vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX  ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.

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 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX  to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX  has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''. 

The company never responded to the complaint.

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 2018-10-06 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: MO

Complaint narrative:
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and TransUnion has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted the company who has been reporting the wrong information along with the credit bureaus .... Experian and XXXX  has removed the item but XXXX  has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: HI

Complaint narrative:
On Thursday, XX/XX/2018, I spoke with Navient regarding my private student loans in an attempt to inquire about extending the military deferment due to inability to make payments as a bill of {$1200.00} is showing due on XX/XX/XXXX. I am currently serving on XXXX XXXX and have a total of XXXX years and XXXX  months of XXXX XXXX XXXX. I was informed by a representative that I was no longer eligible for the deferment and the terms of the military deferment have changed where being on XXXX XXXX was not enough to qualify for the deferment.

On Friday, XX/XX/2018, I called Navient again to follow-up regarding this issue and to discuss payment options. I spoke with the representative who informed me that the terms for the deferment were updated in XXXX based on guidance from the Department of Education. Per the representative, Navient updated their terms in XXXX as well. She informed me that all Service Members who had the military deferment applied to their account were not notified and the Service Member would only be informed if they called Navient to renew the deferment. The representative told me that it wasn't prudent for them to inform the borrower and their stance was to allow the Service Member stay in deferment until expiration. Upon expiration, the Service Member would contact Navient to renew and then Navient would inform the borrower of the change in eligibility for the military deferment.

The representative reviewed my account and the military deferment expired in late XXXX, which was less than three weeks away from the payment due date where I have to manage to pay {$1200.00} in less than 10 days in order to keep my account current. I asked about repayment plans and she sent me to the private collection department where it was discussed that I can extend the terms my loans to 30 years with a variable interest rate. Once I agreed to these terms, I would be locked into this for the life of the loans with no other repayment options.

Navient 's lack of notification to the borrower is egregious. Their poor mismanagement does a complete disservice to their customers especially to the military members who are unfortunately borrowers. If they were changing the terms and options for military members, that should have clearly been communicated so the borrower would have more than enough time to devise a financial strategy and plan in preparation for the repayment. We work hard and take great pride in serving in this great country and now we have more added stress to include the financial burden with no additional repayment options to make this easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Saturday XX/XX/2018, I transferred a XXXX payment of {$120.00} to someone that I thought was a friend but found out it was the wrong person. I called my bank to see if there was a way that I could cancel the transaction since it still showed as " processing '' on my mobile Bank of America app. When I spoke to the representative from Bank of America, I was told that it was too late for Bank of America to do anything and that since it was through a third party ( XXXX ), I would have to contact them directly. The representative then told me XXXX was closed and I wouldn't be able to talk to anyone until Tuesday since Monday is a holiday. I then hung up with Bank of America and called XXXX for myself. I was directed back to Bank of America since the transaction was done through the Bank of America mobile app and not the XXXX app.

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 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX   while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX  ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX  attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX  nor XXXX  with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.

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 2018-10-06 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: Finance System of Richmond, Inc.
State: IN

Complaint narrative:
Fiance System has continued to report to XXXX false information in attempts to collect a debt. They have reported numerous accounts that are dated as of XX/XX/2015 from any where to XXXX to XXXX dollars. After speaking to the original creditor they informed me that Medicaid had paid on the account and or they had my Medicaid insurance information.

I have requested numerous times for them to remove thier information that they are reporting and that it is illegal to bill medicaid client for services that they recieved payment on.

Since XX/XX/2015 this has caused me numerous adverse actions and denials of credit, a mortage and a personal loans ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In 2000, I graduated from college with several student loans. As I was looking for a career, I read that if I work as a XXXX in a high poverty, high risk/XXXX XXXX XXXX, I could get partial forgiveness. I worked as a XXXX  for 5 years in a high poverty/high risk, XXXX XXXX XXXX. I filled out the paperwork and had my XXXX sign it. After submitting the application I was declined. When I called to inquire why I was declined, I was given the following explanation. I was declined because I had loans before 2000. I was only eligible for the loans in 2000, therefore they wouldn't grant a partial repayment.

