vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been in correspondence with Experian for the past three months regarding inaccuracies and errors that i believe are fraud. I have aked that these items be removed

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 2018-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35. 

Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}. 

I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details. 

To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.

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 2018-03-15 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: FL

Complaint narrative:
I recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called last year to cancel and pay off all accounts with XXXX XXXX, and they failed to tell me about two other accounts that i had with them. When I called back today i found out they were now charging my account 30 % interest and i asked them to immediately cancel my credit card and to pay off all of my accounts with them. I now found out that there is another account that they still have failed to tell me about ... ... from my junk emails ... ... they are doing this on purpose to give a false sense of security and meanwhile literally XXXX the consumer. 

what is the us gov't going to do about this?

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 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today XX/XX/XXXX I tried to connect to my capital one account from XXXX  in an effort to transfer my crypto funds to my capital one account in dollars. Capital one is blocking access

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My mother has a credit card with XXXX  XXXX and I have been an authorized user for years. When I go to view my credit report XXXX has my XXXX  XXXX card information as well as the card I'm an authorized user on however Transunion does not. I contacted transunion and was told to call XXXX XXXX. My mom called XXXX  XXXX and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact transunion. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.

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 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I'm being called by XXXX XXXX daily on two accounts that were my father 's and he is now XXXX. I have given them this information. My father and I have the same name, and I have no idea how they received my phone number, and why they feel the need to call me. There was no estate, and I received no inheritance to pay any of his debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
in XX/XX/XXXX i enrolled in a debt relief program which included this loan. i was not happy with how the program was going and stopped being enrolled in the program sometime in XXXX ( around the summer time ). At no time was i contacted by lending club by phone, email or mail to make payment arrangements to pay off the outstanding loan. On XX/XX/XXXX, I recieved a phone call from XXXX XXXX XXXX in reference to this loan stating they are looking to set up a payment plan. i advised them i currently enrolled in a debt management program and provided them with the phone number. i contacted the program i am currently enrolled the next day to inquire if they contacted them, they had not. i contacted XXXX XXXX XXXX again they stated the number was not working, i once again provided the phone again. bare in mind the number i provided to XXXX is the same number i have been using to contact the debt mang company and there have been no issues. I spoke with my debt mang company on XX/XX/XXXX and there are still no communitcations with XXXX or Lending Club. Also this account has posted to my credit report under as a collections account although no efforts had been made previously from XXXX XXXX or XXXX XXXX XXXX prior to XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I have been locked out of my account since XX/XX/XXXX. The login screen says it needs " new device conformation '' and will send an new email with a link to verify. The email never arrives so I remain locked out of my account. I have spoken to Coinbase support on the phone and they said my account is in good standing with no red flags. They said they can not figure out what is wrong and have escalated my account to a specialist. It should take more than 24 hours to unlock someone's account. This matter should of been fixed on the first phone call. 


COINBASE CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I obtained a credit report for the purpose of taking out a mortgage on XX/XX/XXXX, I was notified that I have two late payments reporting from American Honda Finance in XX/XX/XXXX and XX/XX/XXXX. This surprised me since I set up automatic payments with American Honda Finance. I have tried multiple times to discuss this with them to have this corrected. I have fallen on deaf ears. This greatly impacts my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX has sold my debt, or has hired, Direct Recovery Services. This collection company has been contacting one of my co-workers at my place of employment. I am not sure how they got his contact information. They are the type that call from different phone numbers. Today I called them back on the number that they left on my co-workers ' voice mail : XXXX XXXX XXXX XXXX. I told them that they were contacting a third party about this debt and requested that they remove his phone number from their system and also asked them to stop contacting me at work. The other number that they have left on my co-workers voicemail before is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT. 
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX  BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO. 
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I enrolled at XXXX XXXX based on lies that the enrollment person said to me. First off, I was lied to about the loan process and how many loans I would have. I was told I would have 1 private loan and 1 Federal loan. I ended up having 9 different loans. 3 Private and 6 Federal. I was also lied to about credits transferring to other schools. None of my credits can transfer. I have called 4 or 5 different schools and none of them will accept XXXX XXXX credits. I was enrolled from XXXX to XXXX. I did complete my degree but have been told many times that the degree isn't worth the paper it is printed on. I am lost and have no idea what to do. I was lied to from the get go. My loans have grown from {$40000.00} to $ 60,000+. I am currently paying on the Federal loans through an IBR which has been a struggle from time to time. I'm not rich and I live week to week like most folks do. At first the payment was around {$54.00} a month for the first year. The next year it went up to {$140.00}. And now the payment is {$360.00}. I can't afford this at all. I am paying on a degree that is worth nothing. I have had other folks that I attended XXXX XXXX with and they have somehow had their loans discharged completely. When I contact Navient I get told that they can not discharge the loans. I really need help. I have started contacting Lawyers to find out my options based on being taken advantage of and lied to by the school and the loan provider. I went through a job interview and the gentleman was looking over my resume and laughed because I attended XXXX XXXX. He said that it was a school built on lies and that the degree isn't worth anything. And in all my research it is true. No school will accept it and I have been told that I will have to start from scratch again to obtain another XXXX degree.Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: IL

Complaint narrative:
I am having a difficulty in having a bankruptcy removed from my Experian Credit Bureau Credit Report. 
They are indicating that the information on the report has been Verified. On the report it indicates that the report was furnished by the District Court. 
None of this information is accurate because the Court has indicated to me through a letter that they do not furnish information to any Credit Bureaus. 
What I know is that the credit bureau gets its information from a third party, XXXX which sells the information to them. XXXX being a " for profit '' company. 
Therefore, the information which Experian is reporting is not accurate as well as false information. This is a clear violation of the Fair Credit Reporting Act. 
I have sent multiple letters, on XX/XX/XXXX and on XX/XX/XXXX The company continues to maintain their position that the report has been Verified.

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 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan was managed by XXXX which I made payments to regularly. And since a week ago a campaign of annoying calls not leaving messages, from unidentifiable sources and not explaining the reasons of the harrasing calls for hours a Day were made by a company Called Navient or XXXX, I called them and they are asking me to pay them further more threatening me with collection and legal lawsuit, for what they claim is a XXXX dollars payment. 

Not only this sound like a scam, all my automatic payments are set to my loan providers in file, I have never been informed of any new loan provider and I have let them know they need to properly have the old loan provide to inform in writing who the new loan service provider are. 
How would it be possible to identify who your student loan providers are when they pass it around without care. 
My loan provider was my bank XXXX XXXX whom we have business with the reason we sought a loan with them to abound the endless scamming that goes around when one is only trying to study and improve one life. 

Please set an example against this predatory and hassaring behavioir for once. 

Should you require further information please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!

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 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I noticed on my 3 credit reports that a debt that was included in a bankruptcy CH XXXX ) was being reported on the 3 bureaus. I reached out to the company Receivables Management concerning this, asking for them to validation this was indeed my debt and requiring them to provide me competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. They responded by sending me a copy of a bill, with out my signature or any evidence linking this to me. I watched my credit reports to see if per Federal and State Laws they commented that this account was in dispute within 30 days of them being notified ( they did not ). I then sent them another letter advising them of this on XX/XX/XXXX and again on XX/XX/XXXX no response as of this date,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have been trying to pay down my student loan debt however, I believe my payments are being misapplied and more interest and fees are being charged than should be. Last year, I paid an extra {$16000.00} on top of my regular monthly payment, however my XXXX from Navient stated that I paid {$17000.00} in interest for the year, which is a {$3300.00} increase over the previous year of {$14000.00}. When I inquired about the difference, I was told that I paid {$13000.00} in accrued interest, {$3100.00} in capitalized interest, and {$900.00} in origination fees. If I paid that much extra, I do not understand why/how I paid any capitalized interest? Navient claims that all payments go to pay interest first. I do not believe that an EXTRA {$16000.00} didn't pay the outstanding interest. I also do not understand why there is any origination fees. Origination fees are charged at the beginning of a loan to cover the cost to process the loan. Why, 8 years later, am I still being charged an origination fee? The other issue I have is with 2 extra payments I've made recently. I scheduled a payment of {$4000.00} to post on XX/XX/18. I have a confirmation and screenshot from Navient confirming the payment was to be made on XX/XX/18. However, the payment was not posted to my account until XX/XX/18. It was one day later than I requested, but Navient still listed it on their website as being paid on XX/XX/18. The same thing happened on an payment of {$5400.00} that I scheduled for XX/XX/18. The amount did not post until XX/XX/18, but they listed it as being paid XX/XX/18. My monthly payment is automatically deducted from my account, and Navient doesn't seem to have a problem posting it on the correct date. I realize this is one day 's interest, however with how this company has dealt with my account, one day 's interest means a lot. I'm sure this has occurred on previous extra payments as well, but I just caught on to this issue. I am trying to be responsible and pay off my debt, but I feel that Navient is making it impossible and punishing me for doing so at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I just ran a credit report and found I have had a credit line with XXXX  for the last 11 months. 

I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. 

You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed ASAP.

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