vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: NY

Complaint narrative:
Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use

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 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: PA

Complaint narrative:
This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. 
GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. 
I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. 
I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX I consolidated my Federal student loans. At the time my loan was being serviced by Sallie Mae. The balance of the consolidation loan was {$23000.00}. Over the past 10 years most of the time my loan was either in an In-School Deferment, Repayment or a forbearance because of economic hardship. Approximately XXXX my loan was transferred over to Navient to be serviced. After it transferred to Navient I noticed that my loan balance was over {$48000.00} which is about {$25000.00} more than it was previous. My first impression was that this has to be a duplicate entry on my report. I have disputed this entry with all 3 credit bureaus. One of the 3 seems to have removed the duplicate entry. However, I recently also pulled the NSLDS file and it is showing two FFEL Consolidated loans with Navient. I again believe that this is a duplicate entry. I have not been able to get details of the loan balance with Navient or had any success in getting their help to understand the account balance. I spoke to a representative at Navient and their answer was to put me in a Deferment until I could get someone to sort out why my balance was so high and put in a dispute. My goal is to have the account reviewed to see if this in fact is a duplicate student loan entry and figure out the path to get this entry removed from all 3 credit bureaus, as well as to have Navient stop collection on an invalid loan balance. 

I have also noticed that on some of my Credit Reports and Student Loan Account information with XXXX XXXX and Navient that they have my middle initial as XXXX XXXX XXXX. My middle name XXXX and therefore it should be designated as XXXX. I am not sure if there are other XXXX XXXX whose information could be crossing with mine causing some of the balance discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX/XXXX Capital One Statement balance is XXXX XX/XX/2018 I took part in a Capital One Promotion to transfer a balance from a credit card to Capital One ( no transfer fees ). I wrote a check for {$8000.00}. 

XX/XX/XXXX, I paid my previous statement balance ON TIME and in FULL XXXX XXXX/XXXX  statement shows charge of XXXX ( transfer ), regular charge of {$39.00}, and interest of XXXX. Total statement balance XXXX XX/XX/XXXX Paid FULL and ON TIME amount XXXX XXXX/XXXX  statement and payment XXXX had an XXXX credit of XXXX and regular charges of XXXX. PLUS interest charges of XXXX. 

I called to explain that I wasn't subject to interest because I had paid balance in full. They explained that they apply the payment to higher interest rate items first. However, they are including the new purchases as 'higher interest rate ' when, in fact a new purchase is 'no interest ' if it is paid in full before the 30 days. 

So I continue to have a balance on this 'low interest rate ' transfer even though I continue to pay my bill in full. 

THIS IS ILLEGAL!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a voicemail that I needed to call about a problem with my American Express card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because XXXX had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell American Express that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. American Express said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called XXXX. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call American Express but I could have American Express call them. Well, American Express can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to American Express at a cost of {$32.00}, but American Express says they never received it although I have a successful transmission report. I can't submit a dispute with American Express because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at American Express that cares. To be fair, maybe the error was with XXXX  but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my American Express record. Is there any way that you could help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: OR

Complaint narrative:
This is a business and someone named XXXX XXXX called to verify employment asking for personal information about our employee including his social security number and when we ask them who they are and what it is for they are evasive. They have called two days in a row after being told we would not provide the information they are requesting. I looked their number up online and there are multiple complaints that this company is called RNN Group and that they are shady. We want their number blocked from the ability to call and harass this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Received another statement from Mortgage Company that wasn't belong to us. Old account is part of Bankcruptcy recording..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
According to my account history, two of my private loans were sold. There are two dates which the loan sales took place ( XX/XX/2018 and XX/XX/2018 ). I was not notified of these loan sales. 

Navient has also altered the way in which I can view my payment history with them where it reflects a loan sale, and not my payment history. This makes it difficult to determine what my actual loan balance with them is. It also makes it appear that my loan balances have not changed ( despite making on-time payments ) since XXXX of this year. 

When I contacted Navient about this, they told me that I could just ignore it, that the loans had not been sold and that it was " just an internal thing that they did ''. When I asked if my account history would be updated to show that the loan had not been sold and for confirmation that I have been making payments to the correct company, they again told me not to worry about it, that everything was fine, that it was " just an internal thing '' but could not elaborate further. But they could not confirm that things would be updated, or go through my actual payment history with me to confirm that the current loan balance is actually correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls me constantly even after leaving voicemails to my work number and cell phone number. I have not spoken to them because they always call me during my working hours. I have also never received any documentation from them in regards to the validation of the debt. 

