vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 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 — Was not notified of investigation status or results
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: DISCOVER BANK
State: KY

Complaint narrative:
XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I opened an Ann Taylor store credit card on XX/XX/XXXX. Account number XXXX card was closed on XX/XX/XXXX. I do n't recall closing this account. The total amount charged was {$390.00}. My online bill pay showed that I paid the following amount on the following dates : XX/XX/XXXX - {$50.00} XX/XX/XXXX- {$25.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX. {$100.00} ( see letter dated XX/XX/XXXX stating " BILLER REFUSED PAYMENT. '' Total amount paid {$400.00} ( see supporting online bill pay documents ) I received a phone call early XX/XX/XXXX from Commenity Bank saying that I owed more than {$400.00}. I disputed the charges and agreed with the representative that I would contact my bank and ask them to forward proof to them that I had paid the amount owed. I followed through as promised. I received a letter from XXXX stating that the dispute was closed as the did not receive the documentation requested. I continued receiving bills from XXXX XXXX stating that I owed more than {$600.00} each attempt to resolved the issue, I was told the payments was paid to the wrong account as I had another account with the number ending in XXXX. On XX/XX/XXXX I made a second request for my bank to do another research. I also conducted my own research on that same date and learned that two {$100.00} payments was returned for unknown reason.Commenity bank continue to claim that the reason for this because the payment was paid to my Ann Taylor account ending on XXXX. My only online bill pay clearly shows that the payment was PAID to the disputed account ending # XXXX. ( see accompanying documents. In my many conversation I made it clear that I 'm willing to pay the amounts returned. In my many attempts to resolve this issue, I even contacted an attorney. Two letters was sent on my behalf without a resolution to this situation. As of XX/XX/XXXX XXXX sent me a " last chance '' letter is claiming that I owe {$720.00}. It is simply not fair for me to pay all these late charges due to errors made by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX-XXXX-XXXX Company Info : Account # XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX I have never done business with Portfolio Recovery XXXX I do not have a signed contract not any contract with Portfolio Recovery Associates. I have the right to demand to see a signed contract between Portfolio Recovery and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct this issue.

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 2017-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 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: CA

Complaint narrative:
This began with CFPB # XXXX, requesting XXXX XXXX to remove XXXX XXXX from my credit report on XXXX XXXX, 2017. <P/>XXXX contacted me on XX/XX/XXXX and agreed to withdraw the incorrect information from my credit reports, subsequently being removed from XXXX and XXXX. <P/>On XX/XX/XXXX, I emailed XXXX XXXX at XXXX XXXX regarding the item still being on my Equifax. I received a letter dated XXXX XXXX from XXXX XXXX stating that removal request had been processed with all major credit bureaus. I submitted a dispute with Equifax on XX/XX/XXXX with the attached letter ( Confirmation : XXXX ). On XX/XX/XXXX I called Equifax to follow up on the dispute status and was told it would not be removed since XXXX had not withdrawn the item. I spoke to a supervisor and brought the submitted evidence to her attention. She resubmitted my request and gave me a new confirmation : XXXX. <P/>XX/XX/XXXX I receive the attached notice from Equifax that the item has been " verified '' Either XXXX is not correctly withdrawing this item or Equifax is intentionally damaging my credit with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.

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 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called 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 2017-07-04 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: TX

Complaint narrative:
Per my recent credit report  XXXX  pulled a hard credit check on  XXXX / XXXX /   2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.

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 2017-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
The original debt is from the y ear  XX/XX/XXXX , yet my credit report states the debt is from  XX/XX/XXXX . This debt has been illegally re-aged. Additionally, it appears that there other inaccuracies on this debt as well. T he company is THE  CBE GROUP INC

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 2017-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: TX

Complaint narrative:
I 've contacted  Senex Services and asked them to validate this account by providing a contract between myself and Senex Services, and if they 're unable to provide a signed contract to immediately delete this account from all of my credit profiles. I never received a contract as requested. Instead of a signed contract I received a bill with my HIPPA information from Senex Services, I have never signed anything to release my medical information to the company so therefore they should NOT have any of my HIPPA information. I asked that this account be removed from all of my credit profiles because I 've never had an account nor have I sign any contracts with Senex Services. Senex Services bo ught this account from  XXXX   XXXX   XXXX   XXXX  ( a medical account ) which is located in  XXXX , Texas, and along with buying this account they also received all of my personal medical records which is a HIPPA Violation. I want them to immediately destroy all of my personal HIPPA information and to delete this debt that has not and can not be verified via a signed contract from all of my credit profiles in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Reporting of liens that are not accurate and should be removed based on the most recent settlement involving the three credit bureaus and the New York State Attorney under the National Consumer Protection Act. Based on the new NCPA these items were to be removed by XX/XX/2017. Transunion continues to report two tax liens on my credit file.

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