vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: TX

Complaint narrative:
I have noticed that periodically and without warning, Navient will lose or erase my scheduled payment from their system. I recently had this happen this month after I scheduled a payment to process XX/XX/18 on XX/XX/18. I checked my account online this evening and noticed I had no scheduled payments and no payments posted or processed. So I scheduled another payment this evening for the same amount as before however now I am paying 3 extra days of interest ( which may be why they are doing this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I attempted to put a freeze on my credit date through equifax at www.freeze.equifax.com in order to prevent any fraud. I got through the process and to a webpage that said " Your security freeze request has been processed ''. Same page had the following " To view your one time PDF please Click Here '' and a link. The link did not work. So I could not retrieve my pin as the link didn't work. On Monday XX/XX/XXXX I called their customer service number, and was asked several security questions which were not answerable, and they would not let me proceed. I tried the same evening to go thru the process again, but since I had a freeze already, the only option was to unfreeze. There is no way to unfreeze without a pin, which they did not provide due to a problem on their website, and customer service is very unhelpful - as well as difficult to understand due to poor English. Also, they only operate during limited hours. Their website also includes a chat feature, which I tried to utilize for assistance, but they can't help with credit freezes. To top it all off, after the phone call with customer service I was supposed to be directed to a survey about the experience ; that didn't work either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: KY

Complaint narrative:
Started in XX/XX/2016 with {$220.00} payment to Ameritech. Then I paid {$200.00} for the next 10 months and I have been paying them a {$99.00} a month " service fee '' ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX has called family members and discloded my information to another family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
I purchased a clothes dryer from XXXX XXXX XXXX several months ago. I have made all my payments within the week due before a late fee was assessed. I am XXXX XXXX and get paid at random times which I told them at time of purchase. The date my payment becomes due, the company starts repeatedly calling and texting my personal and business phone. They proceed to call at least 12 times a day. Twice I have asked them not to call me repeatedly and that I would report the practice as harassment but they continue to call several times afterwards. Today they have called 12 times. My payment was due on XX/XX/XXXX so it has just reached one week which is the latest it has ever been. I usually pay it within 3 days of the due date. This is affecting my work and I an unable to answer business calls because they continue to call about every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: IL

Complaint narrative:
XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
To whom it may concern : I have written several certified letters to this XXXX XXXX XXXX. I have certified receipts that they have received my letters, stating for them to send me information concerning this bad debt on my Experian credit report. I have heard nothing! Experian has been disputed 3 times!! and they still keep this false fraudulent information on my credit report. How are they verifying this account? Not by actual doing a investigation, because if Experian did a actual investigation they would see that this is NOT my account! and i want it off now! I am about to take legal action against Experian and this XXXX XXXX  for reporting this nonsense that is fraudulent on my account. I know for a TRUE FACT that this is NOT mine! Below you can see that this is NOT a real company and there is no relevant information on this so called reporting company. I do also know that they haven't sent me anything to validate this account on what XXXX, XXXX or XXXX 's account this is! I do know that It's not XXXX XXXX account ( mine ) and these fraudulent people are not supposed to be reporting this nonsense while in dispute!

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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MA

Complaint narrative:
This is the bill that came in XX/XX/XXXX and it was from XX/XX/XXXX of a charge of {$580.00} I am on Medicare and mass health. The company put in the incorrect billing code in order to receive payment. They came back two years later with this that I contacted Medicare and they stated that I was not responsible to pay this bill. I contacted the company directly to tell them that Medicare stated that I was not responsible for the bill because they did not put in the correct billing code and was told from Medicare not to pay. Now they sent me over to a debt collector I have contacted the company several times and notified them that Medicare stated that I was not to be billed this amount. But they refuse to listen and theyre going against Medicares policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: DC

Complaint narrative:
This complaint is in reference to the XXXX XXXX XXXX Acct : XXXX on my Experian credit report.I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e.  something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing.I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the absence of any such documentation I formally request that this information be immediatedly deleted from the credit file

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 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CT

Complaint narrative:
I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Hesaa is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I missed making a Citi Card payment because my father passed away unexpectedly. Citi Card contacted me that week and let me know I missed my payment and asked if I was in a position to make a payment. I said yes and made a payment over the phone of {$150.00} which was over the min amount due. The balance on the card was at a little over {$500.00} and my credit line was {$3300.00}. Without my knowledge or any notification Citi Card reduced my credit line to {$770.00}. When I called today ( XX/XX/18 ) to see what my outstanding balance was I then found out they reduced my credit line. When I spoke to the 1st customer service rep I was told the reason why my credit line was reduced was because XXXX  showed I was seriously delinquent on another account I told the rep this was completely wrong and I wasn't delinquent on any accounts. When I told the customer service rep this information was wrong I was told to file a report with XXXX   but there was nothing they could due, I asked to speak to a mgr. After going through 3 different depts. and speaking to 6 different  people I finally got to XXXX ( employee number : XXXX ) in client service escalations. He told me he reviewed my XXXX   credit report and agrees there is no negative reporting but the only was he would be able to restate my full credit line was to take my annual income and monthly rent/mortgage amount, complied and gave him both. He asked me to hold and came back after a few mins and said that even though Citi made a mistake he was unable to fix the mistake and restate my full credit line because my debit to income ratio was to high. I explained to him this mistake it now effecting my credit score and could negatively effect in other ways and what is he going to do it help, he told me nothing. I also explained to him that this was the 1st time I was ever late on this card and the reason I was late was because I was dealing with the death of my father. He said unfortunately there was nothing he could but put a note in the file and a supervisor MAY or MAY NOT review the file and MAY or MAY NOT call me back. I let him know I expected a call back and I was filing a complaint with the CFPB

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 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX the original account now held by SOURCE RECEIVABLES MGT, AS COLLECTION AGENT for acct. no.XXXX is guilty of fraudulent charges regarding this account. 
This is XXXX  third agent for this fraudulent debt.The previous two were XXXX XXXX AND XXXX XXXX.EACH CREDIT BUREAU received these disputes last year at XXXX  XXXX  AND XXXX.Each bureau has deleted this same debt for the same original creditor two times and now we have a third collector who claims to know nothing of the previous disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NJ

Complaint narrative:
XXXX is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

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 2018-07-10 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: NJ

Complaint narrative:
XXXX is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NJ

Complaint narrative:
XXXX is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT XXXX IS FRAUDULENTLY APPEARING ON XXXX , EXPERIAN AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED EXPERIANS CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I submitting a letter requesting that my personal information be corrected. Experian received my request on XX/XX/XXXX. On XX/XX/XXXX, I sent a follow up letter requesting correction to my personal information that Experian received on XX/XX/XXXX. Today, XX/XX/XXXX, I called and requested status of my dispute and also informed the agent that I had additional disputes that were not handled properly. I requested removal of hard inquiries that I did not authorize. In additional, I requested verification of false information reported on my credit. My concerns are not being addressed at all. Today I was passed to 3 agents and two of them transferred me to a Special Services Department and I was prompted to input my information numerous times and unfortunately I was not able to successfully speak with an agent. I was informed by the third agent that I had a special agent assigned to my account. My requests are valid and I don't understand why I am assigned to a special department. I was wondering if you would assist me prior to me taking legal action.

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 non-monetary relief