vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: AL

Complaint narrative:
I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, XXXX, and experian remove this from my report as soon as possible.

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 2018-07-05 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginningXX/XX/XXXX-XX/XX/XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXXbeginning XX/XX/XXXX-XX/XX/XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements.

Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter.

XXXX 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 2018-07-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My credit card is issued by USAA ... I also have it linked to my checking account for overdraft protection.. .. 

MY MISTAKE .. {$1900.00} taken out on XX/XX/XXXX .... I immediately paid the monies back to the bank very next day XXXX I also made sure to make my required payment. AND made sure there were no new charges or overdrafts ... 

I have 0 % balance on monies already on the card. Each month afterwards they have been applying about 40 % of any ADDITIONAL payments I make to the 18.6 % credit balance and NOT the entire extra payments. This has lead me to be charged interest each subsequent month. I have called in about this several times to no avail. 

I do NOT make extra charges against the account. NOT getting more overdrafts and my extra payments are several $ 100s of dollars In fact XXXX extra payment totaled {$900.00} and XXXX payment total {$2000.00}. I called USAA XXXX months in a row. Asked them if they understood The Credit Card Accountability, Responsibility and Disclosure Act of 2009 and that my extra payments are supposed to go towards the highest payment amount. Was told that only a portion has to go towards highest interest as long as I had a balance on the card .. even though that balance is 0 %. They are aware am not making any new charges! 

I gave them a chance to correct the problem and was told that they will continue to split my EXTRA monthly payments as they see fit. Requesting this stop and ALL interest be refunded back to me. Have been instructed by the USAA Agent that my account has been noted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed a dispute with Experian as they have greatly reduced my credit score due to a voluntary surrender on a mortgage loan that was awarded to my ex husband in our divorce in 2009. I NEVER signed anything voluntarily surrendering the home back to XXXX and in fact tried my best to stop that process and without my signature and proper notification they repossessed and sold the home against my will. I do not feel it is proper for them to report on MY credit report that I voluntarily surrendered the 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 2018-07-05 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has an paid off collection account showing on my XXXX Credit report and this item has been previously paid off by my Doctors office. The item should have never been put into collections originally due to financial assistance programs I am on through the state. I myself have sent the paid invoices to XXXX XXXX XXXX and they agreed to remove the information from my credit reports with other bureaus, ( XXXX, XXXX  ) but the only report that still shows any collections owed months later are on my XXXX  credit report for 2 separate bills of {$110.00}. {$220.00} total! I really just want these 2 bills to be removed from ALL of my credit reports once since they have been PAID IN FULL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CA

Complaint narrative:
I'm unable to remember the dates at this time but my issue is regarding the customer service of the Navient company. I saw a law suit due to the same issues I was having and I wanted to make sure I'm included in the class action. I had a 10 year repayment plan on my loans. During the first few years I called them and changed my payment to a higher amount ( because I was able to pay more ). When the time came that I couldn't pay the high payment anymore, I called them trying to lower it back to the approved minimum payment but they refused saying I don't have the right to lower my payment. The folks I spoke to ( and their supervisors ) seem to not understand my rights or even maintain basic math skills. It was a very frustrating period of time and I refinanced to use a different company but my wife is still stuck with them and we're trying to finish her debt so we don't have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: UT

Complaint narrative:
As mentioned in the previous complaint filed with you, complaint number XXXX filed on XX/XX/XXXX, Navient has been mishandling my loan. They did adjust my loan a tiny amount but it is still extremely incorrect. Most of the payments made since XXXX have zero applied to principle. They have applied all to interest. After my last complaint, it was adjusted slightly, so random payments show different amounts applied to principle. It was not every payment and not consistent. I have paid massive interest on this account and if navient has its way I will be paying until the day I die. I am attaching the most recent copy of my loans from their website so you can see this craziness. Also, I was charged interest for the years my loan was in chapter XXXX bankruptcy. I did supply proof to the company that my student loans were included in this bankrupcty. I was to pay the courts directly from payroll deduction each month and they distributed funds. On my records from the courts XXXX would be paid to student loans. My case was converted to chapter XXXX in XXXX when my husband was not working. I appreciate you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a line of home equity credit with Wells Fargo. 
My borrowed amount is approx, 13,000..they have added XXXX overdraft protextion. 
I now owe XXXX I want to pay off the loan and I feel the final payment is extortion. 
I was never explained the over draft policy. Wells fargo has opened up an a second checking with out my consent.. They withdraw XXXX and add it to the bill..please help me!

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 2018-07-05 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: NC

Complaint narrative:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by XXXX XXXX and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XXXX beginning XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XXXX beginning XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter. 
XXXX 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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I attempted to log in to my Chase account. I received a message saying that my account was suspended. I contacted the bank and they told me my account was being closed and that I would have to wait for 10 days for my account to be closed and that they would mail me a check. I was not notified that my account would be closing and I have no access to my funds. I also had money transferred to my account in the amount of {$800.00} that was also held up that is needed for bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: IL

Complaint narrative:
I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: FL

Complaint narrative:
The XXXX XXXX credit card account ending in XXXX was charged off and sold to XXXXXXXX XXXX XXXX. Then sold to XXXX XXXX. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX  balance with XXXX today, XX/XX/18. 
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website. 
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX. 
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did. 
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up. 
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe. 
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX   those numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof. 

This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA. 
Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 

If you send it, I want tracking number of the mail, or any kind of tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have the XXXX XXXX and it need my capital one bank statement and it won't let it pop up. I need that information. For the app to see so i can get my loan For rent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I have had a long running dispute with SunTrust on a modification I entered into in XX/XX/XXXX. 

SunTrust has sought to foreclose and I have vigorously objected to the action. 

I have been blocked from the mortgage payment website for over a year. 

I received a letter from Suntrust in early XX/XX/XXXX ( to be attached ). 

I called SunTrust to find a workout as outlined in the letter but was informed that they can't talk to me. I want to save my home and SunTrust isn't helping me workout a settlement.

I believe SunTrust isn't sincere or truthful about the workout scenario by their own letter and that they haven't called back or replied in 2 weeks.

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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
i am unaware of the debt that is on my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Over the last 3 days I have received calls from my ex-wife, her mother, and her sister stating that an American Express representative was contacting them to collect a debt which I understand is against the law. They are not allowed to divulge why they are trying to get in touch with me. Not only is this defamation of character with are also contacting individuals I'm not even related to. I would like to stop immediately or I'm going to take legal action and I figured this was the best route initially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.

Company response to consumer: Closed with explanation