vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90  days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX 2017 I received an email with a promotion from Capital One. I entered my information on the application and was instantly approved for a {$300.00} and {$3000.00} credit limit. Both cards were shipped out on XXXX XXXX, 2017. When I received the cards and tried to activate them I was told that I had to verify my identity which I did by providing a bank statement that was requested from me. The restriction on my card was then lifted which I have the voicemail from Capital One fraud dept telling my that my cards are good to go and I can now use them. That same day I tried to charge groceries and my card was declined. I was embarrassed to say the least. When I called the fraud dept back I was told that I should of never received the cards because several people had mistakenly received the same offer and that my cards were cancelled. I feel that was discriminatory because my credit is my credit regardless of what anyone else was offered. I reapplied like they told me I could and was denied quickly because I already had a pending or previous application with them. I would like to know how does my credit get me approved with a promotion and denied without the promotion? Who are they marketing this promotion to? what demographic of people. I am a very hard working father, husband and grandfather and being declined at the grocery store caused me to be humiliated in front of the entire store. I was just told the same day that my card is available for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a student loan from XXXX XXXX from XXXX, School : XXXX XXXX XXXX, XXXX PA. XXXX XXXX is no longer in business and my loan is now serviced by NAVIENT . In XXXX of XXXX I contacted Navient because I was having trouble making my loan payment. The first thing they did was ask me if I wanted to make a payment that was very high, I believe around {$200.00} which was significantly higher than my regular payment. When I explained the situation, I was offered one or two choices, a brief deferment or a new program, income based repayment. I was not told I had any other options. I was placed in the income based repayment program, ( REPAYE ) program as of XX/XX/XXXX. After being in the program for several months I was made aware that at the time I accepted the program they offered, I was qualified for hundreds of other programs, including loan forgiveness AT THAT TIME. Navient did not disclose this to me and stuck me in a program that has reset my 20 year forgiveness date to zero, which means the loan amount will continue to accrue interest and will be XXXX years old when I am eligible for loan forgiveness again, so for a student loan from XXXX, I will now be eligible for loan forgiveness in XX/XX/XXXXwith XXXX knows how much more accrued interest. If this is n't a crime, it should be. When I called regarding my discovery, I was told I was no longer eligible for loan forgiveness because I " chose '' the income based repayment program and my 20 years were now reset to another 20 years. I was also told, " We were n't required to tell you that you were eligible for loan forgiveness. '' If this is not a crime, it should be. Navient has grossly deceitful and probably unlawful business practices in place. I should have been made aware of all of my options, especially the ones that were most beneficial to me as the debtor who has never defaulted on my loan and continue to repay my student loan in good faith to the best of my ability for 22 years and counting. The fact that the original loan amount was {$6000.00} and is now almost {$19000.00} is criminal and compounded by Navients ' failure to disclose my options other than the ones most beneficial to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: SC

Complaint narrative:
On XXXX XXXX, 2017, I sent a HIPAA validation letter to Receivable Recovery to validate a debt that they alleged I owed for XXXX XXXX. I asked them to provide proof of the debt and validation of my signature giving this provider permission to release my medical information to them. They in turn responding with a generic " patient ledger '' that included my daughter 's name, some charges, and procedure codes ( HIPAA violation ). This is not validation, as they could not provide proof of my  signature giving the provider permission to release my personal protected health information to them. I sent a second certified letter on X/XX/2017 requesting proof of my signature and that if they could not provide me with this validation that they would need to stop reporting this debt to all three credit bureaus. My second letter advised that they had 15 days to respond from the date of receipt of my letter, which they did not. I sent this letter certified and I have attached proof of both letters and a screenshot showing where the second letter was received on X/XX/2017. They still have yet to respond my second letter, which proves they do not have adequate proof to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX UNITED COLLECTION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear UNITED COLLECTION Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that UNITED COLLECTION send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by UNITED COLLECTION to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following name and addresses are reported incorrectly on my credit report and are putting me at risk for identity theft or a credit merge. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
So I gave up after challenging this collection debt attempt through the credit agencies last year. The debt started as a court ordered debt and quickly went into collections after being late on the first payment. It got sold to credit bureau associates right away and now there is an extra debt on my record not related to the first debt. So I show two collection debts from this company regarding the first debt. I know this because they came on the credit report the same day. It continues to grow every month so the debt appears new every month though it is now three years old. I would need the extra debt removed. The XXXX is the extra debt. The XXXX is the wrong amount too of what I really owe. I have not received anything in writing but that it was correct from the credit bureaus. No backup documentation was sent to me. I believe this is false and for the damage it has caused me from preventing me to get credit, I would want the whole debt forgiven. This has taken so much time away from life I ca n't get back. Can I collect for that from CB Associates?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I applied to recast my loan with Nationstar mortgage. I completed all the forms and have a copy of my new monthly payment. Nationstar appeared to have applied the money towards the principal instead of recasting the loan thus my monthly payment has not been lowered. The customer service supervisor told me it was a different department and could do nothing, she gave me an e mail address and told me to try that. I am still waiting for a response. In the meantime I am getting calls stating my payment is over due even though I am current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a simple Mortgage loan, principal and interest only.The issue I have has been going on for years with Compass Bank. Every month when I take my mortgage payment into the bank, they process it incorrectly. I always pay extra principal as I indicate on the coupon ( coupon filled out correctly ). The following month I will receive that months coupon, and the amount due is lower the amount I paid extra the previous month. Sometimes they just keep adding up the extra principal amount and never apply it and then will deduct it later from a payment. One month I had no payment ( I paid anyway ). They never apply my extra principal amount to the principal, they apply it towards a future payment as they choose. I have gotten a payment history twice ( both different ) and had my CPA due the math to prove Compass Bank is ripping me off in the thousands of dollars so far. I have lots of paper work to back up my claim. I have tried to work with the bank and they claim no wrong doing. Because of the contract papers I am not allowed to use an attorney in my defense. I assume Compass Bank is ripping off thousands of people with no worries and no body can touch them. Just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Blue Brick Financial LLC
State: UT

Complaint narrative:
Received an advertisement in the mail from this lender that is obviously not true and not in compliance with full disclosure. They are advertising NO CLOSING COSTS. This advertisement is misleading and false, because the closing costs are built in to a higher interest rate. The consumer is still paying closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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:
XXXX credit reporting is showing 2 collections on the reports for my account.
Experian is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would XXXX be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.

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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: UT

Complaint narrative:
On XXXX XXXX, 2017 I applied for a XXXX XXXX position with XXXX XXXX XXXX XXXX XXXX in XXXX, Utah and told the HR Manager that I did have XXXX XXXX from 9 years ago. On XXXX XXXX, 2017 I received my background report from GSI ( General Information Services ) and on the report they had listed my charge as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on page 3 ) which is the correct charge but on page 2 under grading results they had grouped it with XXXX XXXX. I immediately filled out the dispute form stating that no where in my record was there anything close to XXXX. On XXXX XXXX, 2017 I spoke with XXXX XXXX about the dispute and she told me that there was nothing GSI could do about the grading results, she said that XXXX groups like charges together. I told her that the charges were n't even in the same category and that I wanted it removed immediately, to me this is defamation of character. She basically told me that it did n't matter that I and XXXX 's were the only ones that would see this, I still told her that this was unacceptable and that it was sent on GSI 's company letterhead and so therefore I would hold GSI responsible. On XXXX XXXX, 2017 I received another letter from GSI stating that they had not changed anything on my report. I can understand not getting the job due to the charge but I refuse to have my charge grouped in with anything like XXXX. I feel that if they did this to me they are doing this to others and it 's not right. I have contacted several agencies and they agreed that I needed to file a complaint. I sent all of my court papers to GSI in my dispute letter and feel that they are responsible of a gross injustice by grouping the charges where they are so different. I believe that they should be held legally responsible for defamation of character and they need to be investigated for false reporting and should n't be allowed to group such different charges together. I take ownership of my past but refuse to have anyone accuse me of something such as XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX 2015 : I contacted USAA checking dept. and requested bank statements from my checking account. Unknown to me, the statements were available as saved documents on the USAA website. The customer service rep. did not inform me that the statements were available to me and said that there would be a charge for researching and copying the statements and a charge for mailing them out to me. Without knowing and not being told by the customer service rep that I already had full access to the statements that I was requesting, I reluctantly agreed to having USAA charge me to provide the statements for my checking account. XX/X/2015 : I was charged {$1000.00} for a " research and photocopy '' fee. XX/X/2015 : I was charged an " expedited '' mailing fee. XX/X/2015 : I was charged an additional {$120.00} for a " research and photocopy '' fee. After seeing the amounts of the automatic withdrawals from my checking account, I contacted USAA customer service and asked why the fee was so large. The customer service rep told me that they did not know why I was charged because all of the statements that I had requested, were available for me to view AT NO COST on my USAA website and was sorry that the previous customer service rep was wrong in not telling me this fact. I immediately asked for a full refund of the funds that were automatically taken from my checking account and was told that USAA would not return the funds. This is the ultimate in deceit and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation