vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: AZ

Complaint narrative:
On XX/XX/2018, I sent certified mail to the creditor per the information reported on my credit report ; however that certified mail was returned as not deliverable. So once I received this mail back ; I sent a copy of that returned mail along with a letter explaining this to Transunion on XX/XX/2018 due to inaccurate information being reported. I received their response that they " verified '' the information as accurate without changes.

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a previous complaint on XX/XX/XXXX requesting them to correct my address after several attempts to get this correct. They stated that they updated my information but it is still incorrect. There should only be one address anything else is wrong. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
The collection agency called my employer and went into detail about the loan i took out, the amount on how much was taken out, the dates, everything. Tried to get my employer to pay the debt. I feel this is an invasion of my privacy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Business Card that I had and that was reported on my Credit File in addition to the Business Credit File whom had the primary responsibility to pay. Was paid in full after more than 2 years of on time payments. 
I complain about being in my report as paid and closed, being paid in full in addition to performing as previously said and now appears as closed in a derogatory status after paying in full and more than 2 years of having paid on time as I can see in the last two years of information. 

Paying in full for more than 24 months in a row and closing never means closed derogatory. 

The account was late once in the payment for less than 30 days from the payment date and responsibility the bank that submited the wire to pay from the business account. Was explained to the Capital One Bank and you mark my personal report as closed in a derogatory status when nothing was owed for more than 24 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting erroneously on XXXX, Transunion and XXXX  credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX  has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

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 2018-09-26 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting erroneously on XXXX, XXXX   and Equifax credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XXXX XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XXXX XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). 

The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.

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 2018-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX. 
The callers call me several times a day. My job is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been trying to stay 1 month ahead on my Capital One credit card but they keep charging me a {$25.00} late fee. On XX/XX/2018, they told me that I can't pay ahead because they apply the 2nd payment to the same statement for the month that I had already paid. So, the following month, they charged me a {$25.00} late fee even though I had paid for that month. They told me that all credit card companies do the same. 
Maybe they all need to be investigated and forced to refund those charges to consumers. Just because they all do it doesn't make it legal or ethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: Panhandle-Plains Student Finance Corporation
State: GA

Complaint narrative:
Loan was paid off in 2006. Still appears unpaid. Account begins with XXXX. It was taken off my XXXX XXXX credit report however neither of the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2018 - Received a letter from XXXX XXXX XXXX   which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. 

XX/XX/2018 - Received the same letter as validation for the medical accounts. 

XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. 

XX/XX/2018 - Sent another letter to XXXX XXXX XXXX   stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Checking and Savings account online with the following promotion on XX/XX/18 : ( Open a new checking and savings account in the Citibank Account Package Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
Get {$400.00} deposited to your account! ) I have deposited the money into the accounts on XX/XX/18 and maintained the balance for over 60 days, therefore I fulfilled the requirements on XX/XX/18. 
However, the {$400.00} bonus was not ever credited as of XX/XX/18. ( I noticed that the savings and checking accounts are not linked together in the system, possibly messing up their records ) After numerous calls and online chats ( at least 10 times and 8+hours ), the company opened a case ( # XXXX ) to investigate on XX/XX/18, and then proceeds to tell me to wait 48 hrs for a solution. After 48 hours, I called Citi again, and the Rep proceeded to tell me to wait 45-90 DAYS for a resolution! After this outrageous call, I decided to file the compliant with CFPB.

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 2018-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OK

Complaint narrative:
On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie

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 2018-09-26 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: PR

Complaint narrative:
I submitted complaint number XXXX on XX/XX/2018.  This complaint was answered by Navient and I did not received what I requested. I am requesting a letter of cancelation / payment. I made full payment of the loan and this abusive company still have not provided confirmation that I paid in full the loan. This situation is not acceptable, neither the ridiculous respond they provided, which is basically to call them. I called to a phone provided in Navient latest respond, the number XXXX requested a PIN I don't have. I need to get my letter of cancelation that I had been requested for more than 2 months now after submitting full payment on XX/XX/2018. Who is in charge here, the lawyers of this abusive company or the government, that seems to be not doing anything to put this abusive companies in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial. 

XX/XX/2018 - Received a letter from XXXX  stating that the account has been verified. 

XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account. 

XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oak Tree Financial Inc.
State: IL

Complaint narrative:
This company ( Oak Tree Financial ) tells me I owe a debt from XXXX XXXX. I have never had a XXXX XXXX credit card. This company has my social secrurity number, date of birth, & full name - only thing is not right is they have an address on me from 20 years ago. They say I have a debt of {$6200.00} and that I can settle at {$1900.00} today. I ask them why is this not on my credit report and they say I have to settle with them first before it gets on my report. Their number is ( XXXX ) XXXX they give me a file # XXXX - these people have been harassing me since XXXX and I need help stopping them!! Today XX/XX/XXXX a new number called me on my cell phone ( XXXX ) XXXX they say they are XXXX XXXX XXXX. They want to know if I'll be home so they can serve me court papers. I asked them for what and they say they are not sure they are just to serve papers. So I ask them what address they had and they say it is the address I was at 20 years ago.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt,  notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified. 

XXXX XXXX XXXX failed to notify me in any way. 

NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT. 

SO, XXXX  XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION. 

There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated. 

You put this in my credit report on XX/XX/2018. Your 5 days are GONE. 

So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT. 

YOU BROKE THE LAW!

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 2018-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In XX/XX/XXXX - I contacted Navient regarding the status of my account. The representative informed me that it was past due and suggested I applied for an income driven repayment plan. I did as he suggested, over the phone with him, and we didn't disconnect until it was successfully submitted. He stated he would take care of the past due and bring my account back to good standing. At this point, nothing negatively had been reported to the credit bureau.

XX/XX/XXXX, I called in because my credit score dropped XXXX points. This was reported to the bureau on XX/XX/XXXX. The status of my account had been changed, according to the credit bureau, and my Navient balance had gone up nearly {$10000.00} over a 2 month period. I've been out of school for almost 5 years, this has never happened before! Neither was this explained that this was going to happen or that's in depth, what he was doing that day ( XX/XX/XXXX).

The representative stated that no later than XX/XX/XXXX my account would be updated and it'll return to as it was. I was furious because I informed him that I should've been on an income repayment plan by that point. I logged into Navient.com while on the phone with him and sent the proof that I'd successfully completed the documents while on the phone with the representative in XX/XX/XXXX. That means that in XX/XX/XXXX, my account status should've changed from " forbearance '' ( although I had no knowledge thats what it was under ) to " Income Driven Repayment '' ... They had not processed the application. 2 months, and they had not processed the application!

So XX/XX/XXXX, after speaking with him and he reassured me everything was fine, I got an email XX/XX/XXXX that my " Income Driven Repayment '' plan had been approved and in full effect. This was my second time doing so.

I called in today, XX/XX/XXXX, and was told that upon them fixing the error, the status of my account would go into past due. How can my account leave " IDR '' plan, to a past due status all because of them?! I'd be forced to make the payment. This is totally unfair, their error, their scamming, and no one to aid me. Please help me with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
OPENED SECURED CREDIT CARD PAYED ON IT EVERY MONTH AND ONE MONTH REPORTED 30 DAYS LATE HAD NO BALANCE SO DID NOT MAKE PAYMENT THAT MONTH THEY SAID I OWED EVEN IF DIDNT HAVE BALANCE NOT FAIR JUST TRYING TO LIVE ONE DAY AT A TIME THANKS

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 2018-09-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
WALMART CREDIT CARD Issued a credit card on my name without my autorization and reported to the 3 credit bureaus damaging my credit.They never talk to me about this card and I never disclosed my social security number to them. 

My son only request a user card for me, but did not mean they had access to my credit without autorization or responsable for this accounts either. This credit card has lower my scores dramatically. ( XXXX points ) from my last credit report. 

Last night I went to monitor my credit ( XX/XX/2018 ) with my bank ID alert and I was in shock with this issue. My son call Walmart customer service last night and today XX/XX/2018 ) to removed me from his accounts and fixed that error with the credit bureaus. 

Walmart never should issue a card without autorization of person involved, even if it is additional 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 non-monetary relief
Consumer complaint received 2018-09-26 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:
I am filling a Complaint against XXXX XXXX XXXX for InCorrect marks on my credit file This car was total loss XX/XX/18 and I had full coverage insurance the insurance paid them They received a check from the insurance company and I do not have access to this car the car is not in my possession the car is in XXXX XXXX possession and they have reported to Equifax I have not made a payment on a car I No longer have this is fraudulent information being reported on my report this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.

Company response to consumer: Closed with explanation