vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
On XX/XX/2018, my automated payment of {$220.00} was inappropriately allocated toward only two ( 2 ) of my seven ( 7   ) total Federal loans. {$92.00} was allocated toward loan # 2  ; {$130.00} was allocated toward loan # 4 ; No payment was allocated to the remaining 5 loans ( {$0.00} ). I did not request that payment be allocated differently, the Servicer simply misallocated the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
The XXXX at XXXX XXXX has committed acts of fraud and extortion against me. The XXXX at XXXX XXXX informed me that a payment of {$1800.00} was due on XX/XX/2017. When I refused to pay the XXXX at XXXX XXXX {$1800.00}, the XXXX at XXXX XXXX received permission from a judge to evict me. I was evicted by the constable on XX/XX/2017. I am not sure if the constable or the judge knew that I was being charged {$1800.00} when I agreed to pay the XXXX at XXXX XXXX {$940.00} a month. After I was evicted, National Credit Systems put a debt of {$4300.00} on my credit report. The XXXX at XXXX XXXX kept my {$400.00} deposit. I am now in debt {$5000.00} because I refused to pay the XXXX at XXXX XXXX {$1800.00} for the month of XX/XX/2017. The XXXX at XXXX XXXX also charged me fees because the apartment was in bad shape. I would like to see pictures to substantiate this claim. 

I attempted to pay National Credit Systems {$2100.00} to resolve this debt. National Credit systems refused to accept a payment of {$300.00} over the phone after I informed them that the last {$300.00} payment would not be paid form my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Mailed Check to XXXX paid for USPS tracking XX/XX/18 Payment mail to correct address. They received payment XX/XX/18 Checked my XXXX Visa on XX/XX/18 no payment! 
Called got a big run around. Checked every other day online & phone calls. Nothing Workers not helpful. 
Call my escrow company they email me a copy of the check-also the check did clear!! 
Email them copies of cleared check front & back on XX/XX/18 ( copy enclosed ) Please review letter dated XX/XX/18 Gave them information needed front the start. 
Now this letter is stating that finish the investigation!! 
What did they investigate? 
You will see from the start I gave them copies of front & back of check. 
Also the escrow have record. 
What up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX is calling me, daily, anywhere from 15-20 time a day. As early at XXXX XXXX and as late as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX  because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I asked the fiance company ( XXXX XXXX ) to reset my payment date from the ( XXXX ) to the end of the month when I bought the car ( 2016 XXXX XXXX ) My Job cut my hours to parttime 30 or less a pay period. This has caused my payments to be late if my due date was at the end of the month I can take both paychecks and have my full payment and paid on time but each Rep I talked to refuse to help me out now I three months behind on my not now Im in repo status I love my car and Im going to pay the note. Just need a lil help in doing 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 2018-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Greater Collection Agency Bureau, LLC
State: KS

Complaint narrative:
I received a call XX/XX/XXXX from a person from GCAB ( Greater Collection Agency Bureau ) They knew my full name, ss #, bank information, everything. Said I had a debt from an online payday loan company in XX/XX/2013. I've never done that. The person that took the loan out was a different name. He said he'd give me until Wednesday to figure it out or they will file a judgment and it will be on my credit. I'm not sure what to do. This is the number they left. ( 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 2018-09-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company XXXX. They have been removed form my other accounts but they are still showing on my equifax. I disputed with equifax because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with equifax and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This is a debt company that purchased the debt from XXXX they are saying that the date of delinquency is correct even though it is not the debt was opened in XX/XX/XXXX and was delinquent up until the car was repoed in XX/XX/XXXX. They are saying that they are reporting the debt correctly. I read on the consumer reporting agencies that they can report a delinquent debt past the date of the first delinquency of the original debtor. They are saying that is false and they can report the debt from the time they bought it from the original debtor,. band it is reporting as an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
We attempted to set up a payment modification " trial period '' with our Mortgage Co, Ditech. We agreed to pay a set amount by the XXXX of XXXX, XXXX and XXXX of 2018. We paid XXXX 's payment early from our savings account with no problem. We paid through a savings account that we have had for years and had no problem in XXXX. When XXXX and XXXX came along I made arrangements for the payment to come out of my savings account again and in plenty of time. In XXXX I received a letter that Ditech was unable to take our payments out of our " checking account. '' I immediately called Ditech and attempted to correct the problem. They stated that I told them that they needed to take the money out of my checking account. I asked them to please go back and check the recordings of my calls. I waited for a week for the company to get back to me, they did not. I called them one week later and asked what they found out from the recordings. They stated that when they asked if it was checking account I did not correct them, therefore the problem was mine and the modification trial was a fail. We did receive a letter of default on XX/XX/2018. I asked them how to appeal. On XX/XX/2018 we filed a formal appeal letter. We made absolutely no changes to our savings account, and this was the same account that the company had been taking payments from for close to two years. We do not understand how all of the sudden during our " trial '' period we had 2 payment problems that we had not had during the 2 prior years of  payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018 I received an updated credit report from XXXX and Equifax and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NC

Complaint narrative:
On XX/XX/2018 I received an updated credit report from Experian and XXXX and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on 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 2018-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I reported boa and XXXX XXXX wrongdoing the business with customers and the answer I got totally wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: CA

Complaint narrative:
I am having a problem with XXXX XXXX. There are two credit  cards that are in their name : one, which is through XXXX XXXX ; one which is through XXXX. These accounts are paid off as of XX/XX/2018, and they have reported to all three credit reporting agencies as a " charge-off '' instead of a " paid-off. '' I have contacted all three credit bureaus via mail, I have spoken with XXXX XXXX  and mailed them letters, including receipts showing paid off, yet they will not take this off of my credit report, which is making me get turned down for new credit opportunities. They state that because XXXX XXXX went out of business, they reported it as a " charge-off '' erroneously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NM

Complaint narrative:
I have sent Experian numerous requests to investigate and remove two accounts from my credit report/file that do not belong to me and they are not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Just noticed that my credit card statements from my REI card through USBank does not have the minimum payment warnings anywhere on the five pages that I get every month. Isn't this against the Credit CART Act of 2009? 

Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
This company calls repeatedly and never leaves a message. 

When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. 

Any outstanding debt I had has been dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX  / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: FL

Complaint narrative:
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: NJ

Complaint narrative:
I had a joint account for a mortgage loan that was included in my previously discharged Chapter XXXX. The loan was sold to a different company thats trying to illegally Re-report the same discharged debt. Ive repeatedly reported to Equifax that this account should be removed from my file. They would take it off then it would reappear months later. The company is XXXX XXXX XXXX. This company is willfully violating the Fair Credit Reporting Act. Equifax is allowing them to do so by not removing this completely from my file. XXXX and XXXX   already removed from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am submitting this complaint because Bank of America has issued a false report to something called XXXX XXXX XXXX. I had no knowledge of any fraudulent activity nor have I indulged in such activity. I actually drove to the state of Florida to get this resolved because there is no Bank of America in XXXX, Al. I went in to make a deposit into an open account only to find that they would keep my {$500.00} deposit until they investigated if I owed them any funds and if I did not then they would release the hold on my account and send myself a paper check because that particular account had to be forced closed. I attempted to open a new account at XXXX XXXX only then did I find out that due to Bank of America placing me in the system with some type of fraud alert attached to with my name and social, I can not open an account anywhere. I received my {$500.00} paper check from them about a week later and they still never lifted the report. I have been deprived for almost a year of opening a real account with any bank. I would like for this to be removed if you all will be able to help me in any way ... Thanks

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