vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my 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 2018-03-29 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: NV

Complaint narrative:
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX XXXX Experian will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my 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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE. After first dispute, company sent me a bill verifying a debt owned to XXXX. Sending a bill does not validate that I owe XXXX XXXX anything. I do not have a signed contract between myself and XXXX XXXX. I have a right to be provided with proof of a signed contract or I would like the debt removed from my 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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. 

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 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.

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 2018-03-29 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: CO

Complaint narrative:
I enrolled in the Income Based Repayment ( IBR or IDR ) on XX/XX/XXXX based on XXXX XXXX advice to have up to {$17000.00} of loans forgiven under the XXXX loan forgiveness program and a future opportunity for Public Service Loan Forgiveness ( PSLF ). Ive maintained employment with Title I public schools in an effort to obtain XXXX loan forgiveness after 5 years, yet now that Im finishing my XXXX year in XXXX XXXX I have been told if I take the XXXX  loan forgiveness, I will not be able to count any of the qualifying 60 payments towards PSLF. 

Ultimately, I decided to stay XXXX for a full 5 years at a XXXX XXXX institution after learning about the loan forgiveness options from my lenders. XXXX XXXX and Navient advised me to continue with IDR toward XXXX  loan forgiveness, but I never would have stayed employed with a public school if I had known about this discrepancy. My career decisions were directly related to how I was advised and counseled on my loan repayment options. I worked at XXXX XXXX XXXX for XXXX consecutive years thinking all along that I would have an opportunity for partial teacher loan forgiveness at the end, only to be told if I take that relief I will have to start 10 years of PSLF payments all over again. 

I now find myself in a payment plan known as the J-payment. Technically, this still falls under the IDR plan, but I never officially knew about my plan until XX/XX/XXXX. I fall into this category because my IDR plan lapsed on XX/XX/XXXX, and I defaulted to this new plan. This is just one example of how I have been misguided over the years and placed into various plans without adequate explanation. 


XX/XX/XXXX beginning of income driven repayment XX/XX/XXXX IBR plan submitted again ( not fully advised on what this meant for future payments or loan duration ) XX/XX/XXXX officially put into J-payment XX/XX/XXXX first payment in inactive J-payment plan since didnt renew Currently in inactive J-plan ( 60 months of payments made toward PSLF if I dont take XXXX  loan forgiveness )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing now in wish to obtain your help. Currently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and I am submitting this in order to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact 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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a referral bonus of XXXX XXXX XXXX XXXX ( XXXX ) plus XXXX additional XXXX points awarded to my account. As of XX/XX/XXXX and after several attempts at contacting American Express to resolve and transfer points to XXXX, I am continually being given different issues about why they are unable to transfer. My last contact was thru online chat and twitter direct messaging @ AskAMEX on XX/XX/XXXX. There should be no issues with my account and these points should have been transferred in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: OH

Complaint narrative:
I have submitted the Federal Loan Forgiveness Application to  Navient twice once in the Fall of XX/XX/XXXX and in the Spring of XX/XX/XXXX. I when I called they said they never received the application however I have a fax transmission saying it was delivered successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2018 I was at a Chase Branch in XXXX XXXX, Oklahoma. I had explained to the Branch Manager that I was having difficulty paying all my bills in a month. She worked with me and said Chase has a Hardship Program. She called into it and gave her ID number and was transferred several times. When the gentleman answered in the department that could help with finical difficulties he talked to myself and asked me several questions about my hardship. He then stated that the settlement would be {$1500.00}, for both accounts. I didnt have the money to pay then. Since that time I have received a tax refund and set aside {$1500.00} and called Chase today. Today all they could offer is 90 % of the settlement instead of the 65 % that was offere 2 weeks ago. I asked for the recording, the name and ID and a supervisor at Chase would not disclose the information to me. I dont understand why I cant have that information or the same amount they were going to settle with me 2 weeks ago. When I called Chase today they acted like they had no record of anything but magically an application appeared with no information and just a employee ID number but saw no notes on the disclosed amount they offered 2 weeks ago. Spoke to a XXXX at Chase his ID NUMBER is XXXX. This supervisor was absolutely no help and would not and could not tell me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: VA

Complaint narrative:
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XX/XX/XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XX/XX/XXXX-XX/XX/XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XX/XX/XXXXafter graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XX/XX/XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to XXXX and spoke with XXXX. XXXX researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XX/XX/XXXX that has been paid ( loan number XXXX ). 

I was referred to XXXX because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XX/XX/XXXX, and all records transferred to XXXX and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark 5 integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX  to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX  tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX  didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.

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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohen & Associates
State: NC

Complaint narrative:
On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number an requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. 

Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. 

I'm not familiar with any issues and have not received any letters in the mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches that were with big companies and in the news.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter involves the collection of a debt, Chase Bank received timely payments every month from me the account holder the XXXX card ending in XXXX was open since inception but balances for an unexplained reason was only drawn for the minimum payment. It was discovered that the " pay in full option '' was not correctly implemented and interest profits had accrued to over {$1900.00}. 

{$690.00} was refunded but outstanding debt in the amount of {$1200.00} remains unreimbursed. 

Accordingly, demand is hereby made that you remit full payment in the amount of {$1200.00}. 

Please forward certified funds in the sum of {$1200.00} to the undersigned, made payable to XXXX XXXX XXXX or refund this amount to the credit card balance. 

I should mention that I have spent countless hours dealing with miss routed mail and calls to Customer Service including several " disconnected calls. '' During every engagement, I have been extremely polite and respectful but calls from the Executive Offices have mysteriously disconnected on three occasions.

Company response to consumer: Closed with monetary relief