vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was sent several emails by your admission staff that outlining the classes in which I would be required to take in order to obtain my XXXX degree from XXXX. After several adjustments to regarding acceptance of my credits from other colleges, the school and I finally came to an agreement on my courses and I signed a promissory note to attend your school. After I signed the promissory note and started in my first class, I was informed by your staff representative, that XXXX was not going to honor our agreement of courses and that I would be required to take twice as many classes as I had agreed to take in order to obtain my degree. I immediately withdrew from my classes and informed your staff that I would not be attending XXXX for breach of contract and oral agreement and fraudulent misrepresentation. 

Again, I stress I have every email outlining these events. I demanded, at that time, not to be billed and that my student loans not be charged. XXXX has not only billed me for their Breach of Contract and Fraudulent Misrepresentation, but I now have student loan debt, and this has been reported on my credit report damaging and defaming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.

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 2018-07-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file.

Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if XXXX is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.

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 2018-07-30 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. 
A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/18, it was noted that our account had an escrow surplus. I initially reached out to the company on XX/XX/2018 to inquire what kind of steps we needed to get this check. They stated it should have been in the mail and that we needed to wait. I reached out again on XX/XX/18 because we had not received the payment, so they offered to send out another check, but it would take at least 10 business days for this to occur. According to the account, they sent another check on XX/XX/18. We received the check on XX/XX/18. I deposited it on XX/XX/18. 2 days later on XX/XX/18, it was noted that the check was returned by my banking institution. I reached out to freedom mortgage and spoke with a supervisor and was told that they could not resolve this issue at that time and that it would take time to get to the root cause of why the check was not able to be processed. I called my bank to inquire what the reason for the return was, they stated there was a stop payment placed on the check. I called back to Freedom mortgage to relay this information and asked to speak to the supervisor again, and he was conveniently unavailable, but they made a note of this discovery, along with the check number on my 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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
PLEASE SEE DOCUMENTS ATTACHED! 

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt.. Under the Fair Debt Collection Practices Act, I requested that the company allow me to validate the alleged debt by providing me with a breakdown of all charges, dates of service and procedures given including fees associated. Transfinancial failed to supply me with rightful information attached is the copy of letters that were sent to TRANSFINANCIAL and the letters sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX/XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The 6 month 0 % financing transaction of {$210.00} appears on the XX/XX/XXXX Best Buy statement same day XX/XX/XXXX of which the XXXX router was returned to Best Buy, XXXX, Ohio. There is a transaction where the credit pf {$210.00} was applied, and there is also an transaction where a 6 month 0 % financing charge for {$210.00} as created with a promotion date of XX/XX/XXXX. 

The initial charge of {$210.00} resulted in a balance of {$2.00} being left over after the {$210.00} for the XXXX router was returned. 

On XX/XX/XXXX, I made an online payment of {$990.00}. I called back on XX/XX/XXXX to speak with a customer service representative to discuss how I wanted the {$990.00} allocated on my Best Buy credit card account. Per the phone the breakdown of the {$990.00} went as follows : 1. Paid {$60.00} to minimum payment. Balance {$930.00} 2. Paid {$210.00}. XXXX for the 6 month 0 % financing for the returned item. 
3. There was a 6 month 0 % financing for {$770.00} from XX/XX/XXXX.  The {$710.00} have been applied. Leaving a balance due of XXXX. 
4. I made a payment of {$100.00} on XX/XX/XXXX. 
5. On XX/XX/XXXX, a default/adjustment of {$54.00}. 

I initially filed a XXXX complaint against Best Buy, which was later transferred to XXXX as they are the financial holder of the Best Buy credit card. I received a phone all from XXXX XXXX. 

On XX/XX/XXXX, I received an e-mail from the XXXX XXXX XXXX of New York stating XXXX asked for 14 days to reply. I agreed and to date have not received additional information. 

I did receive a letter dated XX/XX/XXXX, as a response to the initial complaint. I'd spoke with XXXX XXXX and to no avail was there an understanding of the credit and the charge of the {$210.00} of which I paid in full for an item I returned. Also, she stated I made a charge of {$190.00} XX/XX/XXXX. That purchase was a regular charge and was not a 6 month 0 % financing. 

Respectfully,

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 2018-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is in violation of debt collections practices act, acting with malicious intent and in violation of CA HBOR. 

At issue is the new policy at SLS which affects short sales. This is a policy that no other lender has as it's in violation of debt collections practices act. This specific policy is specifically for 2nd liens owned by SLS which requires the removal of fees which have been approved by senior lien holder on a short sale. 

These fees do not in anyway impact the amount SLS is receiving on their short sale and the senior lien holder is the lender that dictates which fees will be allowed since they are the one who is entitled the most proceeds of the sale. When SLS demands fees to be removed, in the case loss mitigation fee of XXXX which was approved by 1st lien holder, they are pushing that fee onto seller which is illegal on short sale and in violation of CA HBOR. SLS can not in anyway demand the removal of fees which are approved by 1st lien holder. This egregious and malicious illegal tactics must immediately cease and desist. SLS must adopt the policy they had before and every single lender has and focus on what they want to net from the short sale and not remove fees approved by 1st lien holder. Trying to remove fees in negotiation that are approved and being paid for by 1st lien holder is in fact acting in bad faith and is something SLS can be sued for.

