vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I enrolled in XXXX online XX/XX/XXXX I believe. I have been in school since XX/XX/XXXX till XX/XX/XXXX and I started school again in XX/XX/XXXX to present. I understand that I have a loan however, I have tried to communicate on several different times and have been unsuccessful. In the past years I was not able to pay the full cost of the loan being that I had an emergency medical situation in XX/XX/XXXX to present in which I have been managing. What I notice is that the contact company of the loan keeps changing or being bought from agencies to agencies. I notice that his information has been damaging my credit report and its a red flag. How can a person be able to acquire the resources to make payment when its damaging their credit and also increasing their interest on a monthly basis. Why continue charging a person a high interest rate on a loan where as the person is financially strap and no other option was available? I remember speaking to a customer representative concerning a student loan and my payment was 60 something dollars and I could not afford the 60 plus dollars and asked if I can make partial payments and I was told I would still be charge the interest even if I make the partial payments. So it was a loose situation. keeping in mind that due to my financial being and at the time not working I asked the questions and it made no sense to me why their weren't other options. Is there any other alternative to making an affordable payment? This amount I cant afford to make pay in full, but I would appreciate if it is remove as a negative on my credit report because the loan keep on changing hands plus its preventing me form getting help to do such. If I am in school what happens to that loan can it be put on deferment or another arrangement can be made? The information I got I couldn't access the information, so I am at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: OH

Complaint narrative:
I sent a letter to all 4 3 credit bureaus Transunion, XXXX, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

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 2018-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I contacted XXXX multiple times to try and get my SCRA benefits put in place. I even emailed them a document of my military XXXX orders to their SCRA department. The dates of these emails were XX/XX/2017. A few weeks later my account was closed and sold to a collection agency 2 weeks later as reported by my monthly credit report. I did not receive any emails back from there customer service after XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: OK

Complaint narrative:
I have dispute XXXX XXXX and XXXX XXXX several times, and i get back validated, sometimes i dont even get that, i have sent disputes directly to the creditors and have not got any response from them either, i filed a complaint against XXXX XXXX thru XXXX to get validation for this account and they responded that Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 
so my credit report has inaccurate and missing information to be able to validate information, So transunion is now NOTIFIED TO PROVIDED TO ME HOW THEY VALIDATE " XXXX XXXX " AND PROVIDE ME WITH WHO THEY SPOKE WITH AND THERE ADDRESS AND THE CONTACT THAT WAS PROVIDED TO THEM WITH MY SIGNATURE, TRANSUNION MY UP LOAD THIS INFORMATION ON CFPB SITE IN THERE RESPONSE ALSO UP LOAD THE CONTRACT THAT WAS PROVIDED BY XXXX XXXX, YOU HAVE CLAIMED THIS WAS VALIDATED THEREFOR YOU SHOULD HAVE THIS INFORMATION. 
AT this time i believe Transunion is reporting in bad faith and profit do hold my credit score down by not remove un-validated tradelines that they recieve money from. 
if this does not correct the problem then in left no choice but to file in XXXX XXXX court on XX/XX/XXXX and get an order to provide plus montery recovery from the courts

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 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX I was behind on my mortgage. I paid the almost {$1500.00} to catch up my notes. In XX/XX/XXXX Carrington Mortgage stated that I was {$2700.00} behind in payments AGAIN. I did not agree with their records but I had to get my mortgage paid. I paid the {$2700.00}. I was told by a Carrington employee that the {$2700.00} would completely catch me up and my next payment would be due the end of XX/XX/XXXX. When I received my XX/XX/XXXX statement it said I was AGAIN a month behind!! I have paid my mortgage every single month since catching it up in XX/XX/XXXX. They add late fees every month from the payment they said I was behind on from XX/XX/XXXX! I paid my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I received papers left on the floor of my carport. I almost didnt see them! They are now saying I owe, AGAIN, {$2000.00}! I looked online at my statement and I had no idea that my XX/XX/XXXX payment was Rejected due to Payment Account Not Found. I Had no idea this happened or how it happened as I use the Same payment method every month. I did not receive a phone call or anything from them. Now they are charging me more and more late fees. Yet, their records still say my last payment was made on XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: OH

