vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so usi ng the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com r equested I fill out a paper request and  send in the US m ail along with documents proving I was who I said I was (  copy of  XXXX , D river 's License, pay stub ). All   XXXX   credit agencies  ( Equifax,  XXXX , and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in.   XXXX   finally gave me my credit report  after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports through  the US mail, I was able t o dispute online that same address. But now, with Equifax, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of  XXXX  items that they required to prove my identity,  XXXX  of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent Equifax extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a   XXXX   XXXX   and understand the security checks necessary to prevent ID theft, but sending sensitive do cuments three t imes is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On  XXXX   XXXX ,  2017  I wrote a dispute letter in regards to an {$890.00}  XXXX  co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on  XXXX   XXXX  according t o USPS.   <P/>   XXXX   XXXX   XXXX   XXXX    In  the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to  XXXX  around 5 years ago clearing the debt I had with them. I recently called  XXXX  and they told me they  have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to 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 explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Interest Smart Home Loans
State: NM

Complaint narrative:
Many residents in our neighborhood are being inundated with mortgage refinance offers by out of state firms. When I agreed to allow Interest Smart to pull my credit report to see what rate/benefits I would qualify for, I was told the pull would not be a 'hard ' pull, which defines inquiries that remain on XXXX 's report for 2 years and affects credit scores. As it turns out, my current mortgage is best for me and no services from Interest Smart were needed. 

In contradiction to what the mortgage officer 's assistant XXXX told me, when I received a credit report copy, it disclosed not XXXX, but XXXX hard pulls that will stay on my record for 2 years and potentially affect my credit score. On XXXX XXXX, I remitted an email to loan officer XXXX requesting these inquiries be adjusted to XXXX 'soft ' inquiry ( those that do NOT affect credit score that most existing creditors, employers and insurance companies utilize ). To date, I have not received a response from anyone at Interest Smart. 

As you know, most seniors experience a significant reduction in income upon retirement, so it is critically important that unnecessary and unwarranted 'hard ' credit inquires be limited in event of potential future mortgage needs.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a medical bill in collections through Allied Business Services in XXXX, MI. I used their website to set up a payment plan for the amount for a 6-month period. When you do this, it asks you to select the date that you want the payments withdrawn from your bank account on a pop-up calendar. I chose the XX/XX/XXXX of the month. After doing that you hit the submit button and a confirmation schedule comes up on your screen for the split amount and the dates that it will be withdrawn from your account ( ex. X/XX/17,  X/XX/17, etc ). Instead of taking the money out of my account on the XX/XX/XXXX, they took it out of my account on the XX/XX/XXXX causing me to be overdrawn. I chose the XX/XX/XXXX of the month purposely because I get paid on the XX/XX/XXXX. When I called, they said that it 's probably my bank pulling the money on the XX/XX/XXXX and not the XX/XX/XXXX, which does n't even make sense. I requested to be transferred to another person and she refused to refund me the {$64.00} overdraft fee because she said there was no error, and I had authorized the system to take the money from my account. Their system is faulty and pulling the money when it should n't be, and I do n't think it 's right that they can do that when I authorized it to be withdrawn on the XX/XX/XXXX.  They owe me the {$64.00} for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX 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 2017-06-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I contacted the debt company over a year ago to find out what they were trying to collect on and they said it was Care credit which I paid back in  XXXX  or  XXXX . I contacted care credit and they said I had a  XXXX  balance and I said I needed paperwork from them for proof for the debt collector. I never received it and eventually moved. I never heard from the debt collector again so I figured it was squared away, but it 's still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
i 've asked how many days in the billing cycle ending  XXXX   XXXX  ( this would be  XXXX   )  you said they vary..i know this tell me exactly how many days in the billing cycle  XXXX    XXXX    XXXX    XXXX   how much applied to interest ... how much applied to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to 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 2017-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Acceptance Inc.
State: NC

Complaint narrative:
United Acceptance is claiming that I owe them for a vehicle loan, when the Contract clearly states that I did not enter the contract with United Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using the website XXXX. They could not verify my identity, so XXXX requested I fill out a paper request and send in the US mail along with documents proving I was who I said I was ( copy of XXXX, Driver 's License, pay stub ). All three credit agencies ( XXXX, XXXX, and Transunion ) separately asked AGAIN for the same identifying info to be sent in. XXXX finally gave me my credit report after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day. With TransUnion, once I received my reports through the US mail, I was able to dispute online that same address. But now, with XXXX, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of three items that they required to prove my identity, one of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent XXXX extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitive documents three times is ridiculous. How can the three credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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 2017-06-14 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: IL

Complaint narrative:
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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