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 2018-07-30 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: Financial Recovery Services, Inc.
State: MO

Complaint narrative:
This account shows as a derogatory mark on my credit report which I was unaware of this account. I have not received any letters or phone calls related to this. It was closed an sold to collection agency who neither tried contacting me before putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX, Account # XXXX, amount {$7100.00}. I have sent Equifax a copy of Police Report and Equifax did not remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed with the company around XX/XX/2018. The company received my disputes on XX/XX/18.b It is now XX/XX/18 and I did not receive notice back within 30 days. The FCRA gives the company 30 days to respond and instead of a response I received a judgement in the mail on XX/XX/XXXX. I still have not received a response.

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 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was arrested XX/XX/2015 and served 5 years with half time for my criminal charge. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an XXXX  to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX  and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS IS A SEPARATE ISSUE FROM THE COMPLAINT SUBMITTED LAST WEEK THIS IS NOT A DUPLICATE COMPLAINT Chase is in violation of fair debt collections practices act, acting in bad faith regarding a real estate transaction and CA HBOR At issue is a short sale request that's been submitted and Chase is the 2nd lien holder. The 1st lien holder has approved the short sale and approved all ancillary fees. 2nd lien holders only negotiate the amount that is being paid to them NOT ancillary fees since that does not affect the net they are receiving. These ancillary fees are being paid by 1st lien and have nothing to do with Chase.

Knowing this Chase is illegally demanding the removal a fee approved by 1st lien holder {$5000.00} and a buyer paid fee of {$15000.00}. 

Chase went so far as to demand a contract addendum stating buyer will not pay the fee. This is a violation of a contract negotiation between buyer and 3rd party and is acting in bad faith. It is a violation of debt collections practices act on a fee that is being paid by buyer which has no debt to Chase. It's acting in bad faith because these fees are approved by the senior lien holder and are being paid by senior lien holder and buyer. These are fees they have agreed to and have no bearing on Chase 's input or what they would receive from short sale. 

This egregious, illegal and malicious tactics by Chase must cease and desist immediately. Chase may NOT in anyway interfere with fees that have been approved and are being paid by a buyer and has no effect on Chase 's net.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: CA

Complaint narrative:
On XX/XX/XXXX I opened a dispute with Case over XXXX in charges by XXXX. My case was opened on XX/XX/XXXX and I submitted all required supporting information on XX/XX/2018 via secure message on the chase website. I received confirmation via secure message on XX/XX/XXXX that the information was received ( all attached ). I received a letter on XX/XX/XXXX stating that my case was closed as no information has receive from me. I immediately called and opened a new case, that Chase now calls a re-dispute. I was told it would take 30 days to resolve. I received a letter on XX/XX/XXXX that my information ( original sent on XX/XX/XXXX ) was received. When calling today, XX/XX/XXXX, I was told that all case information was not received until XX/XX/XXXX and that I would need to wait at least another month for resolution. I was never give a credit for the amount in dispute and I have been working with Chase for over two months to get this resolved. Today I spoke with an account supervisor named XXXX and a dispute supervisor named XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have 3 credit card accounts with Barclay Cards each with a great history of use and payments to them. 

Recently, while on a 2 month vacation/work trip out of the country, another credit card in my wallet ( with another company, not Barclay ) was stolen and many charges placed upon it. This caused a cascading effect whereby I had to close that stolen card account, and depend upon my Barclaycards while in XXXX. Additionally, I had to shift my monthly automatic charges that were on the stolen card, onto my Barclay Cards. Things such as monthly storage units, online subscriptions, and several other auto pays were linked to this card. 

The automatic monthly payments I had previously arranged with my bank and had been paying to Barclay beyond the monthly minimum payments to Barclay were now not covering the minimum during this brief period. This caused my balance on my Barclay Cards to ramp up quickly, plus Barclay charging me additional late fees because my payments were below the minimum due. My intention was to stabilize everything when I returned from XXXX. Upon return, I immediately paid the past due amounts. However, without notice, as soon as I had sent them payments, Barclay also lowered my credit limit and now the card I was relying upon to pay some of my monthly autobills that I had shifted to it was no longer covering those obligations and I was then subsequently being charged late fees from these other companies and causing cancellations of services ... a whole cascading effect. I was unaware of what was occurring since I was under the impression I still had about {$5000.00} of available credit available with my Barclay Card to get through this rough patch. To compound issues worse, as  soon as I returned from XXXX, I have been dealing with a medical issue and dealing with all of this unwinding has had to be delayed. I had since discovered that Barclay lowered my credit limit without prior notification and reached out to them to restore the credit limit yet they flatly refused. 

Bottom line, I have had a long relationship with Barclay, have been making regular payments in excess of my monthly minimum for years, up until this circumstance. Yet a Customer Relationship with Barclay seems not to matter to them, regardless of history, regardless of their outrageous interest rates of over 25 %, regardless that they had charged fees for things that they themselves had caused. I am done with Barclay!

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