vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: MD

Complaint narrative:
In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

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 2018-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has started assessing overdraft fees to my account, although I am not enrolled to allow for charges to be made to my card when my balance is low. When I contacted Citibank and asked for them to reverse the fee, they told me that overdraft fees are required as part of the terms and conditions of my account. I never signed on or opted in to any program that would allow for overdraft fees to be assessed to my account. Citibank told me that this is standard to all their accounts, that I can't be removed from the overdraft program, and that they would continue to assess overdraft fees, and I should be more conscientious of my budget. I told them this was illegal per 2010 's Overdraft Protection Law and I was told that I just didn't understand the law and that their fees were typical. 
The fee was eventually reversed, but I was told it was a " one time courtesy '' rather than a correction of a policy that is in violation of the law regarding consumer account overdrafts.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This number called me today. ( XXXX ) XXXX and I kept asking them who they were and what they wanted. They would not identify the type of company they were with and what they were trying to do.It was only after a XXXX search that I found out what type of company they are. they repeatedly refused to identify the company. They kept asking for my by my maiden name and I kept telling them that it hasn't been that since XX/XX/XXXX. i got married in early XX/XX/XXXX. They wanted me to give them my social security number and I kept telling them that I was uncomfortable giving them that information. I kept asking them why they needed it and they said they had received a file on me but would not tell me what kind of file or even hint what it pertained to. So, they then asked me to confirm my address and I said no again that i was no comfortable giving them my info as they might want to use it maliciously. They then said that they had 3 addresses for me and one of them is my current address cause he said the street name. He then kept calling me by my maiden name and I kept telling them that there was no one here with that last name. They kept wanting me to give them my social and address but would not identify themselves and I told them that they were breaking the law by not disclosing that info. he said he would try again later and as I was trying to tell him not to call me back he hung up on me. i spoke to two men, one of whom said he was a supervisor.

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 2018-07-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have several hard Inquires on the equifax credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.

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 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX was apparently bought out by Citibank. For SEVEN weeks we had no access to the account, nothing, no statement, no online access etc. Apparently none of the payment information transferred over where we had the account set up for auto pay monthly but NO one advised us of this and we weren't sent a new card in the mail to date. The new card will have a new number so there is no way to check on payments or get in the system to check on anything. I have been receiving collections calls from Citibank regarding payments I didn't make, except it is THEIR problem. The collections agent tried to collect for TWO months, even though the 2nd payment isn't due until XX/XX/18. I was then transferred to his supervisor since I am unwilling to pay a higher monthly payment that is high through XXXX and Citibank error and NO error of ours. XXXX employee number XXXX became condescending and nasty and attempted numerous times by PUSHING for a payment that isn't due until XX/XX/XXXX. I set up a payment for XX/XX/XXXX for a little more than the normal monthly payment but am still being harassed for a payment that is almost {$30.00} more than is due because of their late fee that they will only take off of the total balance but are still trying to collect on the front end. I was called via robocall at my place of employment to collect on something that was " late '' through no fault of my own. I believe I am due for these calls and treatment. They won't even send a NEW card at this point until I pay what they say as due but I have no ACCESS to my account. So I am filing for their unethical collections practices.

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 2018-07-18 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: WY

Complaint narrative:
On XX/XX/XXXX i was informed from my parents that Navient loans from the department of education called. They left a voicemail stating that i was past due on payments from their department ; stating that i was supposed to start making payments the beginning of XXXX. I am in the military ; when i left for the military it was in an agreement that i would be on an XXXX XXXX military deferment until XX/XX/XXXX. Since being in the military i have taken college courses paid for by the XXXX XXXX. Being that i have taken college classes, Navient reactivated my student loans. I never received any mail from Navient. They said they have sent me multiple emails, emails which where being sent to an email used by XXXX XXXX XXXX College ; which i no longer have access to. After receiving the voicemail on XX/XX/XXXX I called Navient immediately. They fixed my missed payments and put my account on hold until XX/XX/XXXX. The next day I checked my credit score,  seeing that my score dropped from XXXX down to XXXX, due to 90 days missed payments. I called Navient customer service, explained the situation. Then I was transferred again to the military department within Navient. I again explained my situation with the credit report, not receiving emails, only receiving the one voicemail left on our home phone number on XX/XX/XXXX. The customer service representative gave me the run around and said, there was nothing they could do to fix the issue once reported since it was accurate information. Now i am seeking help to solve this issue. If I knew student loans opened after taking XXXX  college courses, I would have made sure to pay them on time and not miss any payments. Since I was never notified effectively, I could not ensure that this was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: CITIBANK, N.A.
State: MI

Complaint narrative:
filed a dispute with XXXX  with one company called XXXX 's that was supposed to be in a listed in chapter XXXX case with it being discharge date XX/XX/XXXX and I noticed that it was reopen up till past that year like it was in use XX/XX/XXXX-XX/XX/XXXX. XXXX  did and investigation for quite some time then about received a letter and on line through my email XXXX that removed the 3 XXXX 's that were on bankruptcy were totally deleted from my credit report but today I notice today XX/XX/XXXX I went and checked in the inquiries and that it is still listed on my credit report, so I was falsely was mislead saying it was completely off my credit report completely. I want to do what ever you can do to do to make this up to me. Heres a copy of that inquiry XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have several hard Inquires on the XXXX credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my TransUnion XXXX XX/XX/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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On the advice of our supplier, XXXX XXXX XXXX XXXX, we opened an account with Chase Bank, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. Phone XXXX XXXX XXXX. We deposited funds and made several transactions. XXXX XXXX is also a Chase customer and they have several accounts with Chase. 

Then we got a letter from them stating that they were going to close our account on XX/XX/XXXX. No explanation was given. 

We had an invoice due to XXXX XXXX, one of our suppliers, for {$180000.00}. We first made two attempts to wire the funds to XXXX XXXX XXXX XXXX but Chase denied the wire transfers. So we wrote a check to XXXX XXXX XXXX XXXX, for {$180000.00} and overnighted it to them on XX/XX/2018. 

Today we have been informed that Chase returned the check, even though there were funds in the account. They refuse to deposit the funds in the XXXX XXXX  account, even though both accounts are Chase accounts. They refuse to return the money to us by either wire or overnight mail with a certified check. They state that it will take up to 10 business days for them to honor the funds and return them to us, despite us having written the check 8 days ago. 

They suggested that we drive to XXXX to retrieve the funds, which is a 10-hour round trip. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: IL

Complaint narrative:
In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I called the automated line with XXXX XXXX to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through Experian that my XXXX XXXX had reported me 30 days late. I immediately called XXXX XXXX. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX  data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and XXXX XXXX stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called XXXX XXXX and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to XXXX XXXX without any luck.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. 
I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation