vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted Transunion through a 3rd party that they were not reporting my XXXX XXXX credit card properly and the amount listed was wrong. Transunion took the card off my account and did not correct the problem when contacted they said they can not put it back on my account because I was a secondary user. This card I have been used for over 6 months and have been paying the bills on it. When I contacted XXXX XXXX they said they gave it to Transunion and Transunion refused. This has affected my score, while other bureas have me at XXXX, Transunion has me at XXXX which is terrible. I want them to correct this and put the XXXX XXXX card back 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 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
In XX/XX/2015 I went to the XXXX XXXX check into cash building. I paid XXXX as a settlement agreement for my XXXX remaining balance on my vehicle title loan. I never heard from this company again. 
Then on Wednesday I get a call am from a man named XXXX asking for me by full name never mentioning he was calling from check into cash in Nevada. I was in a meeting and my assistant called him back and he was unavailable she spoke to a woman who didnt give her name who started saying I HAVE not HAD a title loan with this company ... when my assistant told her point blank I was in with a client and she was my assistant. So A ) they have no right to speak to anyone about any sort of loan ive ever had with them to anyone but me. Then she started asking my assistant for my address and where I lived and my assistant was totally freaked out. The woman told my assiatant she is in nevada and with check into cash. B ) they have no right to ask personal questions about where I live or what my address is. When I called back I spoke to a woman and told her I was recording the line to whi h she responded she was recording but she wasnt allowed to speak on a recorded line told me I never paid them and they will have the police find me and arrest me and make sure I pay for stealing from them. I told her everything they are doing is illegal and I was filing a complaint. They cant have the police come and arrest me when I paid them 3 years ago. Why wasnt I informed of an issue at any point over the last 3 years?!?! She hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: MD

Complaint narrative:
Attached are proof they have NOT been removed. That PUBLIC RECORD ON FILE and Also a Account for UTAH OFFICE OF RECOVERY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a private student loan which originated in the amount of {$35000.00} in XX/XX/2008. 

{$15000.00} was unused and returned ; I began paying monthly payments on the remaining balance of {$20000.00}. 

I have been paying for the last ten years without fail. my current balance is {$14000.00} In the last ten years I have made payments totaling {$15000.00}. However, I still have a balance showing {$14000.00}. So, only {$6000.00} has been credited to my account. 

I have recently been made aware of fraud by the student loan holders in regard to interest rates. 

I have requested detailed analysis of the loan and the explanations have been cursory, vague and incomplete. 

The loan is held by Wells Fargo. I am concerned there may be some improprieties.

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 2018-05-11 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: CA

Complaint narrative:
I have been dealing with Sallie Mae, now Navient, for the past 14 years regarding repayments. They have forced me to refinance at higher rates than the supposed fixed rates that I borrowed at. They have also reported me to multiple collection agencies for the same loan that went into default. I finally settled with one company and paid it back for a lesser amount in total. Now they have sent that same loan that I settled to another debt collection agency and they're trying to extort more money out of me. I am current on all other loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After several attempts via calling and written disputes. TransUnion refuses to correct my name under my personal information. I have never been named XXXX XXXX XXXX or XXXX XXXX. I have never legally changed my name, I have never signed anything using these names, I have never used those names on anything and I do not know how they are verifying anything with a name I have never had/used.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Blocking trim from accessing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MI

Complaint narrative:
Student Loan Consolidation. I was tricked to believe I was call XXXX XXXX XXXX but I really called a guy name XXXX XXXX he stated he went buy the name XXXX. A scam. I paid XXXX none of that went to my loan but to his pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was blocked from enabling external applications to access my checking account at XXXX CST on XX/XX/2018 at the web address XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: Nelnet, Inc.
State: NJ