They have called me from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 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: NY

Complaint narrative:
MY XXXX rewards master card was charge doff and settled with XXXX, but XXXX converted the card to XXXX XXXX/XXXX XXXX XXXX and sold to XXXX XXXX XXXX XXXX. The account number is XXXX it has been settled and should be reporting a balance of XXXX but still reporting status as a bad debt and in collection on Equifax. The balance is being reported as {$2.00} even though the account has been legally settled. XXXX XXXX XXXX   XXXX.Has reported inaccurate information on my credit report and I want it fixed.This account has been settled on XX/XX/2018 for {$1500.00}. Wrong account status, show it is in collection with a balance when it has been settled and legally paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I paid them back in XXXX in the amount of {$200.00}. om XX/XX/XXXX and then a payment XXXX XXXX after that I have not heard from them, then anther company called to try and collect on that same account and I told them I paid Diversified and Im not paying anyone else no more money on this account. so I have not heard from no one else since then. Then I pulled my credit as I do every year and Noticed that Diversified was reporting on my account in XXXX again after being deleted in XXXX. So I too action to dispute this account with all 3 credit bureaus one bureau has taken action however XXXX and XXXX I have been battling with them for 7 months with this. one account As well as sending a letter to DCI. get a letter from them that they no longer handle the account that it was returned to XXXX. after talking with sprint they have no knowledge of it, however I noticed that the agency Reference number changed. But its the exact same account the reference number they sent to the letter that they no longer handle account is the old account that I had paid them for now they trying to collect on same account with a different Reference number. 
They are trying to get paid off same account twice and Im a single mother living pay check to pay check trying to fix my credit and this company has made it a job stressing me out raising my XXXX XXXX the more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have a Judgement against me by XXXX XXXX. 

Recently XXXX XXXX in the case submitted Documents regarding the sale and transfer of the debt from several prior owners. ( See attachments ). 

In each of these Bill of Sales there was not one instance where there was any information submitted that specifically names the debtor. It mentions files being attached regarding each sale and transfer but there was nothing Consumer specific listed in any of these Bills of Sale, etc. 

According to the Consent Order that XXXX XXXX agreed to on XX/XX/2015 on pages XXXX thru XXXX under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : " A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon. '' Again, as you will note in the attachments there were never any specific reference in these Bills of Sale to the debt being collected on. 

On page XXXX item XXXX of the consent order that XXXX XXXX agreed too it also states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits. 

As you can see XXXX XXXX has again violated the terms of this consent order. 

I recently lost this case in court having pointed out to the Plaintiff regarding the need for account specific information in the Bills of Sale in court, yet no acknowledgment was ever given on it. 

As I stated this debt is not mine and still dispute it. 

The Plaintiff began garnishing my wages on the Judgement recently so a speedy resolution to this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I was under the impression that I would be able to pay back money borrowed with no penalty or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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:
Equifax won't verify me unless I provide a credit report to them. 

I called XX/XX/XXXX to unfreeze my credit report. I could not do this online because when I froze the account in XXXX, they did not have an online account system in place. The customer service person proceeded to ask me for the usual info : name, social security number, address, birthdate, and Equifax PIN That was not enough to verify my identity. They asked me : - my mortgage company name and monthly payment amount - all the credit cards I have and the balances - whether I have ever had a bank loan in my ENTIRE life ; who the lender was and what the amount was At this point I got mad and asked to speak with a supervisor. While on hold, I went online and tried to set up an online account which asked me for my name, social security number, address, birthdate. 
I asked to unfreeze the account and, shazam, it was done. 
Then, the so-called supervisor picked up and I asked why they needed so ask me so much on the phone when the online account management was so much easier. Of course, she didn't even address my question, but continued her script and said that she didn't know but next time I should get a copy of my credit report before I called. 
Here 's my question : if my account is frozen, can I even get a copy of my own credit and if Equifax can't verify who I am, how can I get a copy of my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX in XXXX. I was charged a {$95.00} annual fee for the card in XX/XX/XXXX for the following program year to XX/XX/XXXX. Barclay 's advertised as one of the key selling points of the card that spending to a certain threshold would yield an equivalent {$3000.00} credit with their co-brand partner, XXXX XXXX. In good faith, I paid the annual fee to Barclays in XX/XX/XXXX and began charging spend to the card to reach my goal by year-end. Less than 3 months later, they have removed this benefit with no consideration for the year I have paid a fee. Barclay 's refuses to refund any portion of my annual fee while I am attempting to close the account.

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 2018-10-29 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: HI

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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