vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My student loans were bought by Navient several months ago. I am on an income-based repayment plan and have been since XXXX. My payment is {$390.00} per month. My IBR plan application renews every XXXX and I always send my application in extra early. This year I faxed my application with income verification to them on XX/XX/XXXX. On XX/XX/XXXX, I received email confirmation from Navient that they received my application and that it would take 32 to 35 business days to process. Recently, I received another email from Navient stating that my payments were increasing to {$880.00} per month. I tried to email Navient and the email came back to me, stating that I could not respond to their email. I tried calling Navient and did choose IBR plan on the phone tree, hoping to speak with someone, but instead, got an automated message stating only that I could download the application from their website. I didn't need an application, as I had already downloaded one from their site and faxed my IBR app to them two months previous. There were no options on their phone tree to speak to a CS rep ( I tried pushing zero and using voice activation to request to speak to a rep but the call was simply terminated ) or communicate via email with Navient customer service about this issue. On XX/XX/XXXX they have the ability to take {$880.00} out of my bank account without my permission and after apparently not even processing my IBR application or making any attempt to get in touch with me if they did! I can not afford this payment and have no way to speak with Navient about it. I feel this is extremely unethical and egregious. I am including the email Navient sent me on XX/XX/XXXX stating that they had received my IBR application. If there were any problems with my application, no one ever contacted me from Navient. I simply don't believe they've ever processed my application. It's no wonder that attorney generals in seven states are suing Navient for unethical practices! Since Navient refuses to offer a portal to communicate with their clients, I am requesting CFPB fully investigate this matter with my Navient account. 
Thank you very much for your attention to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: GA

Complaint narrative:
Status of account is correct, however the servicer shows the account as behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: GA

Complaint narrative:
Status of account is correct, however the servicer shows the account as behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: GA

Complaint narrative:
Status of account is correct, however the servicer shows the account as behind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from Capital One and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.

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 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have been trying to get my file permanently unfrozen with no luck and Chexsystem has not provided me with a pin to unfreeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
1. NAVIENT ( private student loans ) have called me on my personal landline ( XXXX ) XXXX-XXXX at least once a day starting XX/XX/XXXX. This is my personal phone number. There are no other names listed on this account. 
2. My daughter, XXXX XXXX, has an outstanding loan with Navient. My daughter has informed me that she has tried to address this delinquency since XX/XX/XXXX, but it has been hampered by Navient and her serious medical conditions ( which Navient has been provided evidence ). 
3. I asked my daughter on XX/XX/XXXX, why Navient was calling my telephone number and asked her to stop them from calling me. I find these calls intimidating and harassing, especially since I know for certain that Navient is aware that I have no additional information I can provide to them. 
4. On XX/XX/XXXX, a fax was sent to Navient ( which they acknowledge as received ) wherein my daughter confirmed once again to Navient that they were in possession of her correct telephone number ( as is evidenced by her voicemail message as well ) and street address. 
5. My daughter has a letter dated less than thirty days earlier where she contacted Navient and provided the same contact information. 
6. The FDCPA prohibits a debt collector from contacting anyone but the actual debtor UNLESS THEY DO NOT HAVE CORRECT CONTACT INFORMATION. I request your agency ask Navient to demonstrate why they do not believe they have the accurate contact information ... especially since my daughter has been in communication with them as best as she physically can. They will not be able to establish that criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On Monday, XX/XX/2018 at approximately XXXX pm, I contacted Transunion regarding information reported on my credit report. I inquired that the score reported ( XXXX ) is XXXX points less than reported by XXXX ( XXXX ) and the other credit agency. I asked why is there such a gap. All three representatives I communicated with stated Transunion uses a different scoring system from the other two credit agencies. The system Transunion uses is XXXX XXXX XXXX that is a computerized calculated system. XXXX XXXX XXXX applies three methods to arrive at a score for each reported creditor ; 1 ) the numeric rate, 2 ) Reported Public Records ; it was informed that scores are dynamic changing daily per reported balances from creditors. However, none of the representatives could inform me of the mathematical formula applied in the XXXX XXXX XXXX system to arrive at the numeric rate that results in your credit scoring ; it seems to be a mystery. Also, when asked of the address to Transunion to write a compliant for the company to address ; no one could provide, another mystery. My personal financial information is being overseen by a credit agency that uses an unknown formula that provides to the world my trustworthiness. I was however, able to have a report mailed for my review. Yet, I am unsure if that task was done. I informed each of the representatives that Transunion practices is unethical ; the customer services is poor ; and the employees are incompetent of assisting individuals. The information reported from Transunion impacts lives ... the least the employees should know the formula applied to arrive at an individual scoring?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: Early Warning Services, LLC
State: MN

Complaint narrative:
I tried to open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. 

Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. 

Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Companies involved : Wells Fargo and XXXX XXXX XXXX of North Carolina I signed a contract to have gutter protection installed on my home on XX/XX/XXXX. There was 0 % interest available for 2-3 years. It was through Wells Fargo. After giving it more thought I decided to cancel the contract within my 3 day grace period which I did by calling on XX/XX/XXXX and speaking with XXXX. I followed up the call with a letter. 
I received a CREDIT CARD in the mail for {$5500.00} more than I thought I was financing. No one ever mentioned a credit card. I called WF on XX/XX/XXXX talking with XXXX. She said she would cancel the card. I followed it up by calling again on XX/XX/XXXX. XXXX advised me that the account had been closed but she would file a dispute to show I had never opened it. I filed a dispute in my own interests with XXXX on XX/XX/XXXX stating that this account should never had been opened and that it was issued for {$5500.00} more than even requested. 
Yesterday, XX/XX/XXXX, I got an email from XXXX XXXX to let me know that there was a closed account and comments they thought I should check. So I called XXXX speaking with XXXX. He told that the drop of XXXX point in my credit score was a result of comments by WF that I had filed a dispute against them and closed the account. He said this would continue to effect my scores as it would be reported to anyone requesting info on me. He also said that he would remove the comments for me and the dispute I had filed would not be done until 20 days.

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 2018-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a " delinquency '' on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn't added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I sent letters to CIT Bank regarding 2 account that are not mines and they are reporting under my information, I have spoke to them and did a claim for both accounts and provided them with a police report. They still have not removed it from my credit report as it is negatively reporting as chargeoff, it should not be there at all as those are not my account, there are collections agencies calling me everyday about this two account which I would like to have stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: WI

Complaint narrative:
Have an ONLY filed bankruptcy from 2013 on report sent in letter from Wisconsin Federal court as instructed and TransUnion still refuse to remove it from file after numerous attempts with NO validation or verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Our address changed from XXXX to XXXX XXXX at the end of XX/XX/2018. We have spoken with Customer Service reps at XXXX XXXX in XXXX in XXXX, XXXX, XXXX, XXXX, XX/XX/2018 but they continue to send statements to the wrong address in XXXX. Takes 3 days to get to XXXX and another 5 days to be forwarded to us in XXXX ... and this is the final month USPS will forward the mail. 

Appears XXXX XXXX WILL NOT change the address correctly. On Thursday, XX/XX/2018 they guranateed they'd send an overnight new statement to the correct address in XXXX. XXXX  records indicate they sent it overnight, but AGAIN, to XXXX. 

Spoke with them again today and they are at a loss for words ... 

We're now asking for our deposit ( up to date interest included ) be remitted to us forthwith without penalty as XXXX XXXX has demonstrated they are unreliable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Hello, The following complaint is directly related to complaint XXXX. My name is XXXX XXXX and I have been receiving phone calls from credit agencies regarding the servicing of another persons debt that I am not responsible for. I do not know the person with said debt ; I simply have the misfortune of changing phone numbers and now I received numerous debt servicing phone calls. I tried to ignore them as the last complaint I submitted did not stop other credit agencies from contacting me ; only the entity that I had filed a complaint for previously. Today, I am filing a complaint regarding the recent attempt to contact me for the debt of another person. The organization is XXXX XXXX XXXX. The representative was named " XXXX '' and he said that his organizations phone number is XXXX. He refused to provide a physical address for the organization, and referred me to his organizations website. To the best of my knowledge, I have no debt of any kind. The representative clearly stated that they were calling regarding the debt of a person named XXXX XXXX ( spelling could be incorrect ). The last complaint that I filed was in regards to debts owed by the same individual. As the debt was not mine, I could not see myself asking for the correct spelling of this persons name. This is only my second complaint regarding the phone calls that I keep receiving for this other persons debt, but there have been many others. As my last complaint did not stop the phone calls, I thought that I would simply have to wait until these organizations give up on this persons debt servicing ( via my phone number ), but they do not appear to be doing so. I humbly ask that you please look into this matter. 
*If at all possible, please inform me of any remedy that I can pursue that can end the bombardment of phone calls that I received ( from multiple organizations ) to service this " other '' persons debt ( s ). * Sincerely, XXXX XXXX. 
XXXX, AZ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
i dont owe a debt to a debt collection agency. but they keep calling. i tried calling to tell them this but i get told to hold ... then they hang up

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