vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
My student loans are serviced by Navient. In XXXX, I spoke to a Navient representative over the phone and gave him my bank account number and routing number to make a payment for two months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than 100 days delinquent. I was then transferred to a Navient supervisor who set up auto pay for me and opined that perhaps the Navient representative who took my information down did so incorrectly, and that my bank rejected the payment. This supervisor updated my records and brought my account current. I assumed all was well until I received a credit alert that Navient had reported eight accounts 90 days delinquent, crushing my credit score. 
Navient tells me that it sent me two letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from Navient that I did not receive, but it is not uncommon for their representatives ( or their automatic dialing service ) to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
Navient informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but Navient will not provide it. All Navient needs to do to make this right is remove the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 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: VA

Complaint narrative:
I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.

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 2017-10-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian. They did not fix security loopholes which they were notified of, and their negligence breached the privacy of 145 million Americans. They then knew about this, and did not notify the at-risk consumers for 6 weeks!

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 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from my report.

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 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
on XXXX I sent information a Certified letter to SCA Collections. The letter was signed by XXXX XXXX on XXXXXXXX. My main reasoning for this is because SCA is a third party collection company and my information has been released tho SCA from XXXX XXXX XXXX the creditor. The letter I received have information which is Violation of the Hipaa Law. They are releasing information to me such as XXXX XXXX/XXXX w/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. SCA have reported this information to the Credit Bureaus XXXX, XXXX, XXXX. Indirect Violation of HIPAA LAW. 
listed accounts SCA : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. 

While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Go Capital Holdings, LLC
State: MS

Complaint narrative:
I got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: ME

Complaint narrative:
On XXXX XXXX, XXXX, I was removed as a XXXX % partner in a business, and the business partnership was dissolved. As shown in legal documents that I sent to all three of the credit reporting agencies as well as to two credit card companies, XXXX XXXX and XXXX, that the remaining business partner, assumed all debt associated with the company including credit cards, and that I was not responsible for the debt and wanted these two credit cards removed from my credit report. 

I have since pulled credit reports. XXXX and XXXX have removed these two cards from my credit report. Experian sent me a letter stating that they were unable to use the legal documents I provided with my dispute and are not able to make the changes I requested ( removing the two credit card that do n't belong to me from my credit report ). They are contacting the furnisher of the information or the vendor who collected the information. The furnishers of the information is XXXX and XXXX XXXX. After speaking with XXXX XXXX they took further steps to close the account in my name, and confirmed they had the legal documents I sent and agreed that I was not responsible for this debt and that they would report to the credit bureaus to remove this account from their records. My calls to XXXX XXXX has been less than satisfying and to date I have not received any confirmation from XXXX that they have reported to Experian that I am indeed not responsible for the debt and that it has/will be removed from my credit report. 

.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.

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