vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 disputed information on my Experian Credit Report regarding showing  XXXX  different debts for the same account. My account was closed with  XXXX  's in  XXXX   XXXX  and transferred to  XXXX   XXXX . The balance due when closed was  XXXX  Experian has continued to show a past due on the account up to  XXXX   XXXX . Furthermore, I explained that. In a recent dispute I explained that the debt had been settled for {$260.00}. Experian has updated the report to the account as " charged off {$520.00} written off. {$260.00} past due. '' The account with   XXXX   XXXX   as been settled for {$260.00}.

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 2017-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: VA

Complaint narrative:
This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Delinquent on account due to husband losing job and only my income to support a famil y   of 3. Honda fina nce company called references and disclosed information they should n't have. A reference should not know that they are being called in reference to someone 's debt. I had called them later and set up payment arrangement for  XXXX ,  XXXX , and  XXXX . When I called to ask them not to call my references, rep advised me that they would continue when they could not get a hold of me. I advised her that if I ask her not to call she should notgoing forward. Instead of listening rep was argumentative the entire time even though I had previously made arrangements and then told me " well you are driving around in a car you are not paying for and we need to know where our car is ''. I asked rep if they had a centralized complaint line so the I could voice my concern but she said no. They are a huge company, very surprised they do not have a department that services complaints or compliments. Everything I said to the rep, she had to counter with something and made me feel like my vehicle with the subtle comments she made. Today  XXXX / XXXX /  XXXX  , I have again received another call  from Honda ev en though I have payment arrangements set up on my account for  XXXX  when I get paid. I have saved the voicemail and am looking in to contacting an attorney as in the voicemail that is also generic and does n't list my name, the rep asked for a callback so I can let her know my intentions with my vehicle. That to me is another subtle hint of reposse ssion from Honda. I h ave had  XXXX  loans with  Honda  but after this loan I will not do business with them ever again and will not refer them to anyone either. I feel that they are violating the Fdcpa. Also if listening from just rep end, you would n't have realized that I said up arrangements on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}

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 2017-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX   XXXX  PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid a settlement t o Synchrony Financial  on  XXXX   XXXX ,  2017 for a V  alue City Cr edit card they handle. The payment was for an amount {$380.00} which should have settled the balance leave me owing nothing. I have confirmation both that the payment was sufficient for them to consider the balance settled and of the payment itself. On  XXXX   XXXX ,    2017 Synchrony  mailed me a statement reflecting the payment of {$380.00} but showing a balance of {$770.00} and a minimum payment due of {$73.00}. I called Synchrony today  XXXX   XXXX  , 2017 a nd after speaking with several people including someone off shore named  XXXX  and supervisor named  XXXX  here in the United States I was told that my account was under a review period and that it " should be '' settled in 30 days. It is unacceptable that after confirmation of this being considered paid in full that they are now telling me it is under review and I am still receiving bills.

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 2017-05-11 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: Receivables Management Corporation
State: MI

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , my husband received a voice message on his cell phone from a woman called  XXXX  from a company identifying itself as  RMC.  When I called the number back ( their number  XXXX   ),   they stated that they are a reputable debt collector. I said that I was not aware of any outstanding debt I owed and that I had not received any mailings through the  USPS regard ing any outstanding debt. They insisted that they could not tell me who their client was or what the alleged debt was that I owed until they positively confirmed my identity by me providing at least the last  XXXX  digits of my social security number or my whole social security number and my date of birth. When I refused to give them any additional personal identifying information without more information about the alleged debt, they said they could be sued if they did not positively identify me first before giving out any debt information. They were very insistent and said they were documenting my refusal to provide this information ; they intimated that my credit record could be damaged. I told them they could mail me regarding any alleged debt, and they said I had already been mailed and that I was now turned over for collections. I gave them my current address and said they could mail anything regarding this alleged debt to me. However, they kept insisting that all previous mailings had gone unanswered, and I was now in debt collection status. I finally had to hang u p. One other RMC phone  number that was provided in the voice message to my husband was  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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but   XXXX   will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows  : 1.       XXXX  {$2200.00}  2.      XXXX  {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: NJ

Complaint narrative:
I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but  XXXX  will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00}  2.    XXXX  {$5400.00}

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
this month of  XXXX     2017 i ha ve several small charges and a refund f rom Amazon. the bank  and coustomer service deny the going ons ... i belive it to  be a 3rd  party.   XXXX   my bank is filing for fraud .  XXXX   XXXX    2017.     XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX   XXXX   duplicate charge on account. called to dispute told it would be credited back to account. Monday   XXXX   XXXX   no credit in account. Called again and given a credit of  XX/XX/XXXX  Woke up Wed   XXXX   XXXX   the credit for   XXXX    vanished without a trace, there was no record it ever went in or came out at all, and I received a letter dated    XXXX   XXXX     stating that the credit had been given and " If we decide the charges were correct, we 'll let you know before we reverse the credit. '' Chase bank did not let me know before they reversed the credit and bounced  XX/XX/XXXX  checks I wrote to the state   XX/XX/XXXX   which could have caused me criminal charges for passing bad c hecks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Sent Equifax a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any  or one, I would  like it removed immediately. Equifax has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In  XXXX  of    2015 I h ad to open a Care Credit account for dental work. At the time I opened the account I requested that they process an automatic draft for monthly minimum payment of {$55.00}. Every month I had to mail in a payment because they failed to do so. I have now been charged late fees and they refuse to set of auto drafts until the accou nt is current. I am a Senior Citizen o n a fixed income and I do not have the extra funds to bring the account current. I feel the payments were late due to their failure to start the drafts in a timely fashion.

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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a modification wit h US Ba nk, and I was denied because it was stated that we needed to be in the home for  one y ear. We have been working with the lender since  XXXX   XXXX ,   XXXX  . During the process, I was sent a package, and began working with a housin g counselor.  At no time was I told I would not qualify for a program because I had not been in the home for a year. We were considering a repayment plan, but the schedule and the new mortgage payment would have been too much to handle. We continued to work with  US B ank, and on  XXXX  we received an acknowledgement letter for the modification request. Again, it is confusing that we would receive an acknowledgement letter regarding a modification when the denial states they could not offer this to us. Since we have moved into this property, we have had water bills that exceeded hundreds of dollars. We had to file a complaint to resolve the last bill of {$700.00}. There has been an increase in expenses due to this unexpected bill, which inevitably was in error. We have not been credited back for the previous amounts that were paid. We continue to fall behind and need some resolution to help us become current with the mortgage

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