vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX sold my account debt of {$360.00} to a collection agency and closed the account on XX/XX/2014. When I check my credit report, the balance owed still shows {$360.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. I have also received letters from three different collection agencies claiming they own the debt now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on my XX/XX/2019 amex bill their is a charge for XXXX from XXXX XXXX XXXX. so i disputed the charge and said not only dont i recognize the charge, i didnt rent any car in XXXX. so ill attach the letter they sent stating that they are ataching proof that we did rent, so what they sent is a copy of the bill and copy of my sons medicare card what the XXXX   is that? and is it hard to prove i rented car no senz me a signature but they send me mt sons medicare card. i want perm credit on the account for this charge. its amex card ending XXXX.

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
on XX/XX/2019 we recieved a letter stating my student loans would be consolidated on XX/XX/2019 and the first payment would be due in 60 ( about ) does not mean 30 days. Today they suddenly changed the terms without our knowledge and want it due on XX/XX/XXXX. I called and spoke with someone a couple weeks ago and he assured me it would be XX/XX/XXXX. They only called me a liar and said it was XX/XX/XXXX when I have documentation first payment will be in XX/XX/XXXX. They are practicing illegal loan terms and need to be investigated. I will be getting a lawyer. The loan is XXXX a month for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This is the 2nd time I've reported on this company. This time the debt is paid in full, but still being reported and lowering my score. When I've tried to call the company, but there is no answer. I've tried several times before contacting you. The original debt was about {$4000.00}. Ive contacted one of the credit bureaus to file a complaint for the second time. Im contacting this company for the second time as well. This was paid off  through their site on XX/XX/XXXX. Its still being reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
WAYPOINT RESOURCE GROUP is trying to collect on a debt that they can not verify. The debt was already unverifiable with one collection agency and my guess is they sold it to Waypoint resource group. Waypoint resource group has illegally reported it to the credit bureaus, they didn't send any notification to my residency, they can not verify my residency, and I was never given 30 days to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Hello, I filed a dispute with Synchrony Bank for a XXXX XXXX credit card statement item. I called ( I have the call recording ) as I had not received my new card. During that call, I asked about the status of my dispute. The agent on the phone told me my dispute was approved. 

Today, I receive a letter saying my claim was NOT approved, which is the opposite of what I was told over the phone. That is extremely dishonest. 

I expect them to pull the call and provide approval of the claim, as this is what they explicitly stated to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX of this year, Ditech sold my home loan to XXXX/XXXX, but notified me that any payments made to Ditech would be forwarded to XXXX/XXXX. However, while automatic payments in the amount of {$1400.00} continued to be made from my bank, XXXX XXXX XXXX XXXX, on XXXX, XXXX, and XXXX of 2019, none of these payments were forwarded to XXXX/XXXX, and subsequently, I was determined to be 67 days delinquent, charged {$140.00} in late fees, and my account went to collections. On XX/XX/2019, I paid all delinquent payments and late fees to XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2014 I was an XXXX XXXX member ( XXXX XXXX  ) with theXXXX. I purchased a used car and used USAA to finance the loan for the car purchase in the amount of {$12000.00} with an interest rate of 16.99 %. At the time i was new to auto purchases and lending and did not have any knowledge in regards to what an acceptable and reasonable auto loan interest rate would be, so i accepted the loan. Now 5 years later i have become more financially knowledgeable and have learned that 16.99 % is a predatory rate for auto loans and i feel i was preyed upon by USAA in addition to them violating the Military Lending Act. I am now in XXXX status with the XXXX XXXX and my financial situation has also changed drastically since i am now XXXX XXXX to further my long term career. Since then the vehicle has suffered some trouble and is a non-operating vehicle, so currently i am paying {$280.00} per month on a vehicle i am not able to use and is still subject to the 16.99 % interest rate. My remaining balance is {$5000.00}. I have reached out to USAA to try and work out a solution and they have told me that the only options are for me to default on the loan which would impact my credit score negatively or continue to make the payments and surrender vehicle and that would also impact my credit negatively. I have offered to surrender the vehicle in exchange for the remaining debt being wiped but they have declined and have refused further help. Any help you can provide is greatly appreciated. Please contact me at XXXX with any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: GA

Complaint narrative:
Im trying to remove my bankruptcy 13 I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.

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 2019-06-07 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: GA

Complaint narrative:
Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I  humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and TransUnion.thankyou in advance CFPB for your help with this matter!

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under Diversified consultants and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to Diversefied consult and XXXX.thankyou in advance CFPB for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received the first written letter back in XXXX indicating that my QCARD credit limit had been reduced from {$500.00} to {$100.00} due to no purchase activity on the QCARD. Last year I used the QCARD and paid off my purchase and had not used it since. I received a letter dated XX/XX/XXXX stated that SYNCHRONY BANK has decided to close the QCARD account. The QCARD account has a XXXX  balance and there has been no activity. There reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form XXXX XXXX XXXX. 

SYNCHRONY BANK does not like consumer 's with XXXX QCARD credit balances.

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 2019-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I was out of a job for 4 months and I couldn't afford to pay my student loans, I called Navient and they told me I don't have any forbearance on my private loans, so I had no choice to let the loans go 90 days past due. 

When I found a job in XXXX, and caught up on my other bills, I decided to call Navient to get my loans back current. The amount they wanted me to pay was something I couldn't afford, so they told me I can qualify for a rate reduction program, I gave them the information they asked for to see what my reduced monthly payments would be. After giving them this information and a payment, I was told that the account will become current after 3 months of successful payments, and the past due would be added to the loan. I agreed. 

While in this 3 month trial, Navient is sending out letters to my co-signers and references stating that if they don't make the past due payment, they will report the account as delinquent to the credit bureau which will affect their credit. How is this possible if I'm making payments? Why are you sending letters to them and not me? Is this a tacit to get more money to Navient? Why is Navient preying on my co-signers after setting up an arrangement with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for and obtained a {$500.00} secured credit card ( ending in XXXX ) around XXXX. I misplaced my card and got a new card that I never activated and had a XXXX balance. I received an email late XXXX from a credit agency alerting me that my credit score had dropped severely. I was told because of non-payments with my credit card. I contacted Wells Fargo and was told that I had an outstanding balance of {$510.00} and that my card had been cancelled and the {$500.00} security had been used towards my balance and I owed them {$14.00}. I objected and informed them how could this be when I never activated the card and it hasn't been used not even once. I was then informed the fees was because of an overdraft facility for one of my other accounts and that I had agreed to have overdraft protection for my checking account tied to secured card. I informed them I never agreed to any such thing and that I wanted a full refund of my {$510.00} secured card and to have the items removed from my credit report. I was forwarded to the " executive office '' and had a case # XXXX with a gentleman named XXXX. Wells Fargo and I have been going back and forth to my dissatisfaction. I was offered {$140.00} credit along with {$50.00} good will several times and to which I have refused. 

Wells Fargo informed me back in the first quarter of XXXX that they were going to contact me as the case was sent to investigations department. I called them today and was told the case was resolved in XXXX and that I owe {$14.00} but that they will credit me {$140.00} and a {$50.00} goodwill. I inquired as to why I wasn't being refunded the entire {$500.00}, I was informed that because I paid the overdraft fees in the past, I basically accepted the overdraft protection fees. I informed the agent that I had several accounts with the bank and that when a person sees there account in the negative, they pay the outstanding fees and that's all I did. I never knew, agreed to, or was aware that I was paying overdraft fees or that my secured credit was being charged these fees because I never activated the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Recently my mortgage servicer returned the mortgage payments they received from me and denied the modification. I resubmitted request for mortgage assistanceXX/XX/2019with financials. My home burned and I had burns over half of my body. I'm still recovering, but I'm working and my home has been rebuilt. Select Port Folio is unwilling to assist me with keeping my home. I would appreciate your assistance with my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank has not been included in this scam inquiry into Credit Card transfer payment reversal charge backs. ( {$7000.00} over a week later, and after 2 banks ' customer service reps gave verbal phone assurance, allegedly recorded, that the transfers were verified solid and ready to spend. ) How do I apply for remedy relief from the credit card companies? Chase has updated my online account dashboard without giving accurate reflection of the 8 to 10 days with which it delayed before coloring the transaction status and says there is nothing to dispute. XXXX XXXX won't let me report problems online for payments like it does for disputed charges and says the payment was never authorized, as notated at reversal.

Ref : Case numbers- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc.
State: WA

Complaint narrative:
Grimm Collections is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. Grimm Collections is still illegally reporting to XXXX a debt they can not verify.

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 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Kohls credit card through Capital One. I had been making payments on the card until XX/XX/2019 when I paid the {$740.00} balance off. I requested at that time for the card to be closed. What I didnt know until a credit alert through XXXX   on XX/XX/2019 was that I had paid them twice. 

I received an alert from XXXX that I had a past due bill of over 90-days in the  amount of {$770.00}. I called Kohls and the stated I did have a credit balance and they would mail a check for a refund. I requested they notify the credit bureaus. They said they would. As of today, I still have a past due balance and it continues to accumulate in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: COAST PROFESSIONAL, INC.
State: VA

Complaint narrative:
My paychecks are garnished by Coast Professional ( XXXX ). It has been impossible to obtain any loan information from them. It has made it impossible to even know what my outstanding balances are, to make any additional payments, or negotiate a repayment option. It has been almost three years of my paycheck being garnished with no real correspondence. I would like to know what my balances are and to rectify the garnishment. Since it has been almost 3 years, I am pushing harder for a loan breakdown. 

XX/XX/XXXX- I emailed the agency : Coast Professional asking for loan information. I received an email read receipt on XX/XX/XXXX by ( XXXX XXXX ( XXXX ) and again on XX/XX/XXXX by XXXX XXXX ( XXXX ). No one has contacted me or provided any requested information. 

XX/XX/XXXX- I contacted them on - trying to see about repayment options and received no response. 

XX/XX/XXXX- tried to obtain itemized list of loans, balances, and pay-off amounts. I contacted them quite a few times and tried various govt contacts to try and receive intervention/assistance. 

XX/XX/XXXX- received Wage Garnish form

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