vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My original student loan servicer was sallie Mae i has been put on an interest only repayment program while trying to purchase a home from XXXX. Navient became my Lon servicer and began to defer my loan from XXXX student assistance corporation would call me and offer deferment as best option and never fully explained options. In XXXX of 2017 i was Contacted by XXXX XXXX  telling me i qualified For a student loan repayment program. If i made Eight payments of XXXX  dollars they would put my loan in good standing. I did not complete the program or fill out paperwork from them. They asked for my information and filled out paperwork for a consolidation loan i found out about later. After this happened my loan balance increased by XXXX dollars. My account history shows a lob payment of XXXX and new balance of XXXX. There are duplicate interest charges each month and there is no record of any paperwork or loan details form the school or original lender. Lon history is also different for each loan. In attempts to acquire Loan history and terms i have Been unsuccessful only being told they do not have any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: IN

Complaint narrative:
I already submitted one complaint, however I didnt send you supporting documents with the complaint. Here are the questions that I have to answer that are incorrect/wrong. I have spoke to Equifax customer service and informed them that the questions that are being asked are incorrect/wrong and I have no clue to where they got them and why I am being asked these questions. I also told them that there has to be a better way to verify a persons identity. Can you attach these pics to my first complaint please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XX/XX/XXXX - Auto accident and vehicle impounded XXXX - Impound lot notified Santander of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or Santander. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold Santander failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: PA

Complaint narrative:
I have tried several times to speak with them through email and the woman that replied and refuses to respond to any messages or answer any questions.. calling direct express over the phone proves to be difficult ... I still have transactions that I did not make them because she's ignoring my messages more Time is passing and I won't be able to dispute these charges if I wait any longer ... The last set of disputes that I did I never got a letter I got one letter stating that they didn't see no error. Yet the charge was made in XXXX all of their letters always state that they see no errors. I'm now speaking with a supervisor XXXX i'm still getting nowhere. 
I can only speak through email because I am mute. It is better for me that I can explain myself what's going on ... can someone please take the time to speak to me through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA credit card payment department deduct my payment twice without my authorization, and they reluctant to credit back the extra amount ( {$460.00} ) back to my credit card account. Instead they insist they only do check or to my BBVA checking account if I had one. But I have my family member also being taken payment twice from BBVA without authorization, and BBVA credit back that amount to his BBVA credit card account. 
BBVA credit card department took money from my bank account without my authorization and they did not explain what went wrong in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims been made by any creditor regarding this account. 
4. Any Judgments obtained by any creditor regarding this account. 
5. Name and address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a charge-off with american express for approximately {$16000.00}. I settled this debt and agreed to pay {$4000.00} to settle it in full. I proceeded to make the payment. American Express has now only credited my account {$4000.00} and has not reported it as settled with the credit bureau. They are now reporting that i still owe {$12000.00}!!!! 

I have uploaded the settlement agreement that was faxed to me along with their receipt of payment. It took them a couple days of send me the confirmation of payment received. My payment was processed on the day the settlement paper agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: TX

Complaint narrative:
I am a victim of identity theft. I have requested for Equifax to investigate an existing fraudulent account on my credit report. I have supplied all 3 Credit Reporting agencies with a copy of my police report requesting for fraudulent activity to be removed. Equifax has failed to comply with my request. I've written a letter stating that company XXXX XXXX  does not belong to me and therefore should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/2019. My phone was hacked by an 800 phone number XXXX found on XXXX thinking it for XXXX  costumer service when I needed help to cancel a transaction I sent to a friend through XXXX. But unfortunately they hacked my account by taking my name, phone number and the device am using to access XXXX  and {$1200.00} was stolen through XXXX  XXXX. I called XXXX  but XXXX says they can not accept my claim because my phone was used on XX/XX/XXXX to access XXXX  so they have no evidence that I didnt authorized those transactions. I have explain to them several times that I didnt authorized any payment and my phone was hacked because they people ask me what phone am using, and I didnt know anything so I told them the device. But XXXX still dont want to help me trace my money. At this point I know they wont help. They are aware that people are using their app to scam people in the app but they have ignored and dont do anything about it. I need help getting my money back because I didnt authorized any transaction and dont know these people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
the car loan from XXXX XXXX XXXX was paid in full on XX/XX/2019. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EQUIFAX, INC.
State: CO

