vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?

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 2018-02-01 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: GA

Complaint narrative:
I had an invoice from a contractor whom I could not meet and who did not accept XXXX and XXXX. I made 2 payments spread over 2 weeks using XXXX XXXX. I was charged XXXX by XXXX for one payment and XXXX for another payment ( totaling around {$220.00} for an invoice for repairs. ) I got my credit card bill and found they charged me {$10.00} for each advance ( as a cash advance fee on top of the money charged by XXXX ) Had it been XXXX, that would not have been the case. 

None of this disclosed during the XXXX checkout process and XXXX XXXX refused to refund the 2 {$10.00} charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WV

Complaint narrative:
I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I cancelled XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items they sold this " account '' to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX In XX/XX/XXXX XXXX XXXX put this nonsense on my credit report, but did not bother to assign it an account number. I can't dispute this without an account number and the length of time it takes for something to fall off of a persons credit report started all over at that time. From what I can tell they can just keep selling this and the new company can just refrain from assigning an account number and I can never fight it. Therefore I will be saddled with this forever. This should be illegal. I am asking for your help with this matter.

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 2018-02-01 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been listed on a store charge account as an authorized user. I contacted the primary account holder to contact the lender to remove me as an authorized user. She contacted the lender on XX/XX/XXXX and the lender process the request to remove my name from the account. I pulled my monthly credit report from my monthly monitoring service ( XXXX  ) today ( XX/XX/XXXX ). This charge account is still listed on my credit report. I have contacted the primary account holder if she can contact the lender and ask for a " courtesy update '' on the correct information to the credit reporting bureaus. The lender advises they are unable to process that request. 

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 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have graduated in 2010 and have struggle finding a career in my field for XXXX XXXX. I owe alittle above $ 40K in loans and I struggled for 8 years trying to figure a better system. Defer and Forb doesn't work in my favor. I have a XXXX XXXX XXXX for nothing when graduating. 

Interest occurs when trying to pay as much as I can. I get garnishment and it sucks not able to achieve living a life being poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: N.A.R., Inc.
State: KS

Complaint narrative:
I would like to make a complaint on XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX  XXXX NY XXXX and an alleged balance of {$1700.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was closed on the date of XX/XX/XXXX and the five years of statutes of limitations for reporting a balance has past in Kansas on XX/XX/XXXX and they are failing to report it accurately with a balance of XXXX. They are also have a debt collection agency called N.A.R try to collect the debt as well. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information on the account longer and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX  circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX F.Supp. XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX  also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: CT

Complaint narrative:
I have told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant

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 2018-02-01 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: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: NC

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

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 2018-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: DISCOVER BANK
State: TX

Complaint narrative:
Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I just discovered the following charges on my credit card from TransUnion : XX/XX/XXXX : {$1.00} ; XX/XX/XXXX : {$19.00} and then recurring charges of {$19.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$80.00} ( as far as I can determine -- I'll need to pore over statements for the entire year to be absolutely certain ). I recall giving my credit card number to TransUnion as part of a " free '' credit check ; I believed it was part of the process used to identify me and had no idea that I was being enrolled in any kind of service that would require a monthly payment ; I have no need for that. What makes me furious ( I'll probably blow up if I call them ) is that : 1. ) They take advantage of people when they are most vulnerable ( I wanted to check my credit score because I was filling out rental applications, needing a place to live quickly, after a cross-country move to be near my aging father ) and 2. ) TransUnion was already called out on this one year ago ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-XXXX-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ ) ; apparently nothing has changed. Embarrassingly enough, this ( from the article link above ) is what I assume happened to me : " Deceiving consumers into enrolling in subscription programs : In their advertising, TransUnion and XXXX falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only {$1.00}. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program. Unless they cancelled during the trial period, consumers were charged a recurring fee usually {$16.00} or more per month. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. '' Thank you in advance for looking into this matter. I really appreciate your time and the service you provide.

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