager I moved the XXXX mortgage to BB & T. Recently when XXXX Manager Insisted I should refinance, I decide to go with and my paper work started. My loan was approved and all the paper work is done @ the final stage someone from loan dept started sending emails insisting I should send 1 ) Internet company -XXXX  XXXX credit rating 2 ) Social security benefits I drawn from SSA and statement. 

I have replied that I never took dime form SSA for 30 years or ever and I did not start any befits from SSA and XXXX XXXX is just internet company that provides that provides only internet services ( which I was shopping to see what is the best service in the market ). 
Despite repeatedly sending emails clarifying all and including other credit application those persons form the Bank never stopped -- finally I have to withdraw my application in spite of Bank saying sorry for all the things happened. 
I feel that Based my Ethic name all this harassment happened and if my name is XXXX, XXXX, XXXX, XXXX these questions should not arisen. 
BBT sent me letter mentioning my credit rating is XXXX and I'm above 99 percentile of American Consumer

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 2019-07-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and Experian. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and Experian ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the XXXXeclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.

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 2019-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid off my card balance in full almost {$7400.00} as of XX/XX/2019. XX/XX/2019 8 owe a balance of {$77.00} saying I owed interest. They refused to remove the fee. I should not owe them anymore money, the balance was paid in full prior to the bill date so I should not have been charged interest for a balance I paid in full I already paid interest on the month prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
cc # ending in XXXX spoke with XXXX id # XXXX, XXXX  id # XXXX, XXXX id XXXX. said I have to make a payment on a disputed charge. contrary to what is written on the back of the statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 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: ProCollect, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX my husband  XXXX XXXX and I have tried to reach out to PRO COLLECT INC. of XXXX Texas. For several weeks now to plead with them to remove our debt from collections in the form of phone calls, messages, and emails. We were unjust in our debt from the beginning it was a debt we never knew we had and when we found out we had it we paid it off instantly. We are both XXXX  XXXX veterans and are only asking for a chance to do right with our credit

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