Complaint narrative:
This complaint in with NELNET Student loan servicing. I have had an account with Nelnet since  XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an undergrad program. Upon receiving my loans from XXXX Nelnet assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from Nelnet and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from Nelnet of {$600.00}., {$450.00} and other amounts. 
I immediately called Nelnet and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, Nelnet informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with Nelnet as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet NELNET has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/2018, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/2018, they still have not answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Background- as a precaution to the security breach by XXXX , and my husband 's identify being compromised. I put a freeze on all three credit reporting agencies in XX/XX/2018. On XX/XX/2018, I wanted to lift the freeze temporarily as my husband and I are buying a house and needed to have credit pulled. I successfully completed the temporary lift with XXXX and XXXX both online or over the phone on XX/XX/2018. I called Transunion after I attempted to go online but could not remember my XXXX pin. I spoke to three individuals about what alternatives they had in place other than requesting a new pin ( 3-5 business days ) by mail. I had to repeat my story three times. Two individuals asked me to guess what the pin was by giving them what I believed was my pin #. I was told by all three they could not give a new pin over the phone. I offered to verify past information on my credit report or give other specific identifying information. The last person I spoke with was XXXX ( no last name ) in " Special Handling ''. He offered that I could write a letter stating I forgot my pin, provide a copy of ID ( GA Driver 's License ), state the time period I would like the lift, and then provide my payment information, but he could not guarantee this request would be completed today. He said I would need to fax it over to XXXX. I repeated back the information and confirmed the fax number. The fax number was not correct and I had no way to call back XXXX directly. He didn't give his full name or his number. No one seemed concerned about asking me for my pin # over the phone and how not secure that request was but of course as XXXX said, he wouldn't want to go to jail over using my pin so I should assume the two other individuals who had version of my pin felt the same. I understand the need to protect consumers but when Transunion takes steps to protect consumers they also need alternatives that address the consumers needs who are honest and forthright. Transunion is only concerned about its company, not about instituting better procedures and protection. I spent over 2 hours on the phone stating my story to three people and not one person had a solution that worked. Extremely frustrating!

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 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE! same problem, same company, different co-signer. 
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/XXXX, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/XXXX, they still have not answered me. Plus they keep sending ridiculous answers for why they can not answer my questions. Playing games to drag it out longer so they get what they want. terrible, terrible, terrible, crooked, lying, stealing company. Some things they tell you only over the phone, some things they only tell you snail mail, some things they only tell you by fax, it's absolutely criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX charged me for In Home Service XX/XX/XXXX. It wasn't In Home, it was Outside, which is XXXX 's Responsibility. I have a hand written note from the Tech stating can't deliver new cable signal under the driveway, Service cancelled and monthly amount auto paid in full throughXX/XX/XXXXuntil service cutoff. I was never contacted by XXXX or Diversified. I have a XXXX XXXX Account and got an alert around XX/XX/XXXX that a negative report had dinged my score by 100 POINTS! Diversified Consultants had made a negative report against my credit to all 3 agencies for an erroneous past due balance from XXXX for {$190.00}. The minimum amount that can be reported is {$100.00} and the charge is fabricated and piled on by fraudulent interest charges. Diversified has literally thousands of complaints and bad reviews online and I won't even get into how I feel about XXXX.. These bottom feeders used the negative credit report in retaliation to try and flush me out and frighten me into paying an erroneous past due bill. This is a clear violation of the Fair Credit Reporting Act by both XXXX and their hired henchmen, Diversified. They need to be brought to task for these kinds of tactics. They should be punished to the full extent of the law and have their licenses revoked. I have registered disputes with all 3 credit bureaus, XXXX XXXX and have alerted all my creditors. XXXX has already removed the negative report. However, that does not undo the damage already done. It will take months to get the 100 points back. I'm self employed and this makes it next to impossible to run my business. I want these people punished. I'm seriously considering hiring an attorney because there are clear damages. Thank you, I appreciate any help you can offer me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX a late fee of {$38.00} was assessed to my account.

On XX/XX/XXXX a refund of the late fee of {$38.00} was allegedly refunded to my account. 
I was told by XXXX of customer service ( onXX/XX/XXXX ) that I still had to pay the late fee because it was already billed to me ; however, my amount due would ultimately show less in the future, providing I made no more purchases. I have not made a purchase from XXXX 's  stores since XX/XX/XXXX. 

I paid {$92.00} to bring my bill current ( all in the month of XX/XX/XXXX) as instructed by XXXX 's  Credit Card Customer Service Rep, XXXX. 

My monthly notes due had been averaging approx. {$27.00} a month ; however the bill that is due for the month of XX/XX/XXXX is now {$38.00}. When I asked, how XXXX determined that my minimum due is {$38.00}, I was told by the XXXX 's Customer Service Rep that their minimum requirement varies. Although I have not made any additional purchases since XX/XX/XXXX, the minimum amount due XX/XX/XXXX of {$38.00} is the " same amount '' that XXXX XXXX Credit allegedly refunded me. I see this as deceptive and a possible violation of fair trade practices, I am not at all comfortable with using XXXX 's Credit Card Service to do business with them!

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 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: GA

Complaint narrative:
I have had on ongoing problem with EXPERIAN and an account they have on my credit report. The account is XXXX XXXX XXXX # XXXX. I have, on 4 occasions, written them disputing this account and its validity. I have REPEATEDLY asked them ti send me ANY document with MY SIGNATURE on it authorizing this account. They have ignored all requests for this proof and just say information is " verified ''. 
Under the FCRA I'm entitled to see proof, my signature, that this account is valid and mine.

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