vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I have disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I obtained a secured credit card from First Progress Credit. I had a hardship and asked to close the card since it was secured with my own money. They never closed the card then started charging many fees. Then they charged it off and reported it on my credit as if I owe them {$200.00}. I secured the card with XXXX. First Progress continues to report negative remarks on my credit falsely. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient will not stop calling me at work. They called four times on XXXX, XX/XX/XXXX, three times on XXXX, XX/XX/XXXX, two times on XXXX  XX/XX/XXXX, and two times already this morning, XXXX, XX/XX/XXXX. 

They also continue to call my mother 's home, where I do not live. I already filed a complaint about this with the CFPB back in XXXX. The complaint ID is XXXX. Evidently, this issue has not been resolved, and Navient gave false information that it removed my mother 's phone number from their database. 

Navient also emails me multiple times per day, requesting that I contact them. 

Navient has been completely uncooperative, and in almost every case, belligerent, regarding my account. I have eight other complaints with the CFPB about their behavior dating back several years. These complaints have not had any impact on their behavior, their demeanor, or their unethical business practices. 

The US government has temporarily halted payments on Federal Student Loans until XX/XX/XXXX, as part of the COVID-19 relief effort. This does not apply to private student loans. Navient has not participated in any such relief effort with its private loans, and instead has become more belligerent with its communication, as they continue to disturb me at work. 

I am unable to resolve my issues with Navient because of this, and I refuse to spend a single moment of my time at work corresponding with their representatives due to the aforementioned issues. 

Moreover, when I am not at work, I am still looking for other sources of income or otherwise managing other responsibilities. I absolutely will not speak with representatives at Navient, who behave like bullies and refuse to provide options for relief. 

I responded on XXXX, XX/XX/XXXX, to one company representative, XXXX XXXX XXXX XXXX, with the terms under which I would be willing to speak with Navient. In that communcation, I stated that by continuing to contact me, Navient will enter the agreement contained in this email. Navient did not respond by email, but has continued to contact me by phone. I consider this an agreement to the terms, and as such, Navient assumes responsibility of the terms given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WEICHERT FINANCIAL SERVICES
State: DE

Complaint narrative:
On XX/XX/XXXX, I was charged {$4900.00} for homeowner 's insurance despite my proof that I already have coverage. In fact, they paid out the annual premium of {$910.00} on XX/XX/XXXX. 

I have provided them my proof of insurance over the internet ( XXXX ), mailed the entire policy three times, faxed it four times and have called about this specifically three times since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navient 's rate reduction program department on XX/XX/21 explaining to them that I still have limited work and my income has been drastically impacted for over a year. I asked if I was eligible for temporary interest rate reduction so I could have more affordable monthly payments and still be able to pay my loans down. I explained since I had to extend these loans out the total payments since loans dispersed would be over 40+ years. They stated I have used up my interest rate reduction allotment, unwilling to accommodate even though I stated other private student loan services were able to. They only offered me interest only option which perpetuates this cycle of debt without allowing me to affordably pay down some principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
Originally I requested a written verification, which GLA Collections out of XXXX XXXX Indiana. They failed to provide such verification. So I contacted the billing agency of the hospital ( XXXX XXXX XXXX hospital, they said there was no such charge issued for XXXX $ Let alone sent for collection. So I called the collections agency and while trying to tell me the charge do exist they said they sent the original written notice to an address I have not lived in and I XXXX XXXX I havent had since a year prior. Meaning they have a false charge and refused to provide a written notice. I am able to retrieve the call from my carrier, and the company recorded it too.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Currently, I simple need verification from JPMorgan Chase Bank National Association whether they directly sold my Note to XXXX XXXX XXXX. 
I know Chase did not directly sold My Mortgage Note to XXXX XXXX XXXX. 
But I need a written verification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, I paid a principal payment of {$500.00}. My regular monthly payment is due on the first of each month. I have the payment of {$160.00} automatically withdrawn and the loan is current. My complaint is that Best Egg only paid {$440.00} off my principal and took {$59.00} out in interest. The CSR stated that if I wanted to make a principal payment I should do it the day after the regular payment is due. Is this a correct calculation of a principal payment make later in the month as opposed to later in the month? 
Please advise is this is a best practices consumer loan practice. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureau 's are illegally reporting inaccurate information 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 2021-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, 2017 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Trakk, LLC
State: MD

Complaint narrative:
I had an auto loan with Autotrak. The car was totaled and deemed a loss. During the time of the loan i never made a late payment and also had GAP coverage. The car was totaled XX/XX/XXXX and once Autotrak received funds from insurance company i spoke to an associate who allowed me to believe XXXX insurance paid most of the remaining payment and the GAP insurance covered the rest. In XX/XX/XXXX I pulled up my credit report and was surprised to see Autotrak showing a charge off in the amount of {$2400.00}. I immediately called the company an they said yes the received money from XXXX and the GAP insurance but there is still a balance. The response from the associate did not leave a clear understanding as to why i would still owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had opened a promotional account introduction offer from Citi Bank which required a deposit of {$15000.00} for 60 days into a new account when you opened a checking and savings account, in which you would receive a {$400.00} bonus. I did this in XX/XX/2020, and in early XX/XX/2020 I had reached the eligibility criteria. In XXXX I had contacted about when I would receive the bonus, and they said it would come by XXXX, and that I had met the eligibility criteria. Due to inactivity in my checking account, they had closed my checking account at the XXXX  of XXXX, though I left my initial deposit in my savings account until I received the promotion bonus. Over the course of the next few months I had contacted the bank due to no funds being provided, and they mentioned that I should be receiving it soon. In XXXX I had opened a case because I had still not received the money ( within 90 days ), and they told me there was no promotion offer. After I had called and told them that there was, they had confirmed that there was a promotion, and that I had met the eligibility criteria, even though one of my accounts were closed, and this was confirmed by multiple people. 

I have now received a letter that I am not eligible for the offer because my checking account was closed, even though I had deposited my funds in the savings account and had met the bonus criteria initially. They said I had to have both accounts open by the time the funds were 'deposited ', but that was not the initial offer, which was that you needed to have the money in the account for 60 days and then you would be able to get the bonus. There was no mention of any additional criteria of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). 

I had met the original bonus criteria, and I believe that I am still owned the bonus from Citi Bank because I met the original criteria that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the criteria. Other bonuses that I have received in the past have been deposited fairly quickly after meeting the criteria, so that's what I was expecting with this bank, but apparently not, and their inaction apparently switched my bonus eligibility from yes to no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TX

Complaint narrative:
On XXXX XXXX I was notified by the IRS that someone tried to use my social security number to fraudulently file taxes for XXXX. The IRS provided me with documentation and the steps needed in order to protect my identity. One of those steps were to contact the credit bureaus of the identity theft. On XXXX XXXX I filed a complaint with the FTC and on XX/XX/XXXX I mailed the documents provided by the IRS and FTC to Experian XXXX 
Experian received my documents on XX/XX/XXXX. I spoke with a representative at Experian on XX/XX/XXXX to confirm that they received my supporting documentation that listed all the accounts that were not mine and that were fraudulent placed on my credit report. On XX/XX/XXXX, I received an email from Experian stating that the documents that i submitted was not enough and that they were denying my request to " block '' the requested information listed on the FTC report that i provided to them. I then attempted to call Experian to see i someone can explain to me what the email means and what do i need to do or what other information is needed from me. The first representative told me that she could not provide me with any information about what other documents may be needed to get the fraudulent accounts removed. I then asked to speak to a supervisor, who then, kept me on hold for 47 minutes and then hung up on me. I have been trying to reach someone at Experian to get these accounts removed and to speak to someone so I can get an understanding of the next steps, but every representative refused to assist me with my credit report and explain to me why the supporting documents that I provided was not enough

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 2021-01-27 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-27 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have been having problems with Flagstar Bank promptly crediting my mortgage payments since XX/XX/XXXX. Flagstar Bank has been servicing my loan since XX/XX/XXXX. I use XXXX  XXXX XXXX Bill Pay to make my mortgage payments each month. 

I suspect that Flagstar Bank has recently adopted polices which create situations where customers incur late fees, namely ; 1 ) Flagstar does not accept ACH mortgage payments from other banks, 2 ) Flagstar is deliberately slow in processing payments by US mail, 3 ) Flagstar actively markets its MyLoan servce ( when your payments have incurred late fees ), 4 ) Then Flagstar acts like they are doing you a favor ( when you ask to have the late fee reversed ; which they caused by not accepting ACH payments and/or are slow processing US mail payments ).

5 ) Flagstar staff often blame the US mail for not receving the payments on time.

My bank records show my mortgage payments were sent to Flagstar on the following dates : XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XXXX ( all is well ) *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( late fee accessed & reversed - Oh XXXX Flagstar! ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XX/XX/XXXX ( just in time to trigger a late fee after the XXXX - late fee accessed & reversed ; Flagstar did not credit for 7 days ), XX/XX/XXXX Flagstar MyLoan debited my account on XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar credited on XXXX, XX/XX/XXXX Bill Pay debited my account on XXXX - Flagstar credited on XX/XX/XXXX ; ( Flagstar did not credit for 6 days ), *XX/XX/XXXX Bill Pay debited my account on XX/XX/XXXX - Flagstar did not credit until XX/XX/XXXX ; ( Flagstar did not Credit for 6 days ) btw - just in time to trigger another late fee BUT I also made a MyLoan payment on XX/XX/XXXX. 
*XX/XX/XXXX Flagstar debited my account on XX/XX/XXXX - BUT NOW all of a sudden Flagstar credits on XX/XX/XXXX! 

I guess I should be happy that Flagstar credits my payments a day early if I use their service. I guess Flagstar can afford it if they don't promptly credit on other bank Bill Pay/US mail payments 6-7 extra days!

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 2021-01-27 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: Premium Credit Bureau
State: NC

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. PREMIUM CREDIT BUREAU Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation