vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I purchased my XXXX XXXX XXXX in XXXX  at a cost of approximately {$24000.00}. I gave the car company a {$4000.00} down payment on the vehicle. The car is financed through Consumer Portfolio Services ( CPS ). They are the only finance company I have had on the vehicle. I have made payments on the vehicle for the last FIVE YEARS and I still owe {$17000.00}!!!! I have made over 150 payments over the past 5 years on my vehicle at {$610.00} a month and the difference between now and 5 years ago is only {$7800.00}!! I have discussed this issue several times with CPS and the only excuse they give me is that if I pay late then they don't apply the payment to the prinicpal. It goes directly to the interest and late fees! I should own this vehicle by now and all I have to show for 150 payments at {$610.00} a month is a balance of {$17000.00} dollars!! In addition to the misappropriation of payments, my former account manager, XXXX XXXX, harrassed me so bad about a date change to an arrangement I made that I had to write a complaint to the company 's board of directors. Please look into this issue as this is clearly PREDATORY LENDING and this company needs to be stopped for not only their lending/financing practices, but also for harrassing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
one XXXXr account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called XXXX to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so 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 explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
one XXXX  account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so 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 explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. 

I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY  XXXX the XXXX XXXX XXXX XXXX in the U.S. 

I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). 

If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. 

Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. 
Thank you for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019, I applied for a XXXX XXXX with CAPITAL ONE. The card was denied because they said XXXX did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with XXXX was not frozen, but CAPITAL ONE said it was. I closed the Master card that day and do not know what kind of business CAPITAL ONE is running.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I made an online purchase from XXXX XXXX for a compressor. It got lost by XXXX. It got sent Way back east and then back to Colorado from California. 
When it finally arrived it was badly damaged by crushing. I took pictures of the box and machine damage and contacted the seller. They said, they would send me parts to fix it. The parts I received were not compatible with my machine. I told them. They said, sorry they messed up. I never got the correct parts as promised. I disputed the charge. Citi Card suspended the payment. The seller then credited me XXXX. 
Citi Card then said, they had to rebill me since the merchant credited me XXXX. Now they say I have to pay them, CitiCard, for my damaged box of junk. 
I did all I should have done and could have done to resolve this. I cant go back to the merchant because Citi Bank payed them. Thing do not work this way ... ... .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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. 

XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. 

XXXX received email stating that I can apply for IDR or reply yes to get Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON XX/XX/2019 AN UNAUTHORIZED WITHDRAWAL IN THE AMOUNT OF {$50.00} WAS TAKEN FROM MY CHECKING ACCOUNT TO PAY A SAFE DEPOSIT BOX AT XXXX XXXX. IN THE FIRST PLACE I HAD ALREADY CLOSED MY SAFE DEPOSIT BOX AND SATISFIED PAYMENT A YEAR AGO. I DID NOT WHATSOEVER AUTHORIZE XXXX XXXX TO DEBIT MY CHECKING ACCOUNT. THIS IS A VIOLATION TO MY PRIVACY. I HOPE CFPB WILL RECOGNIZE THIS HAS A PRIVACY ISSUE AND TAKE ACTION. IF ANY BANK IS AUTHORIZED TO ENTER OR TAKE MONEY FROM A CUSTOMER 'S ACCOUNT, HOW SAFE ARE WE? I ALSO DID NOT AUTHORIZE BANK OF AMERICA TO LET XXXX XXXX DEBIT MY  CHECKING ACCOUNT. THIS IS THE THIRD TIME WE HAVE TRIED TO SUBMIT THIS COMPLAINT ( BY PHONE ) AND WAS TOLD CFPB WOULD U.S. MAIL A FORM AND IT'S BEEN OVER MONTH AND WE STILL HAVE NOT RECEIVED ANY INFORMATION. I'M HAVING MY DAUGHTER HELP ME SUBMIT THIS COMPLAINT ONLINE BECAUSE I WAS TOLD IT WOULD BE QUICKER. I STILL BELIEVE A FORM SHOULD HAVE BEEN U.S.MAILED TO ME. GET THIS RESOLVED.

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 2019-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX HAS PLACED AN ACCOUNT UNDER MY NAME UNDER MY CREDIT REPORTS ( EXPERIAN. ) please i need your help to have this inaccuracy removed from my credit file.

i will be attaching the FTC report that shows i had been a victim of ID theft.

please have this fraud account removed from my credit file.

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 non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
Account was not opened by me. Not my account. Account opened and obtained fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TN

