vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: MO

Complaint narrative:
My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.

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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NC

Complaint narrative:
ENHANCED RECOVERY COMPAN 11 XXXX Is trying to collect a debt from XX/XX/XXXX. They have open an account on XX/XX/XXXX on my credit report stating I open a new account. I have not open any account with XXXX in XX/XX/XXXX. I have disputed this on XXXX and the collection agency stated is refusing to delete from my records. I have no knowledge of this account and want it taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Professional adjustment company Debts XXXX I spoke with this company and was told to come there to match signatures with the forms they show and my driver license as I was on my way the lady told me don't come because the computer was down to come a couple of days later I called her and called she insisted that I didn't need to come.I disputed this with the credit bureau to no avail please help this is my last resort before I take this matter to Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX  was bought by XXXX/XXXX. When it was XXXX  my paycheck was loaded at XXXX. For years consistently. Now with XXXX  it's sometimes XXXX sometimes XXXX or XXXX. Every week it's a different time. And it's 100 % there fault

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 2020-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is against PayPal and it's bank.this company has no Grace period on payments and I have already caught them charging a XXXX dollar late fee in such a way that it was dated the exact same day payment was due and this month I payed on the XXXX and it was due on the XXXX so I have been it with the XXXXdollar fee and then the interest, try to close the account the one time that I did call and I was told that I could not do that till balance is paid, simply put I was attempting to stop the amount from getting out of control, furthermore this company advertising doesn't tell about the XXXXdollar fee or interest rate until after credit is granted I would like to have this bank audited and  whatever else it needs to be more flexible and fair to the consumer, because this company is out of control furthermore

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 2020-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I've tried to resubmit information for an income-based repayment plan but the website keeps getting an " error '' and I'm unable to submit the proper information. 

My student loans jumped from {$150.00} to {$270.00} to {$670.00} dollars in the last 4 months. 

I understand that I believe I was on an income-based repayment plan but Navient must think I'm making more money. 

I'm currently working part-time and not able to afford a $ XXXX  monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I reported fraud XX/XX/XXXX card end XXXX New card issued XX/XX/XXXX ending XXXX and again reported fraud. XX/XX/XXXX ending XXXX and again reported fraud XX/XX/XXXX new card ending XXXX USAA sent me enclosed IMPORTANT NOTICE ( ** Undated ) Why you are receiving this new USAA credit card? WE HAVE DETERMINED THAT YOUR USAA CREDIT CARD INFIRMATION SUCH AS YOUR NAME, CARD NUMBER, AND EXPIRATION DATE, MAY HAVE BEEN COMPROMISED This new card ending XXXX USAA sent DOES NOT PROVIDE ME ACCESS USAA DID NOT PROTECT CONSUMERS I had already reported fraud 4 times before recieving this card MY PRIVACY WAS NOT PROTECTED BY USAA and USAA has not resolved the fraud on my account that USAA COMPROMISED left unprotected and unresolved When did USAA PUBLICLY ANNOUNCE THIS DATA BREACH TO PROTECT ALL CONSUMERS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be removed.

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 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
As of XX/XX/XXXX a collection account XXXX from receivable management systems appeared on my ( XXXX XXXX ) credit report on behalf of XXXX XXXX. I called and advised that I had not received any mailings from the company regarding this debt ( showing what my health insurance did pay and the remaining amount ) and it should be removed from my credit until I have been given the opportunity to make payment and receive detailed billing show what the charges are, what the insurance company paid and remaining amount. The company indicated it was sent and that if I paid it they can submit a review to have it removed from my credit reporting, while at the same time indicating they dont do a pay and delete. If that is accurate why would I have to pay and then submit a claim to the collection agency to possibly remove, as the phone rep indicated there are no guarantees. Nor could he advise what the criteria would be to have the collection removed from the credit bureau. Since that time I have been alerted three times that the collection account was flagged on my reporting. This took place on XXXX, XXXX and XX/XX/XXXX. I dont believe it is within state or federal law to flag the credit report more than once. I have a paid monitoring service with both XXXX  and XXXX  and can provide information supporting this. If it is against the law to remove the debt. Then I should have been to allowed time to make payment BEFORE it was applied to the credit bureaus. I should have received proof of debt before I filed an initial claim. If its illegal to remove a debt why did the rep indicate they could but the collection agency has to review it but cant advise what the criteria to remove is? 
These tactics needs to be investigated. I have spoken with the company but to no avail. I feel as though the practices are not in accordance with state/federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
I am a victim of identity theft. I have reached out numerous times to all equifax regarding a XXXX account numerous times with no success. This account is considered a secured card which I understand means the credit limit is funded by the owner of the account. I would not have spent any amount of money just to let it go delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX sold my mortgage loan to ShellPoint Mortgage Servicing, which I assume it was sold based on lies. They gave SMS the illusion that they could collect a due debt that did not exist. It has been a nightmare for me and my family since XX/XX/2015 when the XXXX had me sign a deceitful loan modification. I have never stopped paying my mortgage loan, but SMS keeps claiming that I have a debt for more than {$6000.00}. I am willing to pay this sum as long as they show me what month I owe them. I have shown XX/XX/XXXX and SMS all of the payments of each month since XX/XX/2015, proving that I have not missed any monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My vehicle was totaled on XX/XX/XXXX, and I received a letter from the bank ( XX/XX/XXXX ) giving me 60 days to pay off the balance between what was owed and the insurance settlement ( no gap ins ). 
I called the to explain I was waiting on the warranty refund, and was told it would be sent directly to them. The bank said I needed to continue to make payments, and they would " work with me ''. I received statements for XX/XX/XXXX, XX/XX/XXXX, and payments were made accordingly. When I received the warranty refund it was sent immediately, and the bank received XX/XX/XXXX. 

I did not receive a XX/XX/XXXX statement, so I called the bank again to check the balance, and it was XXXX. I sent in the payment, and the bank received XX/XX/XXXX. 

I exceeded the date of the letter by 2 weeks, and the charge off was issued XX/XX/XXXX. 

My disputes filed with the reporting agencies yielded no change in the adverse credit entry on my report. I have also written the bank directly - no change

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 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
speedy Cash would not stop renewing the loan. I was told my payments would not go towards paying off the loan because I was " current ''. Rep at XXXX XXXX, tx location said I would have to default first before the corporate office would speak to me about making sure payments would go to pay off loan. This forces consumers to keep paying monthly amounts without getting anywhere. Then if you default you may or may not be able to work with corporate office. This resulting in negative reporting on your credit report. Speedy Cash also hurts people by falsly reporting " open '' account status so it continues to look like a new credit ding and uses collection agencies to do the same. Doing this does not let the account age and has a severe continuous monthly impact on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.

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 2020-01-24 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: FL

Complaint narrative:
I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.

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 2020-01-24 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: FL

Complaint narrative:
I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: ERC
State: IA

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-01-24 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from XXXX. XXXX had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.

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 2020-01-24 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: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I tried to pay down a Wells Fargo Home Equity Line of Credit using Bill Pay from my XXXX account. XXXX showed that the check was expected to be delivered on XX/XX/2020. I called Wells Fargo on XX/XX/2020 and they had not received the check, so I asked XXXX to put a stop payment on the check, thinking it was lost. On XX/XX/2020 Wells Fargo credited my account as if they cashed the check. I immediately called XXXX and had them reverse the stop payment. On XX/XX/2020 the funds were still showing available in my XXXX account, so I called Wells Fargo. The Wells Fargo representative told me that the funds were on a ten day hold that would end on XX/XX/2020. I escalated and spoke with a supervisor ( XXXX XXXX ) and was told Wells Fargo had experienced a stop payment on XX/XX/2020 and would not try to submit the check again for payment. To expedite the payment, I had XXXX wire the funds to Wells Fargo on XX/XX/2020. On XX/XX/2020 Wells Fargo reversed the credit and turned my account over to collections.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They put 14 late payment marks on account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One had a breach last year as part of its using web and security services hosted by XXXX. They haven't learned anything from this breach! On XX/XX/2020 I placed an order on XXXX using my husband 's account, which has my credit card as one of the cards attached. As I was checking out, XXXX suggested I use my {$23.00} in available rewards to make my purchase. This means that XXXX has access to see my Capital One credit card account. This access is an invasion of my privacy and Capital One is allowing it to happen! If XXXX can have access to my credit card information, they may also have access to my checking, savings and credit report that Capital One has. This is very disturbing and shows that Capital One is very lax on security. XXXX will take everything it has access to and they need to be regulated. 
Thank you for any help and regulation you can put forth regarding this matter.

Company response to consumer: Closed with explanation