vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
defamation of character. 
regions said my XXXX  shows a late clearly from XXXX  paid on time never late

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 2018-10-30 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: TX

Complaint narrative:
defamation of character. 
XXXX  said my XXXX shows a late clearly from transunion paid on time never late

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 2018-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
defamation of character. 
XXXX said my XXXX  shows a late clearly from XXXX paid on time never late

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 2018-10-30 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: TX

Complaint narrative:
defamation of character. 
XXXX said my XXXX shows a late clearly from XXXX paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Dates are on or about XXXX '09, the amount is roughly {$4100.00} and is way past the 7 year time limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2018, I filed a CFPB complaint because 5/3 Bank sent out unsolicited blank checks linked to an old credit card account to my old address, which 5/3 then allowed to be fraudulently signed and cashed by the person at that address. 5/3 Bank has told me that they concluded I DID NOT SIGN the courtesy check. After filing my CFPB complaint, I received a letter from the Office of the President on XX/XX/2018 stating that the balance would be changed to {$0.00} and all fees would be waived. 

Fast forward to today, when applying for a mortgage on a new property, the mortgage broker reported that my credit score was poor and cited my 5/3 credit card account. I checked XXXX XXXX and sure enough, it reported an overdue balance of {$390.00} and was more than 120 days past due. I called 5/3 Bank 's customer service on XX/XX/2018 who confirmed that 5/3 has never followed through with what it promised and has been charging me penalties THIS ENTIRE TIME. In addition, 5/3 Bank has refused to reimburse me for my time in dealing with this problem, and the several hundred dollars in damages I've incurred because my lower credit score affected my interest rate on my current home ( purchased in XX/XX/2018 ). 

In addition, this continued problem is affecting my ability to purchase new property now. I simply can not get a good interest rate and I simply can not wait for 5/3 Bank to correct ( or at least tell me they'll correct since they didn't last time ) this. This is unacceptable. 5/3 Bank should be punished for sending unsolicited checks that can be easily stolen and easily cashed, especially when 5/3 Bank can determine AFTER THE FACT, these checks were fraudulently signed. Once that's done, the damage is done and my credit score is ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank ran maintenance at the end of the month and ran into some sort of problem that they wont elaborate on and now I am unable to get my check direct deposited. I have bills due, we need groceries, and have a large payment due to my sons school and all they say is sorry, it will be 2-3 days until its fixed they also said it may come in the form of a check in the mail so add another few days for that to clear which by then it will be the weekend, so we are looking at a week or so before this is all cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The reason for me filing this dispute with your agency is due to IC System reporting derogatory debt to the collect bureau without first mailing notice to dispute the validity of debt. IC System is in violation of the FDCPA for failing to follow proper procedures.

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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Professional Debt Collections agency has made threatening and harassing phone calls to me, my grandparents, my mother, my boyfriend mother, and my workplace ( the final straw ). They told each person they contacted the alleged " amount '' I owe ( {$1600.00} ).  Also, they asked for ways of contacting me. They even asked for certain spots in the area that I hang out in.This collections agency calls my phone 5 times ( minimum ) per day. So much that I can not even focus on my work. I even had to change my phone number because of this agency for a peace of mind. They also informed me of my other job and threatened to use it against me ( EXTORTION ). I'm contacting a lawyer as soon as possible. However, the time and hassle will interfere with my work-life and the alleged amount owed makes me wonder.. is it worth it. This is ridiculous and obscene.

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 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NC