This was not mentioned in any of the paperwork, not even the fine print. The fine print said " I had to be fully employed, at a XXXX XXXX, Spend 90 % of my time with XXXX, at a XXXX that was XXXX XXXX '' Never did it mention that my loans had to be after 2000 to be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for your double rewards card and received a letter to contact the department to verify my application. I called and they asked me several questions and verified me and sent me the card.

I received the card last week on the XX/XX/XXXX. Followed the instructions to activate on-line. Once on-line it alerted me to call the Fraud department. I contacted the Fraud Department on XX/XX/XXXX. They asked me for my phone #, I gave them all # s on my family plan. They said, none of it matched, even though I gave them the phone # on my application. They asked me for the security code on my account which they told mewas correct, they asked me if I had an authorized user and I gave them my sisters name. They then proceeded to ask me if they can verify me at work. I said, Im retired. They then said I could not verify me and will send me a verification letter. This took 3 phone calls and about an hour.

I received the letter that was dated on XX/XX/18 today, XX/XX/XXXX. I called the fraud department back. They proceeded to ask for my security code, which I gave them, asked me who else was the authorized user. They asked me for the Verification code on the letter, which I gave. They said, its insuffecient. The proceeded to ask me for phone # s which they could not verify, the phone # is on my application. They then said, we will call you back. They called me back on another # which is my sisters # since we are on a family plan. Of course, she did not answer. I then listened to the message left. The message was call the number at the back of the card. I called the # and we proceeded to repeat the above. I gave them the the number and let them know that i received 2 messages to confirm my identity. I was then told me that it was not sufficient and that I would be receiving another letter with a verification pin. This took 5 calls and over an hour only not to get anything resolved.

I can appreciate the process in verifying identity. However, I was already verified the first time using my actual # when I applied. They call me on my sisters # thats on my credit report. Then when I call back and give them these # s, they tell me they cant verify me when they pulled this # from my credit report because I never gave them that #.

The credit Card is onmy credit report, but I cant use it. It has been very frustrating as I am being contacted to be verified on these phone # s that they looked up themselves, leave a message and when I call back they then tell me, its incorrect. Ive given them my account secret code, Ive given them 1 credit Card that Im using and my mortgage line and that is still not enough.

I would appreciate some assistance. Please e-mail me or call me so I can activate my card.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sir : I've been trying all dat today to close my Capital One 360 account and still no progress. I'm writing you because the customer service staff are giving me the run-around, transferring me, then I stat on hold. I've also written an email today. When I tried to go to customer service links or to certain links within my profile account, I keep getting silly little messages stating that Capital One site is having problems then it was the browser, etc! It really seems to me as there is a game being played on me & trying to stall me for some reason.

I only have XXXX in the account! Geez XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I currently have an auto loan with JP Morgan Chase and I have automatic payments setup with them. I received a notice from the bank that my auto loan is delinquent for the XXXX and XX/XX/2018 installments. I called the bank on XX/XX/2018 and advised that I have automatic payments setup and that my account should not be in default. The representative then explained to me that the bank experienced system issues with automatic payment system which resulted in my XXXX and XXXX payments to not be drafted. I then paid the amounts due by authorizing a phone payment in the amount of {$780.00}. I did not think much of the credit reporting impacts as they advised that they had payment system issues. I thought that since they made the error, that it would not impact my credit. 

My husband and I recently applied to refinance our home. While going through the refinance process, it was brought to my attention that my auto loan reflected a 30 day delinquency in my credit report. I further investigated the matter by pulling my credit report with the 3 credit agencies. XXXX and XXXX did not report any delinquency but showed a lapse in payment for XX/XX/2018. XXXX   reported my XX/XX/2018 payment as 30 days late. I am attaching copies of my credit report, payment transaction history from my checking account and a screen shot of my chase online banking settings confirming that I have automatic payments setup. 

I do not believe that Chase has treated me nor other customers affected by their payment system issue fairly. I also believe that this is an FCRA violation. The bank made an error which resulted in non-payment and reported my account 30 days late. The bank should have done the right thing and ensured that they were proactive and corrected any negative credit reporting that stemmed from their payment system issue. My credit report should not be penalized due to this bank error.

Company response to consumer: Closed with non-monetary relief