vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 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: GA

Complaint narrative:
I've requested XXXX  XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

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 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX my XXXX account was sent to collection for nonpayment. It was eventually settled and the account was paid for less than the full balance to Debt Recovery Solutions LLC. Debt Recovery Solutions LLC. stated and posted the date of the debt as XX/XX/XXXX, this is incorrect. The date of the original debt is XX/XX/XXXX. It is still on my credit report as a result of this error and it should be removed from my credit report as it is beyond the reporting time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
This is regarding Navient. On XX/XX/19 I received my first phone call at XXXX, then again at XXXX, again at XXXX, again at XXXX, and again at XXXX. I informed them that I was at work and could not talk at the XXXX phone call. They continued to call. On the XXXX call I requested a supervisor multiple times before I was sent to supervisor XXXX XXXX.I told him this was harrassment and I was aware of my rights they said they were allowed to call between XXXX and XXXX until I made my payment. My payment was 20 days past due for {$180.00} and they continued to tell me I had to pay and calls would stop. I asked for the customer service number and he gave me the number to make my payment. Im not going to lie I said some choice words to him then hung up. I called back and spoke with XXXX XXXX. I was calm with her she told me to just make my payment if I could make payment the calls would stop, was talking over me and not qilling to listen to what I was saying. This complaint is about the harrassing phone calls and delibrate action supervisor XXXX XXXX took in preventing me from talking to customer service. I could understand multiple calls if I was habitually or significantly past due but seriously 20 days and {$180.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I DISPUTED A ORDER IN XXXX WITH AN AMP AND SPEAKER BOX THAT I ORDERED AND NEVER RECEIVED. I FILED A POLICE REPORT FOR STOLEN PROPERTY EVEN THOUGH I CAN NOT PROVE THEY DELIVERED IT TO MY ADDRESS AND IF IT WAS I NEVER SEEN IT AND COMPANY THRU XXXX TOLD ME TO FILE A DISPUTE WITH MY CREDIT CARD FOR GOODS NOT RECEIVED AND NOW CAPITAL ONE HAS CHARGED THE XXXX BACK TO MY CARD. I DID NOT RECEIVE THIS ITEM, HAVE PROOF COMPANY TOLD ME TO FILE GOODS NOT RECEIVED AND FILED A POLICE REPORT. I HAVE HAD NOTHING BUT CONSTANT ISSUES WITH DISPUTES WITH THIS COMPANY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX : Opened a Citibank account after receiving a mailer that said I would receive a {$400.00} cash bonus after depositing {$15000.00} into either my new Checking OR Savings account and as long as in good standing for 90 days ( XX/XX/XXXX ). 

XX/XX/XXXX : Deposited {$5000.00} into my new Citi Checking account XX/XX/XXXX : Deposited {$10000.00} into my new Citi Checking account XXXX : Account balance in Citi Checking : {$15000.00} At some point between XX/XX/XXXX and XX/XX/XXXX, I contacted Citi to see when the bonus would go through, they said after the initial 90 days, that the money would take another 60 days to be deposited so by XX/XX/XXXX. 

On XX/XX/XXXX after seeing that the bonus was not deposited, I contacted Citi who said they would look into immediately and make sure my bonus was processed. 

On XX/XX/XXXX : I received a letter saying that my account was ineligible for the bonus since my savings account was closed on XX/XX/XXXX. I never personally closed this account, so am assuming Citi closed it after zero activity. However my Checking is still active and in the initial bonus email it said only one account had to be active and have the {$15000.00} balance in it. 

I wrote them back and received another letter on XX/XX/XXXX saying that my account was ineligible since my Checking account was closed XX/XX/XXXX. They have the account number wrong, as well as my checking is still active as of today 's date : XX/XX/XXXX. Again, either way this is incorrect as my checking is still active and I only needed one active bank account as per their initial mailer and bonus email. 

They falsely advertised their promotion and my account is 100 % eligible for the {$400.00} bonus and I am now almost 30 days overdue for it. 

I am attaching : -Initial Bonus Email I received on XX/XX/XXXX after opening my account -Letter 1 I received on XX/XX/XXXX -Letter 2 I received on XX/XX/XXXX -A screenshot of my active Checking account with balance I appreciate your help in advance, thank you.

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 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
Hello, On XX/XX/19, I received a notice from my credit report tracking system that Enhanced Recovery Company ( ERC ), posted a {$140.00} collection/chargeoff. I was never notified of any collection activity by this company. They never notify me of this mystery debtor that they would allow me to dispute the debt, before placing any wrongful debt on my credit report.

Company Information : Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( 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 2019-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted the company several times in writing to remove any negative data on the account dating back to 24 months being that all accounts are now satisfied and current. 
There is still no response and no change to the status and credit report is still reporting negative activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports. 
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them. 
I uploaded photos of the signatures from the certified letters I sent to both XXXX  and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Constantly receiving calls from this company despite a formal written notice to cease calls. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: WA

Complaint narrative:
When applying for this auto loan I applied for a commercial auto loan for my business. I was told that US Bank needed me to be guarantor on the loan since I am an owner of the business. I agreed because I do all my banking and have another auto loan with them. When my first payment came due I was unable to make the payment because the US Bank advised me the loan was entered under the wrong EIN number, the dealership never actually ran my business credit and instead pulled the UBI number from the state website. The UBI number was never provided by myself or authorized to be used. I provided the dealership with the correct EIN on multiple occasions under the impression that I would get a good rate because of strong business credit. This loan not only had the completely wrong and unauthorized number used to gain bank approval, I never received any documentation via USPS because the dealership also entered the wrong address. I am 4 days past the payment date, I have called approximately 30 times from XX/XX/XXXX-XX/XX/XXXX and never received a resolution. I requested the dealership send the US Bank representatives phone number and they refused. I was told the rate doesn't matter and won't change based on credit. This of course is inaccurate and not true. I spent 3 hours at the dealership on XX/XX/XXXX and received no answers or resolutions. I have requested the loan be terminated and I will purchase a car elsewhere. This request has not been satisfied.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
These debts have already been paid and are showing under collections : XX/XX/XXXX {$390.00} XX/XX/XXXX {$970.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TN

Complaint narrative:
My ex-spouse took my son to the doctor and there was a bill outstanding for {$180.00} and another for {$25.00}. This happened in Colorado XX/XX/XXXX and XX/XX/XXXX. This week I see a negative mark reporting on my credit report so I contacted Professional Finance Company and explained to the gal that I was not in Colorado during those times and therefore could not be responsible for the dept. I also explained that I didnt even know there was an outstanding debt or I could have paid it before it went to collections. The hospital had my ex spouses address but for some reason my name and social security number. The gal on the phone told me that once it went to collections it became both mine and my ex spouse responsibility according to Colorado Law. Which I understand but I was never given the change to pay the bill prior to it going to collections and if I was given that chance this would be a moot point. The gal at the collection company did have my correct address but never, ever have they sent me a notice of this debt and in fact she said they had been sending it to some address in XXXX Colorado. So there was never an attempt to contact me via mail and therefore I feel that this action should be removed from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Company continues to try to contact me via multiple phone calls despite written notice of to cease all calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I paid a debt with XXXX XXXX in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to XXXX XXXX and their attorney, Fein, Such, Khan, & Shepard and they refuse to review the documents and release the money they have illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After repeated times calling into Equifax to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs XXXX and we need credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I and my attorney had tried ceaselessly to dispute these debts to no avail, this company concerned keep acting not in good faith by disregarding our communications and advice since 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for XXXX services that I never used. I do not recognize this account or the details mentioned. This information is inaccurate and does not belong 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 explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This debt is for a table that I purchased. When I received the item, the table was missing the legs. Multiple times, I attempted to return it, the company said they would pick it up but never did. Flash forward some time later, the payments were past due because they didnt retrieve the item and it wasnt what I ordered ( this was online and not from a store ) so they started calling me threatening that they will damage my credit and or take legal action against me. I again offered that they pick the item up as they had agreed to sometime before and they still never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need 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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need 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 non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Razor Capital, LLC
State: NJ

Complaint narrative:
I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital   and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from 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 2019-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a {$900.00} excess payment on my account which currently contains/contained two XXXX loans. One has an interest rate of 4.250 % and the other an interest rate of 3.150 %. I selected to manually enter my instructions for the payment and requested 100 % be applied to the higher interest loan, which should have eliminated this loan with a small amount left over. Instead, approximately {$770.00} was applied to this loan and the rest to the lower interest loan. 

I acknowledge that it appears there is a caveat in the instructions that pending payments may be applied first, but would note that my loan account also states that I am paid ahead by over {$6000.00}, I am not required to make a payment until XX/XX/XXXX, and I had just completed a scheduled payment on XX/XX/XXXX. In addition, the payment of this loan as directed would ( to my understanding ) changed what my next scheduled payment will be, as one of the loans would have been eliminated. 

Further, I was unable to determine any place on the Great Lakes site that outlined a breakdown of my scheduled payment per loan in the account rather than for the overall account, making payers unable to discern how to adjust any excess payments. For example, if I have a pending payment of {$150.00} on an account containing two loans, if I wanted to pay one loan off that is {$500.00} and do not know the portion of scheduled payments that might be automatically applied to other loan I do not know how much I should add to that {$150.00} to pay off the {$500.00}. Payoff amounts are, to my knowledge, only able to be calculated based on the entire account, not each loan in the account. I feel that all of this combined unfairly prevents payers using an " avalanche '' method to pay off higher interest loans first, allowing those loans to exist for a longer amount of time and gaining interest. The options available to the consumer are to A ) keep paying more and more months of excess payments while money is diverted to the lower interest loans or B ) be able to pay off the entirety of the account at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/2018 I canceled my cellular service with XXXX XXXX XXXX in the middle of the billing cycle. They verbally informed me that I would be billed for only 50 % of the month of service. I relied on that verbal agreement. When the bill arrived they billed me for the entire amount of {$180.00}. I called to complain and they said it was their policy to bill through the end of the billing cycle. I reminded them that they made a verbal agreement with me to bill be for 50 % ( {$93.00} ). They refused and turned me over to a collection agency when I refused to pay the full bill.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
According to the Federal Credit Reporting Act creditors are to notify consumers of any debts owed and are to be given 30 days to dispute the validity of the said debt. I was not granted the notice of dispute which is in direct violation of the Federal Credit Reporting Act. I would like a validation of the address they have on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation