vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX  send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. 

Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. 

XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. 

XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. 

Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. 


Thank you, XXXX XXXX

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone. Kohl 's is aware of this and I have been a card holder for nearly 10 years now with an impeccable payment history. On XX/XX/XXXX, Kohl 's emailed regarding the " Match-A-Pay '' solution offering to save me {$50.00} off of my balance. 

On XX/XX/XXXX, I called and spoke to the supervisor XXXX whom I informed I would be willing to submit a payment today and use the " Match-A-Pay '' solution provided that he waive the recent late fees as well. As of today, two of the late fees have been credit back to my account but I have not received the " Match-A-Pay '' solution as promissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am enrolled in XXXX, the free service provided by Experian due to the data breach, I was one of the affected customers. I logged into my account and there is a hard inquiry that I did not initiate or authorize, for a rental company based in XXXX, MA. I am a homeowner in NY. I attempted to resolve this online with Experians dispute process. Their website shows that you can not despite inquiries online and provides a phone number to call. I called that number : there is no option for a dispute. I repeatedly said dispute and dispute inquiry on the recorded line, and this answer/option was not available. This in and of itself is a huge consumer issue : direct the consumer to dispute fraudulent, identity theft inquiries by a phone number, and then that phone number does not offer that option. Pressing 0 and attempting to speak to someone was also not an available option. That number is XXXX XXXX. Then I called Experian customer service main number. tel : XXXX. Again, disputing an inquiry was not an option in the automated system, and pressing zero or attempting to speak to someone was not accepted. This is also a major legal issue. Hard inquiries impact my consumer credit score. Experience should not be permitted to not provide any way- online or via phone - to disputed inquiries.

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 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took out a loan with Wells Fargo Dealer Service on XXXX. My first payment was due on XX/XX/XXXX. This payment was automatically sent from my bank and applied on XX/XX/XXXX to my WFDS loan. Each month my bank would automatically sends out the payment. In XXXX of XXXX I started to send in a Apply To Principal Only Payment by a check that I made out each month along with the automatic payment coming out of my checking account. Everything was fine until XX/XX/XXXX. With this payment they only applied a portion of the principal to the loan and also took interest from the apply to principal only payment. I was able to resolve this issue quickly. 
Payment and extra Principal Payment were applied correctly until XXXX and again they tried to apply my separate principal payment to my monthly payment amount. This has been going on for several months and not getting corrected. I have called several time and have been told it would be taken care of. As of today XXXX it has not been resolved. They continue to apply my extra principal payment to the regular payment and take interest out of the apply to principal payment. I had a very long conversation with a lady named XXXX last night and got nowhere in fact she is telling me I am ahead on my payments. I asked her several times if they could correct the mistake and fix my principal payment. She is telling me if they do this I will be behind on my XXXX payment. This can not be. I have sent in 31 original and 27 apply to principal payment. How can I be behind if I request them to fix their mistake. This is just not acceptable. I want this fixed the proper way and without them telling me I will be behind on the payment. I can't be behind because a payment goes to them automatically each month. I manually send in the Apply To Principal Only payment clearly stated on the check and also the payment slip. THIS NEEDS TO BE FIXED IMMEDIATELY.

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 2018-12-12 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I was on a disaster forbearance through the end of XX/XX/2018, for the Thomas Fires in XX/XX/2018. The servicer had a scheduled sale date of XX/XX/18, I called & reminded them I was under disaster forbearance protection & they moved the sale date to XX/XX/18. On XX/XX/18 the president declared my area a disaster area once again, for the Woosley Fires. I immediately contacted Seterus &  advised them that I needed to apply for another disaster forbearance for the current fire disaster. I was told that the request was submitted & that the sale date would be postponed. I was following up w seterus on XX/XX/18, when I found out that the sale date was not pushed & there was no record of my disaster forbearance request. I was told that I would need to submit a Mortgage Assistance Application to be reviewed for the disaster forbearance. I was previously told that under in a disaster situation, the request could be submitted over the phone in order to expedite-however, now I needed to submit the application. I did so on the same day. I am worried that there will not be enough time to postpone the sale & review for disaster forbearance.

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 2018-12-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO DEALER SVC XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO DEALER SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Please see the attached documents. 

Western Union processed roughly 70,000 HKD for at least one individual who was illegally XXXX XXXX XXXX from XXXX to XXXX XXXX and XXXX  XXXX. 

Here is the link showing the arrest : XXXX XXXX XXXXXXXX You can see the attached documents showing the transaction receipts illustrating Western Union processed roughly 70,000 HKD in transactions that were the direct result of XXXX XXXX. 

These activities are quiet concerning and appear to be in violation to what WU has promised to its shareholders, the USDOJ, and the NYDOJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
Sent a letter dated XX/XX/2018 directing XXXX to mail my yearly consumer disclosure and to freeze my consumer file. 

XXXX choose not to follow my wishes and did not send me a copy of my consumer disclosure.

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 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I had went to the XXXX  XXXX  hospital  on XX/XX/2016 and I was fully insured with XXXX XXXX XXXX XXXX. Due to faultiness on Hospital end they did not bill my insurance correctly and thought I owed them money. Once I brought it to their attention that I did not owe them any money and that I was fully covered they then fixed their error and gave me a statement along with Phoenix Financial Services showing that I have a XXXX balance because I never owed anything. The director has also reached out to them with no luck to get them to stop trying to collect a debt that is not owed. The origninal Creditor name is XXXX XXXX XXXX  and the reference number is XXXX. They have been calling me non stop making very threatening calls and will not understand that both me and the director of the hospital has spoke with them and told them this bill is not owed and they need to cease and desist billing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: GA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX  loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, reportability of this listing.

There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase sent me a letter stating that if I didn't use my card they would close it. Because of the letter, I went ahead and used the card ... And 2 months later the account was closed. Because of the account closure, my credit score dropped and will impact my ability to get a competitive rate. 

There is a clear disconnect between the claim that Chase made on the letter and the action that they took.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
XXXX XXXX XXXX XXXX XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX  of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX   ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX by XXXX in XX/XX/2017. Lost job, currently unemployable. Collection company sends letter every 6 months. Latest collection amount roughly twice original debt owed

Company response to consumer: Closed with non-monetary relief