Complaint narrative:
In XX/XX/2018, I received an email stating I needed to renew my " Income Driven '' repayment plan before XX/XX/2018. I went online, completed application and realized I had check a wrong box ( I could not access my spouse 's income information ) on the application. I called Great Lakes on the same day ( XX/XX/XXXX ) to ask what I needed to do. I was told to just send in my spouse 's most recent pay check stub and they would handle the rest. After that I received 2 emails, one XX/XX/XXXX stated they received my application and the other on XX/XX/XXXX stated my application was approved and that I would received repayment information 45 days before due date. 
I called XX/XX/XXXX because I hadn't received repayment information. I was told I wouldn't be receiving an email for repayment because I didn't have anything to repay. I asked, " why? '' I was told it was because I didn't have any income. I told them this information was incorrect and I sent in my spouse 's pay check stub. Agent responded, " I see, we have that information but we didn't use it for your application '', '' Would you like to have your application recalculated? '' I stated " yes ''. I ended the call but called back to file a complaint. I was basically told they could not change my application and that I had to complete a " married '' application ( basically correcting the information, '' I can not access my spouse 's income information '' ). I asked " why wasn't I contacted if there was an error '' ... '' I sent in a tax return stating I was married and my spouse 's pay check stub ''. Agent stated, " I understand that but your application says you were married but you could not access your spouse 's income ''. 
Now, I am waiting for my spouse 's approval for FSA ID. This process could take 2 to 3 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Troy Capital, LLC
State: PA

Complaint narrative:
A lien has been placed on our home by Troy CapitalXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NV XXXX, ( XXXX ) for someone else 's debt. The lien is for {$1100.00} in the name of XXXX. The loan was originally turned over to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX ( XXXX ) The company admitted to me that the Social Security Numbers for the name do not match, yet they can not remove the lien. 
I am not responsible for this debt. Another person with the same name is. My bank is refusing to process a loan for me for this reason. Help!

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 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CBV Collection Services Ltd.

Complaint narrative:
They call me constantly XX/XX/XXXX they called from XXXXat XXXX, XXXX, XXXX,XXXX, they also called from number XXXX at XXXX, XXXX, XXXX and XXXX. The day before that number called me 9 times and I have several other numbers for them calling me at early morning hours more than 2-3 times an hour. When I took their call they put me on hod to wait for the rep for 15 mins then rep wouldnt speak t me because I wouldnt " verify '' my personal info they have on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX says I have 2 missed payments on my credit report. I have disputed this with the credit bereau and it still remains. I have spoke to the manager at XXXX and he says he do not see any late payments in his system and dont know why it's on my credit report. He is the one that said I should file a dispute and he explained the false report would be removed. After investigation it still remains.

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 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.

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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX filed a judgement against my homestead property in Texas. We have owned and lived in and claimed this home as our homestead since XXXX. The property address is XXXX XXXX XXXX, XXXX, TX XXXX. The judgement Case # XXXX, Instrument # XXXX. This judgement was for an unpaid credit card debt. I acknowledge the debt, however, the judgement should not have been placed on my homestead property. I have been unable to refinance my home due to this judgement. I've tried to work with XXXX and then Capital One ( judgement was sold from XXXX to Capital One ) since XX/XX/XXXX when I discovered the lien. They prepared a partial release but it was never recorded. When we tried to refinance our home in XX/XX/XXXX, I discovered that the release had not been filed. I've been trying to work with them to re-prepare the release and get it re-filed since XX/XX/XXXX but I've had no luck. I most recently spoke with XXXX, XXXX, XXXX and XXXX at XXXX who have all attempted to assist, however, they've been unable to provide either an original release for me to file or have their legal team send the release to the county for recording. I need to refinance my home as I was recently ( XX/XX/XXXX ) laid-off and had to take a job paying considerably less. Capital One is preventing me from doing so and as a result I may lose my home and ruin my credit because I can not pay my bills at my reduced salary. My account # with Capital One is XXXX. I am happy to file the release myself ; I just need them to prepare it and send me the original so that I may do so. Again, I have been trying to resolve this issue since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Relief Center
State: NJ

Complaint narrative:
Received a letter from Debt Relief Center, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stating its the second notice to collect a debt of {$30000.00} at a proposed settlement of {$15000.00}. I issue is I dont owe any debt so this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows. 

As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly. 

I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently. 

The office of the advocate has mistreated me and not responded to me on getting any traction to fix this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX and XXXX after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

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 2018-10-30 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: NC

Complaint narrative:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that Equifax and XXXX  after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX  and Experian after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

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 2018-10-30 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX. 

In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone. 

I submitted my financial statement before it was due and I have stressed to them that I can not pay that. 

Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous. 

I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford. 

I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did. 

This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.

Company response to consumer: Closed with explanation