Complaint narrative:
Equifax refusing to remove fraudulent inquiries from several creditors although creditors have submitted them as fraud. Fraudulent inquiries areas follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We sold our home on XX/XX/XXXX. The closing attorney and Mr. cooper mailed checks to XXXX County Ga. Tax office. The check from the closing attorney was received XXXX and cashed. The check from nation star dba Mr. Cooper was received and then returned to Mr. cooper on XX/XX/XXXX. Mr. Cooper received the check back on XX/XX/XXXX. I have spoken to Mr. cooper in XXXX XXXX XXXX, XXXX XXXX and XX/XX/XXXX-XX/XX/XXXX. I was told in XXXX that it would be 6-8 weeks before I received my refund. On XX/XX/XXXX I was told that it will now be XXXX before I will be given a refund. They stated that the XXXX county GA tax office would not be issuing a check to them until that time. I contacted the XXXX County tax office and as they stated to me before, the check was mailed back to Mr. cooper and they have not received another check from them, so there is no reason for Mr. cooper to say XXXX County will be issuing them a check. The amount is XXXX.I received a letter dated XX/XX/XXXX cancellation of deed to secure debt. I have spoken to people from Mr. cooper who can not understand why I must wait 9 months to have my escrow returned after the home has been sold, the account paid in full and I never missed a payment with this company. I would appreciate any help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
I had a credit card in XXXX credit limit XXXX. The credit card company sold it ; Midland funding ended up trying to collect in XXXX for roughfully XXXX. XXXX XX/XX/XXXX I found out they have a judgement for XXXX on me since XX/XX/XXXX. Years ago I asked for validation of the debt which I did not recieve, and havent heard from them in years. Now I call them to try to figure this out and they tell me the bill is now XXXX and they aren't budging. My biggest complaint is if this is from a bill from XXXX and they came after me in XXXX, and without notice or an opportunity to question a judgement claim and judgement against me in XXXX. So XXXX to XXXX years whats the statue of limitations on this matter? Then XXXX to XXXX another XXXX ... so this has been going on for 22 years total And why does Midland Funding seem to be doing business unchecked? I am so confused ... if I legitimately owe a bill then I will gladly pay it but what is a fair price for a {$300.00} credit card from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/2018 I went into XXXX XXXX ER, I needed gauges and was told to come back onXX/XX/2018 to have the dressing changed and that there would not be any additional charges because it was associated with the original visit on XX/XX/2018. When I went to get the dressing changed on XX/XX/2018 all I did was sign in. They didn't collect a copay or have me sign any other paperwork, because as I was advised it was associated to the first visit. I started receiving collection letters from XXXX and I advised that this debt is not owed. I advised the debt was in dispute. They put in dispute for 45 days, then sent me a generic collection letter saying that they have validated. I called them and asked how did they validate? Where was the paperwork proving I owe and the debt was validated? I was told that I must validate my own debt. I called back and got a new rep that put the account back in dispute, and today I get another generic letter from them saying they have questions for me. When I called them, they said send them something from XXXX that says I don't owe. I told them to send validation that says I do, because they have yet to prove it. I was advised there are no documents form XX/XX/18 and no signature from the doctor.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2019, I applied for a XXXX CARD with XXXX XXXXXXXX. The card was denied because they said EXPERIAN did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with Experian was not frozen, but XXXX  XXXX said it was. I closed the Master card that day and do not know what kind of business XXXX XXXXXXXX is running.

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 2019-04-10 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: LA

Complaint narrative:
I have XXXX accounts listed on my Equifax credit report. These accounts are from Louisiana XXXX XXXX XXXX XXXX and now listed as opened in XX/XX/XXXX. I have disputed the dates/age of these accounts with Equifax two times and tried unsuccessfully to contact Louisiana XXXXXXXX XXXX XXXX XXXX. These accounts first went delinquent no later than XXXX as I was no longer in college. I was in fact incarcerated by the State of Louisiana from XX/XX/XXXX until XX/XX/XXXX and could not possibly have deferred or paid the accounts during that time. I am working to resolve my debts and rebuild my credit but Equifax makes disputes very difficult and then does not correct the error. Both XXXX  and XXXX have removed these accounts from my credit report after investigating. Equifax has not even after the second dispute. All student loan delinquencies are more than ten years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Started receiving certified signature letters from mortgage lender that account is past due. Lender stated if account is brought current within a date set that the property would go into foreclosure and be sold. Contacted lender and verified account is current. Have received over 20 letters in less than 2 1/2 weeks from the lender stating the account is past due. I have contacted the lender twice and spoke to several representatives verifying the account is current. Was told the letters were a mistake. But still currently receiving letters every day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had XXXXl work done by a local dentist by XXXX XXXX  XXXX in XXXX California. The XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX phone XXXX. He prepared a XXXX for my XXXX XXXX. At the time It wasn't prepared correctly and I got an XXXX and the XXXX did not fit properly. He said it could be fixed. But never made an attempt to do so. The total charge was {$2600.00} and was financed by Care Credit/Synchrony Bank. This was XX/XX/2017. I continued to have trouble with the XXXX that didn't fit properly or look like the rest of my XXXX. I became ill and my husband made payments. The balance owed is {$1200.00}. A Couple of months ago the XXXX  fell out. I went back to the same dentist. He ground down the one XXXX  in the 3 XXXX XXXX   leaving a hole in the back and food gets stuck in that area and I have had various infections. I received a notification from Care Credit that they were going to charge {$960.00} for deferred interest on top of the balance 26.99 %. I called them and told them about the terrible work this dentist did and they said they would open up an investigation & would not charge the interest until the investigation was over. However I just received a bill with the amount due and interest. They asked me what I was disputing and I said the whole amount as this has been going on with no resolution. This is the complete information from the credit Co. Synchrony Bank XXXX XXXX XXXX XXXX , Fla XXXX Account # XXXX XXXX XXXX XXXX phone 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 monetary relief