vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX Convergent sent letter stating a debt was owed to XXXX XXXX XXXX   for XXXX.

XXXX XXXX XXXX was bought out by XXXX XXXX. I contacted XXXX XXXX to verify debt. XXXX XXXX verified old debt was valid. Confirmed the amount owned of XXXX They advised I should come in and paid it directly.

XX/XX/18 Paid XXXX XXXX the amount of XXXX ( advised by teller ) Transaction number XXXXXX/XX/2018 XXXX  # XXXX  Called Convergent to inform them of payment and asked what the additional charges were for. They advised interest rates. I requested a break down to confirm and they agreed to email the breakdown.

XX/XX/18 Called Convergent to follow up on the status of email break down. They advised me they had not sent it, and transferred me to have it sent out " XXXX XXXX '' ( refused to provide ID number or reference ) XXXX XXXX advised that is was interest and fee they charged on top of the original debt. He offered to remove the additional charges and not report it to collections if I was able to make the original payment. I agreed that the Orginal payment could, in fact, be taken care of. I provided him with the payment date to XXXX XXXX  and offered to provide transaction number.

He then refused to hold his offer and said that was not proof. I advised him to contact the bank, ( for which he collects for ) he refused. I offered to provide a three-way call, which he refused to.

Debt has been paid, " XXXX XXXX '' is attempting to extort additional fees.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. 

Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Loans and interest was to high didn't understand the terms and conditions of the loan can't repay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: MA

Complaint narrative:
XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part

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 2018-07-18 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: SC

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested validation with these companies and have received NOTHING back! My hardship was 7 years ago and these items should not be listed on my personal credit file, my rights are being violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX  lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards.

ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.

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 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am not receiving the rewards points as advertised on roughly. For some reason they stopped after XXXX. I have made 4 phone calls and sent 4 emails. The Citi bank online chat is never answered, I have tried 7 times. 

They really don't seem capable of figuring out where {$1200.00} worth of points are.

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 2018-07-18 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: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX in XXXX. I took out a {$15000.00} loan with Sallie Mae ( now Navient ). I have been making payments since XXXX averaging at about {$180.00} a month. Because the interest rate is so high on them ( it's broken up into 2 loans ) essentially all of my nearly {$20000.00} have gone towards interest. I have never missed a payment and am always on time, even though looking through the statements I saw they charged me late fees and that is inaccurate. Last year I noticed they stopped charging me. I still made payments hoping it would go straight towards the principle. Turns out it was going mostly to interest. I received an email saying they were going through a lawsuit and figured that was the reason they stopped charging me so I stopped paying it. Now I just found out that my " forbearance '' is ending in 21 days. I never asked for a forbearance. And because I wasn't making payments, my interest rate shot up even more. Accumulatively it is at 23 %. In the past I had called and tried to lower my monthly payments and they denied it. That is the extent of what I've done to pay less on my loan. I know that the lawsuit had to do with cases such as this, where they were doing shady things without people knowing and I am one of them. I have contacted them about it and they said they are " looking into it ''. I don't expect them to do anything seeing as how they are thieves. I need something to be done about this. I shouldn't have to pay higher interest rates because of something they unknowingly did to me. I honestly would like to refinance my loan and get the interest lowered as much as possible ( nothing over 6 % ). Also it's completely unfair that I can't claim this on my taxes because of the type of loan it is. This is ridiculous and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On Monday XX/XX/2019, I made a payment onto my Capitol one venture card through the mobile app. I attempted to pay the minimum payment of {$49.00}, but it went through as the entire balance of the card of {$4900.00}. On the morning of Tuesday XX/XX/2019 I was notified that my checking account was negative {$3300.00}. My balance before that was {$1500.00}. The difference was pulled out of my savings account to make there be sufficient funds for this payment. This payment was not supposed to happen. I am a student with no income and need this money to not only helps me pay for school, but for all my bills. I have talked to no less then five different people at Capitol one, including a manager, who all claim that there is no way for this payment to be reversed. All of the people I have talked to at Bank XXXX XXXX have stated that this claim is ridiculous. They have people make mistakes all the time through the bank and the payment just becomes reversed. XXXX has filed a claim for a charge back to Capitol one to attempt to get my money back. They will give me a credit for the amount I lost within 24 hours. The claim processing time takes around 45 days, but if Capitol one declines to pay back the funds, then the money from XXXX gets taken back, which basically means I can't spend any of it just in case they don't approve the charge back. I'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navient to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: SC

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX Attn :  Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

The 30-day late payment being reported by XXXX XXXX XXXX is inaccurate because I have never paid 30 days late. 

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30 days late. After making 12 timely payments on the XXXX XXXX XXXX XXXX, I upgraded to a XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX of XXXX on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the 30-daXXXX late payment being reported on my credit file by XXXX XXXX XXXX. 

She advised me that they were reporting the 30-day late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX of XXXX on XX/XX/XXXX, to pay off the XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus. 

Below is the account information on the XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date - XX/XX/XXXX XXXX XXXX XXXX XXXX VIN # XXXX Lienholder VT XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-day late pay off and not me. Therefore, XXXX XXXX XXXX should no longer report this inaccurate information to Experian. 

Please correct this accounts inaccurate, negative status of 30 days late, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction. 

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of 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 2018-07-18 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: TX

Complaint narrative:
Experian REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-07-18 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: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
Planet home lending XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX

Company response to consumer: Closed with explanation