vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: CO

Complaint narrative:
I have had issues with XXXX for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

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 2017-10-27 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: CO

Complaint narrative:
I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have monthly payment arrangement with Navient for the amount of {$120.00}. Yesterday my account was overdrawn due to Navient 's attempt to withdraw {$240.00}. I contacted the Navient 's customer service and they stated my monthly charges have increased. I informed agency that I never authorized these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well.
XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX  XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I have had an auto loan with BMW financial services for approximately 1.5 years. Recently I have tried to pay my car off by making large online payments. I tried to make a payment larger than {$7500.00} and their system prevents you from making payments in a one month period for more than {$7500.00}. Obviously this is a way for the company to delay you paying off your car, in order, to charge more interest.
I called a representative to discuss this and they said not even a supervisor can lift the {$7500.00} per month payment restriction. I have owned many cars and I have to say I have never heard of such a thing.
Recently to bypass the $ XXXX/month online payment restriction, I mailed in two checks. One for {$1000.00} and one for a much larger amount at the same time on the same day at the same post office. The smaller check for {$1000.00} they cashed. The larger check however they still havent cashed a week later. Again, to delay payoff of my vehicle so they can charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or XXXX verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is delaying my request for an investigation by means of multiple requests for identification ( # XXXX ) that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see ACCOUNTS XXXX ***XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX****XXXXXX/XX/XXXX{$260.00} ****XXXX  XX/XX/XXXX {$57000.00} ****XXXXXX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX ****XXXX  XX/XX/XXXX{$54.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$130.00}

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 2017-10-27 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: FL

Complaint narrative:
Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The original creditor : Car Care One attempted to charge me for some unknown service many years ago. I disputed with the company about this false charge stating to them they had no proof of me ever authorizing such a charge, and requested that they some me proof. They could not. The matter seemed dropped. This was approximately 6-8 years ago. This is, and always has been, a false charge. I have no paperwork from this company. They never sent any. 
The issuing bank : GE Moneybank Apparently they have dug this up and sold this false charge to the collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They never contacted me all these years. Now the erroneous charge is nearly doubled with interest. 
The original amount : {$600.00} Interest : {$500.00} for the total of {$1100.00} It was a fraudulent charge then, it 's a fraudulent charge now. Again, they could not provide any proof that I ok 'd this charge for an unknown service. 
I have no contact information for either Car Care One nor GE Moneybank

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 2017-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN website or customer service will not allow me to dispute a XXXX   medical bill. 

As of XX/XX/2017, theres a 180-day waiting period  before unpaid medical debts I cant even post comments to explain my situation

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 2017-10-27 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: TX

Complaint narrative:
On XX/XX/XXXXI got a copy of my credit report and notice information, such as SSN, address ( s )  and credit account listed on the report that are not mine. Shortly after review the information I contact the XXXX XXXX XXXX and they provided me guidance on how to address the issue. Therefore, I sent a letter to the Equifax indicating that my credit report has someone else 's on my credit report. I mailed the letter on XX/XX/XXXX to inform them of the inaccurate information. I have yet to receive a response regarding the letter or a copy of my credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CA

Complaint narrative:
I use to have a credit card with XXXX XXXX XXXX .They have been reporting for several years that I was late on payments which I was not.I paid the account off in full and they are reporting it as a charge off.After 2 years of trying to work with them and a Verbal agreement that they would remove the damaging " Charged off '' status..They have not. 
I demand that they remove the charge off from my credit reports.The account is at a XXXX  balance and this is constantly damaging my FICO score.

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Concerning XXXX CitiBank credit card. I paid the balance on my credit card account in full in XXXX XXXX. CitiBank proceeded to charge me {$0.00} minimum interest in XXXX, then charged fees every month thereafter without notification. 

After contacting CitiBank to close the account, they refused.

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 2017-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. 

- I wanted to open a new business checking account online - I submitted my application and uploaded my passport info ( see attached ) - I then got a email asking for Articles of Incorporation, etc ( which is perfectly fine ) ; these were to be due on or before XXXX/XXXX/XXXX - I have been traveling and was going to submit by XXXX XXXX - I have 2 credit cards over 10 years old with CapitalOne in perfect standing - I received a cryptic email from CapitalOne ( see attached ) " denying '' me the ability to open a business checking account ( NO explanation as to " why '' ). It stated : Weve carefully reviewed your application, as well as individual and business reports from third party sources. Unfortunately, we cant complete your request at this time. '' - I called them and stated your email references " business reports '' What business reports? I just opened the corporation a few days earlier. I also stated I had not had a chance to upload the remaining documents yet as it is not XXXX/XXXX/XXXX yet. They stated that has nothing to do with it. I was denied and they were not going to tell me why. 

- I asked for them to provide me the REASONS why this was denied. They stated they did not have to. I stated per FCRA I have a right to know if what you are viewing is accurate. They said this is a not a line of credit. I stated exactly ... .it 's just a plane old bank account. My credit is stellar and I do not have a track record of business yet transactions yet ... ... so WHAT was the reason for the denial? They refused to share. I stated how can I be sure there is not an error in what you are looking at if I can not verify what you are viewing is accurate. They stated too bad. 

- I feel I am being discriminated against - All I simply want is either the SPECIFIC reason as to why I was denied or a copy of the report ( s ) they used to make their decision, and I can not for the life of me understand what the issue is. I have NEVER had any issues with any banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: FL

Complaint narrative:
I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

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 2017-10-27 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: FL

Complaint narrative:
I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

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