vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: MD

Complaint narrative:
On XX/XX/XXXX I mailed my XXXX XXXX XXXX XXXX, OMB No.XXXX to Navient. I was very distressed that when I called to check on the application they said it had not been received. For an entire year I have waited for them to process and I asked them to check the files. I did not receive any answer. In hope of resolving this I went on their website and saw a tab for their Consumer Advocate that was supposed to provide support but it was inoperable. I wrote them a letter on XX/XX/XXXX expressing my frustration at the handling of my case and stated that I would be reporting this to the proper consumer agency. It was my understanding that once the application was received that my payments would be suspended. I have continued to pay {$96.00} for 12 going on 13 months for a total of {$1200.00}. In the meantime I have tried to obtain a copy of the signed form and my school administration did not retain a copy, so I have submitted another request from them. Please help me with this problem. My loan number is XXXX and my maiden name is XXXX which is still on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX, I charged off several accounts with XXXX in XXXX. The company stopped reporting my accounts as charge offs to the credit bureaus in XX/XX/XXXX. However, XXXX started back reporting my accounts as charge offs in XX/XX/XXXX. Also, started reporting duplicate accounts to the credit bureaus in XX/XX/XXXX ; which caused my credit score to drop by over a 100 points. 

I spoke with XXXX XXXX ( XX/XX/XXXX ) Sr Liaison, Credit Executive Office for XXXX XXXX XXXX XXXX XXXX stated, she would address the problems and their actions may have contributed to my scores dropping. 

As of today, the problem still hasnt been fixed. I have duplicate accounts being reported as charge offs and XXXX still reporting my accounts as charge offs from 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 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Nationwide Recovery Systems On a recent review of my credit report I noticed 1 collection amount in the amount of {$650.00} for a medical collection from  Nationwide Recovery Systems. 

On XX/XX/XXXX i sent a debt validation and hipaa authorization validation to the address listed on my credit reprt ( view attached image for address ) On XX/XX/XXXX the letter was refused.

Upon calling the number listed on my credit report on JXX/XX/XXXX the  representative informed me I have multiple accounts with them and that he would not send any validation, he also stated I had the wrong address though the one I have is listed on the collection. He would not give me the correct address and refused to update the account with the credit bureaus with the correct address. On the attachment below you can see only 1 account listed on my credit report so I do not believe the validity of any of these accounts he speaks of. 

He also refused to tell me all the accounts in a manner I could understand, he was speaking way too fast. He told me that they would be reporting all accounts to credit bureaus. I informed him that doing so without letting me validate or accepting my decision request could be a violation of the FDCPA, and the fair credit reporting act. He stated he didn't care, one way or another they'd get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: NC

Complaint narrative:
I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau

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 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Encircle Collections, Inc.
State: WV

Complaint narrative:
I had A burglary at my home resulting in the loss of personal items including birth certificates, social security cards, check books, and money. I recently learned of a check that was written off of the book of checks that were stolen. I contacted the collection agency and told them that I didn't write this check. They have been provided both an FTC affidavit and a police report. Yet they still refuse to remove this fraudulent account from my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: NY

Complaint narrative:
I have a inquiry I did not authorize New Inquiry XX/XX/17 XXXX XXXX A potential creditor, employer or service provider reported that they pulled a copy of you ...

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 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i have a synchrony bank credit card on XXXX. onXX/XX/2018, i went online to pay my monthly bill as i have done ever since i had this account. i checked the box for minimum payment due of {$38.00}. and found out on tuesday XX/XX/2018, that somehow the website errored and put my payment as total balance due of {$1100.00}. by this error occuring they wiped out my entire checking account. i incurred 5 overdraft fees of {$36.00} each, my car payment was returned, my gas bill was returned, my cable bill and another one. i contacted XXXX immediately and was advised to contact synchrony bank, which i did. i demanded they reverse the {$1100.00} charge immediately and was told " unfortunately due to security reasons " they can't do that. they also told me they refused to pay the overdraft fees unless i had my bank fax them " proof ''. i had to go to my bank and get copies of this and faxed it to them. i was told it would take 5 days to send me a check for the {$1100.00} and they would 'try '' to expedite it. i am on social security and this huge error on their part has left me without funds. and incurring late charges now on the bills that the bank returned for insufficient funds.

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested a free copy of my credit report and received it from XXXX XXXX., because I was denied credit from my credit union. What I found was Discover Financial Services has be making 2 inquires a month starting XX/XX/XXXX which has continued until XX/XX/XXXX. I have not authorized any inquires. There should be no companies inquiring into my credit report unless I've submitted an application for credit..The only request I've made for credit was with the XXXX XXXX XXXX XXXX XXXX and that was XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
On XX/XX/18 {$110.00} was taken out of my account from XXXX XXXX without my permission. I did not set up any payment arrangement with XXXX XXXX. 

Taking this money from my account put me in hole financially.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Sent a Police Report to Equifax on XX/XX/2018 as per Equifax Office Of Consumer Affairs. Spoke with XXXX in Office Of Consumer Affairs refused to Dispute inquires due to ID Theft and advised me she would not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is " We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.

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 2018-06-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I used the Experian website to lift a freeze on my credit report on XX/XX/XXXX, and received an online screen confirming the lift and was charged for the temporary lift. On XX/XX/XXXX a creditor reported that they were unable to process a credit request because Experian reported a freeze was intact. Experian provides no way to inquire or resolve the issue.

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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: TX

Complaint narrative:
The company has called me multiple times requesting to speak to a person I do not know. I have let them know they have the wrong number, let them know that I do not know the person, and requested that they stop calling me, remove my number. 

They continued to call. I filed a complaint, they stated they were not aware they had the wrong number, that I had never communicated this to them, but they would stop at that time. 

They are calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have recently received notification that Barclays card is looking to gain a settlement regarding a debt that is not mine. I never authorized a card ( XXXX XXXX ) with Barclays. I also never received a card, bill, or any other notification in the mail regarding an account in my name with Barclays. I was initially contacted by a debt collector after this debt was approximately 6 months past due, however, in conversations with them, I discovered that the address and my birthday listed on the account were incorrect. The information incorrectly listed me at an address in Indiana at that time the card was open when in fact I lived in Illinois. I explained this to the debt collector, however was never given any additional information. I also disputed this with the credit reporting agencies as I have never used this card and never authorized this card. In discussions with the debt collector, I was informed that the card was used and paid on time for several months before the payments stopped. However, I never made any of those charges or any of those payments. I have tried to contact Barclays to gain information regarding the account, including account opening information, statements, and payment information, but have not been able to speak to anyone who is able, or willing, to assist me. As this information is being reported negatively about me on my credit report, without properly notifying me that it could be. I never received any statements in the mail or through an email address, and again this account was not opened by me, had incorrect CIP information which should have triggered this account to not open, and I never signed any information agreeing to a contract between myself and Barclays Card.

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 2018-06-06 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: Rosebud Economic Development Corporation
State: OR

Complaint narrative:
I took out a loan with XXXX for {$800.00}. I made a few payments and then requested to pay the loan off. I received a reply email telling me it would be done and that my payoff was approx {$640.00}. Come payday they took out the {$640.00} and an additional {$440.00} that was the std payment amount. I called them and they said they made an error and after a few hours on the phone they refunded the {$440.00}. Now they are saying the payoff amount was calculated with that final payment and that I still owe them money. Please put a stop to this.

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 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I graduated from the University of XXXX in XX/XX/XXXX. I started receiving emails about this debt in XX/XX/XXXX. I have requested documentation from them but have yet to receive anything showing the accuracy of this debt, the first date of delinquency, etc. They have illegally reaged this debt twice and I have filed disputes each time. Their tactics make this debt seem more recent than it is which will affect my credit into perpetuity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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: Ocwen Financial Corporation
State: CT

Complaint narrative:
I received a notification via XXXX XXXX that my credit score went down so I investigated. 
OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. 
I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. 
I am not in foreclosure and demand resolution. 
I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX  the town of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
I submitted a complaint against Hunter Warfield, for not contacting me and providing the validation letter from the alleged creditor. It is 30 days later, and I still have not received the following notice : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX ) to ( Hunter Warfield ) authorizing ( Hunter Warfield ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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:
IN REGARDS TO : EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX. THERE HAS BEEN A ON GOING PROBLEM IM HAVING WITH EQUIFAX NOT SENDING ME MY RESULTS AS I HAVE REQUESTED VIA USPS MAIL INSTEAD OF SENDING THEM THRU THERE ON LINE SYSTEM IN WHICH HAS ME BLOCKED OUT AND DOES NOT WORK SINCE THE DATA BREACH OCCURED. I HAVE SENT COUNTLESS DISPUTES AND EVEN MADE A SEVERAL PHONE CALLS WITH REPSENTATIVES TO REMOVE AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDLENT AND IS NOT MINES. I AM A VICTIM OF IDENTITY THEFT AND THEY DO NOT DO PROPER INVESTIGATIONS EITHER.

Company response to consumer: Closed with non-monetary relief