vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: OH

Complaint narrative:
Navient Solutions LLC has continued to contact myself, my family, neighbors, and acquaintances after I sent a cease and desist letter on XX/XX/2019 disregarding federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
XXXX XXXX continues to published credit bureau of York on credit report. I've sent certified letters and continue to place on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX  Trans Union have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from XXXX that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview loan servicing is who services my mortgage and escrow. In the first year of owning my first home they have changed my payments 3 times. Stating escrow balance has been to low or negative. I have my original escrow account disclosure and to my best knowledge it is accurate. They over estimated the amounts and I shouldve had a cushion at the end of the first year. Instead Im negative. Lakeview can not explain how this happened or when I talk to different departments they cant give me the same answer. One department says I was overcharged, the other says I owe. Wait times to speak to someone are routinely over an hour long. Ive called 6 times starting from XXXX. Im am on hold as I write this ( 1 hour & 35 minutes so far ). Ive asked for a new escrow analysis and was told 3 have been done so far. They also admitted to making a mistake on one by not including my hazard insurance, then charge me {$1300.00} for insurance that that has already been paid. Customer service department says the money was refunded to escrow, their collections department says it was not. Ive requested a new analysis so I can do their work for them and figure out where they are making the mistake. I asked on XX/XX/19 and today ( XX/XX/19 ) I was told there are no notes for a new escrow analysis or one in progress.

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 2019-04-15 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: MD

Complaint narrative:
I submitted all my documents for the Income driven payment plan and got a letter saying that my information that I was approved for XXXX dollars a month for my loan. This letter was sent on the XX/XX/XXXX. I called on XX/XX/2019 to make sure everything was good to go and to start my automatic payment. The representative tells me that i have two different payments due on XX/XX/2019. I told her that it is impossible and that am looking at my inbox and I never got a letter stating that I had two payments. I asked the young lady why do i have two payments and why was the second letter not sent to me. The young lady said she submitted a request for review. So I asked her, so I will be paying the XXXX and that they need to figure on their end why I have two payments and not 1 payment monthly. She suggested forbearance on the second payment. I told her that, this was not an option. Please help me. I have the letters and everything sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased two MasterCards ( {$200.00} each ) from XXXX XXXX at XXXX XXXX XXXX, California store on XX/XX/2019. During the check-out process, one of them wasnt activated at all and they refunded me immediately ( {$200.00} ). Another card got processed successfully and my credit card was charged in full ( {$400.00} ). However when I tried to register the " activated '' card their website said the card wasn't activated and I couldn't register it and the balance was XXXX. 

Since then I have had several calls with BlackHawk customer service ( XXXX ) and was told to fax in details during every single call because they kept saying they didn't receive the fax. I have done faxing for six times on XX/XX/2019, XX/XX/2019 and XX/XX/2019 ( every time I faxed twice and all of them were successful from my end ) but still didn't get any response from them until today XX/XX/2019. 

The worse thing is now I can't even call their number using my cell phone because their phone system seems to automatically block my number. I tried another two different landlines during the last week and both of them ended up getting blocked after first time successful call. 

Now I'm stuck with one piece of plastic card which caused my {$200.00} and have no way to get my money back because all the phone numbers I used to call are now blocked by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. 

On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
I received a debt colection notice from a bill in 2014 that I was never aware I had, when I spoke to supervisor XXXX XXXX at Radius Global Solutions she basicly said there was nothing I could do to correct the issue did not offer to help to even settle the debt she only said she would make a note saying that I was declining to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
I paid a bad debt with Tice Associates in full on XX/XX/2019. As of today, XX/XX/2019 the debt is still showing as unpaid on both my XXXX credit report and my XXXX   credit report. I know the creditor has 45 days to report the payment to the credit bureaus. This is well beyond the 45 day deadline. The last time they reported anything regarding this debt was XX/XX/2019, one day before I made the payment and nothing since it was paid in full. 

I have followed up with the company twice, once in XXXX and again today. Today I was told " you're clueless and obviously have no idea what you are talking about ''. 

I was dealing directly with XXXX XXXX. 

