vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to do this?

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 2017-04-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed the dispute on  XXXX / XXXX / XXXX  with Equifax and against   XXXX   XXXX   XXXX   The  XXXX  accounts were closed and derogatory when I filed for my car loan on  XXXX / XXXX / XXXX . The loan  officer  told me to dispute them. I filed a dispute and they immediately opened the  two  accounts showing a balance that reflects 97 % credit card debt and non payments. Thes e two accounts were discharged i n bankruptcy in  XXXX . They should show included in bankruptcy with no balance and should not be reflected in my current credit or credit score. This is so unfair and against the law. So no I would have to wait 30 days and my creditors think I 'm a deadbeat.   This is what I faxed  Equifax- RE  : Dispute -Please see the attached paperwork. You are not reporting the two   XXXX    accounts correctly. They were included in my bankruptcy in  XXXX  and they were discharged on  XXXX / XXXX / XXXX . I sent you this proof on other occasions with other accounts when trying to purchase my house and filed disputes.   I applied for a car loan with RCB bank on  XXXX / XXXX / XXXX . My interest rate was based on my credit score. On  XXXX  I accessed my credit and the loan officer showed me where you were reporting the following  XXXX  target counts as delinquent and closed. This is wrong, and incorrect reporting is against  Federal Law.  On  XXXX / XXXX / XXXX , I filed a dispute online with Equifax stating these accounts were  discharged  and stating they need removed or show  XXXX  balance and included in bankruptcy. On  XXXX  in the evening hours, after filing this dispute, my credit score went down by  XXXX  and reflected this debt as credit card debt with balances of  XXXX  and  XXXX .   Please correct this now or I will file a complaint with the Consumer Financial Protection Bureau. I am protected by the Fair Credit Reporting Act. It is agains t Federal law and you have cost me money. I am required to give you a chance to fix this before I file the Federal  complaint and get an Attorney.   I would like a response asap and for you to take immediate action to rectify this situation. I am paying 11 % interest on a used car loan due to your incompetency.   Please notify   XXXX   XXXX   XXXX   they are not reporting correctly and to cease these unfair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I contacted the debt collection agency regarding loans that went to collection after continuously requesting and being approved for deferments and did n't understand what was going on. Since I have contacted the Dept of EXucation to find out what exactly is going on because the people at the collection agency was able to provide an adequate response. After contacting them they have called at minimum 9 times a day at minimum and I just do n't believe they should.be able to contact me as much when I 've explicitly explained the situation and I am attempting to rectify the 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 2017-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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:
I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since  XXXX   XXXX ,  2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.

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 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
My wife and I wanted to travel to  XXXX ,  XXXX  for  XXXX  of   XXXX  . My wife is Peruvian and all of her family is there brothers, sisters, mother, and father which she has n't seen for many years. So we decided to plan a trip myself, wife and my daughter for the holidays. A mutual friend recommended a travel agent she has used once. Thi s Travel  agent lives in  XXXX ,  XXXX  the reason we decided to go with her because she found tplane ticket for a very good price especially for during the Holidays I was surprised she got them so cheap. Anyway we went ahead with the purchase and used a company called  XXXX  which is owned by  XXXX . I sent {$590.00} from my account and my wife sent {$1400.00} totaling {$2000.00}. What happened is just horrible first we never received any plane tickets and did n't travel my wife was very upset and sad by this as was I. So we began to contact the travel agent and she never responded we called by phone, or  XXXX , and also  XXXX  we tried many ways to communicate but we got no response. So I put in a claim with my bank Chase and they told me they ca n't because I would have to go af ter Xoom, So I did I followed all the procedures that Xoom requested and they investigate  d  for about  XXXX  days and they denied my claim of fraud their reason is because I authorized the charge well of course I had to authorize the charge in order to receive a product worst customer service they do not care about you or what happened. I called  XXXX  many times and all I get is getting put on hold for hours on end most times I could n't sit on the phone so long because no one would pick up. I asked xoom to give me their main corporate office and they said they have no phone number to give me. So I called  XXXX  because they own them and they are just as bad as xoom kept on hold and the run around. So I decided to call my bank  XXXX  to get more info and  XXXX  told me to go after the bank they used for the transaction which is  XXXX   XXXX  Bank so I did I am taking them to small claims court to try and get my money back. We worked so hard and long saved what we can to make this trip and just to hear from thes e four major companies and not one wants to return our money is very frustrating and exhausting especially for me a stay at home dad taking care of my daughter with medical issues on top of that having to run after these companies and hearing lie after lie. I have followed all the procedure that they requested even went to the Police Department to file a complaint and it 's still not good enough. All we want is our money returned to us by either Xoom ,  XXXX , or  XXXX   XXXX   XX/XX/XXXX .

