vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a letter from Equifax stating account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe 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 2018-01-17 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: PR

Complaint narrative:
OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: PR

Complaint narrative:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 2018-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.

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 2018-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: NY

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Coinbase arbitrarily locks me out of my account on all devices, I fill in correct email, password, and 2FA code and they say that I was selected to have to click an email verification link. 

They do not send the email. 

Tried 10 times, no email, tried on my computer, same problem XX/XX/XXXX Same problem, no response from Coinbase support, ethereum prices tanking, I am unable to buy more I strongly suspect they locked me out because I buy every time it dips and suspect they have done this systematically to accounts like mine to assist them in manipulating markets and further tanking prices to scare newer investors out of their holdings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX Called American Express to get an account number for Delta Gold Card. Account was closed in XX/XX/XXXX at my request due to annual fee and high interest rate. 
Joined a debt management program in XX/XX/XXXX and wanted to include the Delta Gold Card - American ExpressXXXX was told by consultant that card number could not be given over the phone and she would have a supervisor return my call. No call was received. 
Called again in the month of XXXX and was told I was given incorrect information and that the only way I could get the account number is if the account is reinstated and I would have to reapply. I did. Account was not reopen, not surprised because they knew I wanted to add it to a debt management program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I ordered some items from the XXXX XXXX catalogue never received the items I ordered contacted XXXX XXXX letting them know I never received the items then in found they reported it on my credit reports they told me they would take care of it and never did

Company response to consumer: Untimely response
Consumer complaint received 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello- I have had an auto loan with XXXX XXXX XXXX for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, XXXX has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.

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 2018-01-17 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: VA

Complaint narrative:
I keep getting loophold about loan foregiveness. I have been paying my loan for over 16 years, worked at the correct XXXX, etc. my balance is still too high and I am about done. Navient is shady at best and unethical is collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
cra harassment phone call not mine no knowledge of account wells fargo XXXX from wells 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 2018-01-17 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: IL

Complaint narrative:
A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: FL

Complaint narrative:
Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from 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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.

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