Complaint narrative:
the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

XXXX # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
So over the past month or so both my interest checking and access checking accounts have been somehow overdrafting to insane portions and fees stacked high almost as soon as I get it to XXXX. Hitting my with three fees over the coming days

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have done all 3 credit bureaus " debt validation " which was a joke!. 
I want verified debt history of this collection account with notarized documentation of portfolio recovery associates ownership. AND PAYMENT HISTORY. 
FCRA & FDCPA VIOLATION! 
THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I tried filing a dispute on Equifax website. Took me a few different times trying to access my free report and finally it gave me an error message stating they needed me to call them direct in order to verify my info. After I called and verified my info they were able to start my dispute over the phone. I explained I needed help with gaining access to their website so I could keep track on my own the process and final results of the investigation. I was told at that time there was no one who monitored the website to help me gain access ( Which what was offered on the error page ). They disputed EVERYTHING on my report even my car payments that I make each month that did not require nor did I want disputed. Today I received an email that the investigation was complete and I needed to log in and obtain my report. I again tried to log into their site and again was not granted access so I called. They verbally gave me the results but said I needed to pay for my new credit score. I explained I was told on their site that I would receive an updated credit report and score once the investigation was complete. They refused to provide me with my new updated score and stated I needed to pay for the service. I explained to the lady I was told it would be provided directly after the investigation and that I did not feel comfortable paying to use their site that I could not get access to she refused and after I asked to speak to a supervisor she refused to let me speak to one and then transferred me to a survey which disconnected me directly after. Equifax has MY credit file and are responsible for a large portion of my lively hood since credit plays a HUGE factor in my ability to obtain credit based on correct information and score they are responsible of keeping track of. Not allowing me to gain access to that information and denying me my right to have the information is completely unacceptable. No one should hold that much power over me without the right to obtain the information and have access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I pay the. Mortgage the last week of the month. This company starts calling everyday all day after the XXXX. They have no respect for my work when I tell them I'm with a client. I have to hang up on them. I have never missed a monthly payment in the month. Now it's 25 days in I get a letter I'm delinquent and they added additional fees outside of the {$50.00} late fee.rhis This is a strong arm tactic. You can even report until you are over 39 days late. Is this legal when a late fee was established. This is occurring because I don't answer calls. Ic they can just add crazy fees how are individuals protected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I believe the time I lost my purse when I went out of town is when and how they used my personal information fraudulently.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called Captiol One customer service numerous times over a 2 month period and I already submitted a claim to you which is claim number XXXX. 
Since they seem unable to figure out my balance I have included a spreadsheet of all the purchases and all the payments. I also included a print out from XXXX XXXX which statements the money remitted on my behalf to Captiol One. As you can see from this information I have credit balances on both accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX - Auto accident and vehicle impounded XX/XX/XXXX -  Impound lot notified XXXX of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or XXXX. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold XXXX failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.

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 2019-06-27 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: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ SERVICES Contact info for debt collector- XXXX XXXX CT XXXX GA Phone Number ( XXXX ) XXXX Attempting to collect debt for XXXX  XXXX XXXX XXXX Where i lived for 3 years and never late also left on good terms. Used unethical tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have done all 3 credit bureaus " debt validation " which was a joke!.

I want verified debt history of this collection account with notarized documentation of XXXX XXXX XXXX ownership. AND PAYMENT HISTORY.

FCRA & FDCPA VIOLATION!

THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.

Company response to consumer: Closed with explanation