Not only should this debt be paid in full it should also be deleted from my reports as that was the agreement I made with Tice Assocites ( XXXX XXXX ) on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: MN

Complaint narrative:
On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX and after giving my name address and case information I was transferred to Representative XXXX XXXX ( direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from 8 plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a manager. I was transferred to Collections Manager XXXX XXXX ( direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX XXXX. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called XXXX and asked why the debt was not paid. I was told they could not release the funds to XXXX XXXX XXXX until they received a " Order to Remit Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage Garnishment Release '' form. I called XXXX XXXX and informed him of the information I received from XXXX. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried going online to Experian to get my free credit report. I sifted through the endless garbage trying to sell me everything to find the free credit report tab down at the bottom. I clicked the tab which took me to a member login page. I tried to set up a membership ( presumably to get my free report ). Experian website then said I already had a membership and if I was having trouble signing in then go back to the main page and click " sign in '' at the top and then click " need help signing in ''. There is no such tab and no help - just an endless loop of kicking me back to the sign in page. I know this is a tech thing but what the heck do I do???? They have no way to reach them. 

I then tried calling the customer service phone number they provided during their stated business hours. I called about a dozen times trying to get a human being on the line and the system absolutely would not allow me through to anyone, at any time, for any reason, no matter what button I hit. I tried for hours. 

So ... ..I went online and found a different customer service number for experian that said you could get a live person .... and no ... .it 's the same endless loop. 

All I want is my free credit report. They have made it IMPOSSIBLE FOR ME TO EXERCISE MY RIGHTS TO HAVE ACCESS TO MY CREDIT REPORT AS A CONSUMER. 

And I'm sure they are going to reply to my complaint with a customer service number that goes absolutely nowhere and/or a p.o. box I can mail a letter to and pretend that actually works. In the meantime I still can't get a credit report.

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 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The credit reporting company, TransUnion is inaccurately reporting numerous invalid inquiries on my credit file, negatively affecting my ability to obtain credit. Once I learned of this, I began to investigate how this could have happened. I've learned that this company had incorrectly added inquiries to thousands of consumers credit files. I believe that I was also a victim of this error. I called their customer service, however they would not help and take care of the negative inquiries reporting to my credit report. 

There are currently 17 inaccurate inquiries on my TransUnion 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
Consumer complaint received 2019-04-15 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This dispute has been going on for almost 2 months originally filed with CHASE XX/XX/19. I have spoken to XXXX who is the vendor for the charge and they stated they did not charge me, and I have confirmation of this on XX/XX/19. I have physically sent Chase explanations and correspondence emails from XXXX confirming they did not charge me. I have provided documentation online on the CASE .Com website as well as several calls to both BOTH Chase and XXXX . I have called and spoke to several reps on several occasions to complete any additional questions they had, and mailed in the information. They have closed and reopened new disputes and have again closed the dispute. I do not have anything to show or ah confirmation of this charge, and neither does the merchant XXXX from this charge other than the hassle of having to contact you to clear it. I have been a Chase customer for over 18 years and this is totally unacceptable to be charged {$420.00} and they are not resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX my prepaid debit card thru American Express Serve was used at an ATM that was unknown to me at the time. The amount of the debit was {$380.00} plus a {$3.00} fee charged by the ATM along with the {$2.00} fee surcharged by the card issuer. I noticed the debit the same day because I was going to use the funds to pay a bill, I call them right away. A dispute was opened after their normal inquiry specifically asking do I know who used the card and did I share my PIN and did I file a police report. I did not really know what to do at the time, they offered no guidance in terms of what to do to further protect myself such as closing the account, if I would have received advice or known a police report would be essential, I would have done so. The only thing I did was paid a bill with the remaining balance just to get the money out of the account and change of PIN. Whoever skimmed the card kept trying to make withdrawals with each decline transacton resulting in {$.00} in charges. Two charges of {$.00} on XX/XX/XXXX. Three charges of {$.00} on XX/XX/ and two more charges of {$.00} on XX/XX/. I called them again to find out what to do, again no guidance, not even a recommendation to report the card lost/stolen so the fees would stop. I had to initiate that for an extra charge of {$5.00}. Card issuer never addressed the subsequent fees. The 1st dispute was declined with no reason except they found the transaction to be authorized. I reopened the dispute on XX/XX/2019. Went thru the process, made sure I stayed in contact as well as provided a detailed letter requesting favor in the amount of {$390.00} which is the total. On XX/XX/XXXX the dispute was declined again as card issuer indicates again they have evidence to show it was me that made the transaction in which it was not. I called the fraud department again and apparently a dispute can only be done twice. That's it, that's all. They do not volunteer specific reasons, I've had to request the information in which I am still awaiting the 'evidence '.

Company response to consumer: Closed with explanation