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 2017-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MD

Complaint narrative:
I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
This information within this complaint is new and material evidence : As to complaints #  XXXX , and #  XXXX , your answers to the CFPB, a Federal agency, you answered complaint, by stating  XXXX  reviewed the payment reconciliation and determined a payment of {$6900.00} was received on  XXXX   XXXX ,  XXXX . This payment was applied as the  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX    monthly payments of {$1100.00} each. The next payment we received after the above application was on  XXXX   XXXX ,  XXXX , for {$1100.00}, and was applied as the   XXXX   XXXX    monthly payment.     According to documentation I received, from the  XXXX  of Pennsylvania  (  please view attached ), there are major discrepancies, in regards to the amount of monies dispersed, in comparison to your actual documentation. The amount paid to you, from the PA  XXXX   XXXX   XXXX , was {$6600.00} (  XXXX ,   XXXX   XXXX  , and  XXXX   XXXX   XXXX   ). This hereby means there is a missing payment of at least {$280.00} (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Please compare my included attachments with your previously sworn statement to the CFPB, an agency of th e US G overnment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have Tried to get transunion to get this bankruptcy off my transunion report due to this not being mine and its being reported incorrectly, Transunion has always told me that it was verified by the courts them selves which is a lie due to me calling and asking the Court Clerk to see how they verify bankruptcy 's and the Clerk told me that they dont give out any of that information so right there it cant be verified by the original creditor which is the Bankruptcy  XXXX  and for another thing why would someone file bankruptcy if their liabilty is  XXXX  and the  XXXX  amount was  XXXX  also so there is never a person that is going to file a bankruptcy court case if they dont have any debts so Again I am asking for Transunion to Get rid of this bankruptcy off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: MN

Complaint narrative:
Between  XXXX  and  XXXX    XXXX   I mad e five calls  to Navient customer service attempting to set up a loan repayment plan. Each time I asked about income based repayment I was told I would be transferred to the appropriate person but was transferred to the collections department. They would then tell me I was ineligible for income based repayment unless I was in collections. I would call back and get different information from another representative telling me I could apply but not until  XXXX . In  XXXX  I again was sent t o the collections department three times and spoke to at least six people about a repayment plan that was not > {$300.00} per month. I was fina lly able to set up an income based repayment plan and was told that my monthly payment would cover interest only and would be {$130.00} per month. Since repayment began in  XXXX  my monthly amount has increased twice, going up by {$10.00} in a few months. I was informed that my payment would be the same each mo nth for two years. I do not want to try again with Navient because it is   extremely aggravating to call and get sent to various people, none of whom give the same information. I can not afford for my payment to continue increasing by unknown amounts each month. I began this repayment plan to avoid exactly what 's happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: UT

Complaint narrative:
In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Reporting to credit XX/XX/2017, Negative impact to my credit by credit collection services. I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts XX/XX/2017, no valid response recieved

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: KS

Complaint narrative:
Everyone they agree to temporarily stop my payments I never receive the paperwork promised and they continue to hurt my credit. I 've requested the paperwork on  4 d ifferent occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number  XXXX   XXXX   XXXX   XXXX   XXXX  account number  XXXX  and  other a ccount number is  XXXX  .And they have been try to same account number but change the number.This have been going on for over ten years or more

Company response to consumer: Closed with explanation