vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
A forbearance was granted to me on XX/XX/20 due to COVID-19 that was lasting through XX/XX/20. This forbearance allowed me to withhold my payments up until that time. In XX/XX/2020, I received a notification that my credit score decreased substantially due to having a late payment report listed for my student loans. This has impacted me greatly in an endeavor I am currently undertaking that is determined by my credit score. Please help me correct this and also let me know if there are any steps that can be taken for the impact this has had on me ( i.e. compensation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: OR

Complaint narrative:
All paid as agreed upon.

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 2020-06-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
All paid as agreed upon.

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 2020-06-08 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates is erroneously reporting account number # XXXX to all three major consumer reporting agencies. I have tried to dispute directly with the consumer reporting agencies in which Portfolio Recovery Associates verifies as accurate. I then sent a series of correspondences, including a notice to validate, to Portfolio Recovery Associates to correct this issue in which they have sent me only itemized bills from the original creditor and incomplete " electronic files ''. They have failed to provide me with anything bearing my signature, or showing that i have ( or ever had some contractual obligation to Portfolio Recovery Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Conn's, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. My identity was compromised and used to open a credit account at Conn 's Home Plus through Conn 's Credit Corporation ( collectively, " Conn 's '' ). When I received notification that there was a past due account under my name in excess {$9000.00}, I immediately contacted Conn 's to notify them that this was identity theft and I disputed the charges. I also filed a FTC identity theft report. Conn 's initially responded with a letter from XXXX XXXX, Fraud Investigator for Conn 's Credit Corporation, requesting a sworn affidavit along with other supporting documentation, which I provided. Ever since then I have not been able to establish any communication with Ms. XXXX or anyone at Conn 's to confirm that they have taken any action to close the fraudulent account or remove adverse information reported to the credit bureaus. I have tried all means of communication including phone calls, e-mails, and finally a letter to Conn 's dated XX/XX/2020. To date my messages and communications have been ignored and I am unable to resolve this problem, or even establish communication with anyone at Conn 's who can address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclaycard closed the credit card account due to inactivity without any warning or prior notice. 
I called them and was told that a notice was sent Friday, XX/XX/2020 informing me the account was closed. Today is Monday, XX/XX/2020 and I am yet to receive the notice. The account was closed the same day! 
Usually credit card companies will warn you that due to inactivity your credit card account will be closed if not used within 30 or 60 days. No such warning from Barclaycard. 
I have wr itten a letter requesting the credit card account be reinstated and I cc 'd The XXXX XXXX XXXX and The Federal Trade Commission. 
These practices have to be stopped.

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 2020-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am behind on my bill less than 30 days, and they have called me at work several times. I have specified that I can not receive personal calls at work. I called on XX/XX/20 and spoke with XXXX and made a payment and told her to not call me at work any more. Now a XXXX is calling me and says their are no notes in her system to not call me at work with a very sarcastic tone. I was told again by my boss that I can not receive calls at work, and now my job is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I was referred to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX by my mother. She previously purchased 2 cars from them and was satisfied. She referred me to a sales person XXXX XXXX. I explained my situation and provided her with my personal information XX/XX/2019. I was upside down by XXXX and trusted them to provide me with the best solution. On XX/XX/2019, I go into the dealership, they have a car ready for me, a XXXX XXXX, they sale me on the fact that the car comes with a tax credit. I wasn't going to go with the deal because the payment was more than I anticipated which was {$770.00} per month. XXXX then takes me in the office with her Finance Manager XXXX, XXXX says that he tried to get Honda 's in house finance department to lower my rate to 2 % but couldn't, however, if I make my payments on time for 1 year. I should call Honda and get a modification to lower my interest rate to 2 %. I move forward we the deal with the understanding that I can call and lower my rate in one year. One year later, I reach out to the financial manager XXXX to inquiry about to program to lower my rate to 2 % and I haven't received a response. Then reach out to Honda financial and they inform me that this program doesn't exist. Not only does it not exist, but they can't even refinance me. They are not a bank and don't refinance. Due to the negative equity that I rolled in and the negative equity that come with this particular model. There is no way for me to refinance without paying it all upfront. I was totally mislead and was put in a worse situation than I started in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

Early Warning Services was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: AZ

Complaint narrative:
I have been on an Income Based Repayment Plan ( IBR ) since XXXX. In XX/XX/XXXX I received notification that my student loan monthly payment amount would be changing, from Navient my student loan servicer. The new payment amount was increasing to {$700.00} a month, beginning XX/XX/XXXX. I made the XXXX payment on time and submitted an Electronic Income Driven Repayment Application on XX/XX/XXXX to assess the reduction of the monthly payment amount. On XX/XX/XXXX I received notification from Navient they were not able to approve the IBR request stating " Based on the documentation you provided, your financial circumstances do not meet the federal definition of partial financial hardship required for Income-Based Repayment. '' On XX/XX/XXXX I called Navient and spoke to customer assistance to inquire what repayment plan I was currently on. I was informed I was on the IBR Plan. Confused as to how that could be, since I received notification from them a month prior that I was denied approval of the IBR plan, I asked how my monthly payment was calculated. I was informed it was calculated based on the IBR application I had submitted. I advised them I was denied for the IBR and would like an explanation of how my monthly payment was calculated. I was then informed it was calculated based on a standard repayment and I would be paying {$700.00} for 153 months and {$360.00} for 63 months. I asked what year I would be eligible for loan forgiveness, after having paid 25 years on the loan and was told in the year XXXX. I then asked if I were to change to a Standard Repayment plan what year would I have my loans paid off, since my monthly payment was calculated based on that plan type anyway, and was told in year XXXX. 

