vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 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: Penn Credit Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by 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 explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: NC

Complaint narrative:
This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
They suddenly came back and re-charged me for all of my previous purchases on my debit card, resulting in being charged twice for every single one. Since XX/XX/XXXX, I have purchased exactly {$500.00} worth from Coinbase using my XXXX debit card. You will see in the screenshots, that I was charged a total of {$2000.00} within the past 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: AES/PHEAA
State: CA

Complaint narrative:
As in my previous complaint, briefly, XXXX XXXX inappropriately removed my loans from repayment program and sent them to full repayment in XX/XX/XXXX. They subsequently debited {$4000.00} from my account without warning. They capitalized {$15000.00} in interest in XX/XX/XXXX and again capitalized {$40000.00} in interest in XX/XX/XXXX. After many complaints from myself and my Congresswoman as well as a formal apology letter from the Department of Education, they finally admitted their wrongdoing however did not reverse their financial mistakes. They always claim they are going to reverse my capitalized interest and that they need 90 days to do this, however, they have been saying this since XX/XX/XXXX and it is now XX/XX/XXXX. In my last complaint, they also provided me with incorrect documentation regarding my Public Service Loan Forgiveness eligibility. Below are my current complaints : 1.  They need to actually reverse my capitalized interest and show me documentation of not only the removal of that interest from my principle but also the removal of any inappropriately compounded interest due to that capitalization. 
2. They need to recalculate my PSLF qualifying payments. Every payment for every loan was a qualifying payment and any payments that currently are marked as ineligible are marked as such due to ERRORS MADE BY XXXX XXXX. I am not to be held responsible for their errors nor will I jeopardize the {$500000.00} of loan forgiveness at stake because of XXXX 's incompetence. They need to account for every one of my loan payments to ensure it is credited toward my PSLF payments. 
3. The XX/XX/XXXX payment did not occur because as I documented in many past correspondences ( and they have acknowledged this and apologized for this ), I was unable to view my loans or set up a payment profile on their website from XX/XX/XXXX to XX/XX/XXXX, during which time I was unable to make a payment due to their errors. They acknowledged they would address this, however in the attached administrative forbearance documents they did not include this date in the administrative forbearance period. As such, that payment is listed as a missed payment ( incorrectly ). 

XXXX MUST be held responsible for these errors. I am at risk of having to pay back an enormous amount of money at the end of my 10 years of XXXX XXXX work due to XXXX numerous and continued errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: TX

Complaint narrative:
I HAVE A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it again

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 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.

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 2018-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

Company response to consumer: Closed with explanation