Complaint narrative:
I sent a letter to all 4 3 credit bureaus XXXX XXXX Equifax in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter to all 4 3 credit bureaus XXXX, Experian, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

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 2018-05-27 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: OK

Complaint narrative:
I disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Approximately 2 weeks ago, I had been notified of suspicious activity with my Chase Bank account by phone. On this call I was notified that over a span of a day, a check deemed fraudulent was deposited in my account without my permission or authority. 
The check was issued to my name, however was unsigned, proven by photos of the check sent by Chase. The fraudulent check was immediately made available despite its obvious signs of being fake. The suspects then overdrew my account, withdrawing {$2600.00}. Leaving my account overdrawn by {$1600.00}. Chase denied to give me any information regarding the transactions to make a proper police report. they froze my account, leaving me unable to access my money and information regarding the incident. I was on the phone with chase daily attempting to reconcile the situation. Chase approved a fraudulent and unsigned check. Chase repeatedly denied my claim, for a week. I then received a letter in the mail deeming the check deposited fraudulent. Chase then closed my accounts without any warning, and sent me a bill in the mail for XXXX USC of overdraft fees. I am currently XXXX   and am now left with a bill of {$1600.00}, due to chase 's negligence, I am unable to pay for my medical expenses and vital XXXX care for my child due to chase closing my accounts with them after nearly 15 years of banking. 

Check copy sent to me in mail, i can provided upon investigation. 
However, I can not provide any other documents at this moment due to my account being terminated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I disputed this account several times with XXXX XXXX and With XXXX,   Experian, XXXX I Have a complaint thru CFPB cause XXXX XXXX  will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue.

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

I went off information in my credit report by XXXX, Experian, XXXX XXXX, Experian, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE XXXX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE.

THIS IS MY FINAL NOTICE TO XXXX AND THERE RESPONSE WILL BE USE IN COURT.

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 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
This company claims this debt belongs to me and it does not. It showed up on my credit report shortly after the data breaches. THIS IS NOT MY DEBT. i have NEVER DONE business with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX we received a letter stating that our XX/XX/XXXX payment had not arrived. Upon checking with our bank, we learned that our payment HAD been sent as scheduled. When we contacted Bank of American on XX/XX/XXXX, we learned that our payment amount had increased on XX/XX/XXXX due to an updated escrow analysis. We were told that we should have received a letter in XX/XX/XXXX letting us know but we did not receive this letter. We had not received any communication from Bank of America via phone, email or mail that our payment amount had increased. 

Although our regular payment amount had been received by Bank of America for XX/XX/XXXX, Bank of America did not post this payment to our account. 

Upon learning of this payment discrepancy on XX/XX/XXXX, I immediately requested a copy of the escrow analysis and paid the difference in my original payment amount and new payment amount in good faith pending my review of the escrow analysis. Despite this posting error on Bank of America 's part, Bank of America reported my account as past due in XX/XX/XXXX and XX/XX/XXXX. I have disputed this reporting with XXXX, XXXX, and XXXX, but Bank of America continues to state that this was reported accurately. Additionally, I contacted Bank of American on XX/XX/XXXX to request that they update their reporting to the credit agencies but they have refused to do so. 

Attached is the payment history from XXXX XXXX XXXX XXXX indicating that my payments were sent on time as usual as well as the account history from Bank of America showing that they received my payment on time but failed to post the payment to my account. My Bank of America account activity also shows that the amount submitted for XX/XX/XXXX and XX/XX/XXXX were consistent with the preceding months.

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 2018-05-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.

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 2018-05-27 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: OK

Complaint narrative:
I have disputed this account more then 5 times with Equifax, XXXX, and XXXX I also disputed it with XXXX XXXX XXXX, when XXXX   finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to Equifax and XXXX  showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with Equifax and XXXX not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to Equifax And XXXX  SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT EQUIFAX AND XXXX  ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO EQUIFAX , AND XXXX PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
paid " interest-saver '' payment to capital one, then still was charged interest. spoke to their customer service and they stated " you must pay this 2 months in a row to avoid interest ''. no where in their billing statements or website does it stipulate this additional requirement. customer service refused to remove my interest charge.

Company response to consumer: Closed with monetary relief