I then asked very pointedly " Why wouldn't you inform your customers previously on an XXXX plan, whom were denied after reapplying, that they would pay less overall by changing to the standard repayment plan, since you are calculating their payment based on the standard repayment plan anyway? '' If I were to stay on the XXXX plan, even though I was denied, I would end up paying an additional 48 months, equating to {$17000.00} MORE than what I would pay if I moved to a Standard Repayment Plan. 

Navient is not looking out for the best interest of their borrowers. They are being deceptive in their practices by not providing thorough information to their borrowers, which in many cases will result in the borrow paying more money than necessary on their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.

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 2020-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was sold on the offer of 0 % apr promo, and never received any emails or mail statements. Right after I was diagnosed with XXXX and was hospitalized for most of the time, After 3 months when I called the credit card company to find my status. I realized that I have not been making payments, since I was under the impression that I was on autopay as with all my cards the minimum would be automatically deducted from my account and Id be able yo utilized the promo. With out paying any interest. But not only the charged interest each month, they also reported me as a late payment to credit bureaus, tarnishing my credit for the first time in my life and at a time that could really hurt me financially since I needed to refinance my mortgage. After many aggravating phone calls with the managers they refuse to do anything to remedy the situation or reverse the fees and interest charges that were applied which should have never been applied since I was sold on the idea of zero APR. 
At the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnishedat the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnish credit report. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and Advertizing all their clients to sign up with them. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and advertising all their clients to sign up with themAt the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried. At the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
For online banking there is often a verification. The options are to contact via telephone or email. The problem is that there is additional contact information which should not be on this account. This information does not show up in the account information, but only during verification procedures. 

Therefore, the card company is mismanaging their data. Mismanaged data is inherently insecure. 

I've called in repeatably on this issue. Most recently on hold a ridiculous amount of time. They do not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
In XXXX XXXX, I visited XXXX and they explained a treatment plan. After they got the pre-approval from my issuer, I was to pay {$50.00} co-pay for three visit which I paid. On or about six months after my last treatment, I received a call from XXXX requested an {$800.00} payment for services rendered. I sent a letter of dispute but they never responded until XX/XX/XXXX. At that time, I received a letter from CBA demanding {$800.00}. I immediately sent another letter of dispute and they sent me a ledger but no proof of my ownership was ever sent. Today I found out CBA has sent a collection file to the credit bureaus. I am filing this complaint for that reason. I do not owe XXXX any additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I set up a new credit line at the I purchased a television through XXXX. The full purchase prices was charged to the account at the time of the original order. When the TV was delivered it was damaged in shipping. I requested a return from XXXX and they had the TV shipped back to them. After receiving the return, XXXX refunded the original purchase to my TD Bank credit line. This took 3 to 4 weeks to complete. I then ordered a replacement TV. During this time, TD bank was reflecting payments due on my credit line even though the TV had been returned to XXXX. They assessed late charges and showed my account past due. I contacted them after receiving a statement saying I was past due. After speaking to them on the phone, they agreed that they would waive any late charges and ensure that no late payments were reported on my credit. The late charges were waived however they have reported delinquency on my credit and are refusing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Can not link my bank account to XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 XXXX XXXX XXXX DUPLICATE ) ACCOUNT. 

THIS ACCOUNT SHOULD NOT BE A 120 DAYS LATE FOR XX/XX/2019. LOAN WAS IN FORBEARCE. 

THIS ITEM IS NOT VERIFIED. THIS ITEM IS UNVERIFABLE.. VIOLATION OF 609

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 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, a letter was sent from Commonwealth Financial Systems alleging that I owed a debt in the amount of {$1100.00} due to a medical bill dated XX/XX/XXXX. This was a bill that I knew to have been paid on time, roughly XXXX years ago. I sent a letter via certified mail to the company stating that I was not responsible for this debt, and that they needed to prove that I owed it and cease all other communications. 

On XX/XX/XXXX I received an itemized statement from Commonwealth Financial Systems, which again stated the current balance at {$1100.00}. At this point I called the company to state that I did not owe the money as it had already been paid years ago. The woman that I spoke to on the phone confirmed that my current balance was {$0.00} - confirming that I owed them nothing. I stated that I should receive no further contact from them, and she rudely ended the conversation. 

If I have no balance owed with this company, why have I received two letters stating that I have a current balance of {$1100.00}? Is this not false representation of my account, as well as an attempted fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: ERC
State: VA

Complaint narrative:
On XX/XX/2020 I wrote to Enhanced Recovery Company and XXXX XXXX to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote Enhanced Recovery Company they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.

Company response to consumer: Closed with explanation