vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested a copy of my free annual credit report from XXXX, XXXX, and Equifax through the XXXX website. I received my reports from both XXXX and XXXX   without incident, however, I did not receive a report from Equifax. Rather, I was sent a letter from Equifax stating that they need additional information to verify my identity and address. Per the letter, they need 2 pieces of information from me : 1 ) IDENTIY * Pay stub with complete U.S. Social Security number * W2 form with complete U.S. Social Security number * Valid Social Security card 2 )  CURRENT ADDRESS * Driver 's license * Rental/Lease agreement * Mortgage statement * Utility bill ( gas, electric, water cable, residential telephone bill ) I have a huge issue with a request of the items listed in 1. If this Reporting Agency is even remotely reputable, they certainly would not have such an absurd request to send information containing a complete SS # through the mail. Needless to say, we are in a huge environment of identity theft, fraud, etc. Add to that, knowing that Equifax has been plagued by their security issues and data breaches, no one of sound mind would even entertain this request. Credit Reporting Agencies ( XXXX, XXXX and Equifax ) should be protecting the Consumer not put them at risk by asking for such documents. Apparently, Equifax needs to get their house in order and be reminded of their purpose!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been receiving daily calls from phone numbers I do not know. After doing research, I see that it is coming from Portfolio Recovery. 

I have no dealings with this company and they are calling me on my cellphone, which I definitely did not give them my phone number. 

I would appreciate it if they would stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
Back in XX/XX/2019, I called to see what was the best way for me to handle my loans and apply for the loan forgiveness program, the representative told me that I had to consolidate the loans first and then apply for the loan forgiveness, I followed the instructions and consolidated but before doing so I made sure this was what I should do by asking them that I needed to consolidate then apply for the loan forgiveness and I was told yes. To come find out months later that was the wrong information and that now I have to start over with making payments for 10yrs before loans could be forgiven, I find that this is unfair and I already had payments that would have been counted towards the program had I been given the correct information and not had did the consolidation that I was told to do. This over XXXX  XXXX dollars minus 1 loan I knew did not qualify but the rest did, I feel as if I was not taken care of as a customer and that I was lead down the wrong path by a person I thought was well knowledgeable in what they were instructing and telling me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This company Navient sets unrealistic payments. They want me to pay nearly 400.00 a month and the only other option they will give me is to be put on deferment or forbearance. It is a scam. They do this to rack up over 90.00 a month in interest on my account. I offered to work with them to give them a payment I can afford so that I am making some kind of payment, but they refuse. They are so eager to put me on a deferment to accrue the interest. Its also worth noting that they bought out my original student loan. I also read online about a forgiveness for those who went to XXXX XXXX because of their shady practices and I couldnt get anyone to even talk to me about it. XXXX XXXX cancelled my program and I was not able to get a education but Im left with the bill. And now I cant even pay the bill because Navient cares only about racking up interest at 90+ dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: TX

Complaint narrative:
My identity was stolen I contact Discover Card. They did their own investigation they provided me with a letter stating that I was not a fault and they would update my credit report now they're trying to hold me liable after they provided me the letter and they're still refusing to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
confirmation # XXXX I field a disputed with Equifax about an account that has shown up on my credit field, asking to find out when and where the account was open and to removed. I receive a statement from them lowing the amount and still not the information i requested. I called the number XXXX in the XXXX and all they could do was read the file back to me. 
XX/XX/2019 account now states {$50.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased furniture last year, XX/XX/2018 overXX/XX/XXXX, through Value City Furniture. Credit was given through Synchrony Financial. First issues were with Value City where it was damaged upon delivery. Took over 3 months to finally get undamaged furniture after multiple calls, incorrect deliveries, and failed customer service. Am actually still waiting for financial reimbursement from them, but thats another story. Two months later I XXXX XXXX  to my XXXX child where there were XXXX, and due to my husbands traveling, got behind on payment. Every few months Im a bit late on payment due to having to wait for payday, etc., but I do always end up paying my bill. This brings me to today. I am aware Im currently behind ; however, due to my employment, Im not able to discuss via telephone. Have never had issues before. But today starting at XXXX til current time as of XXXX XXXX, I have received 63 calls from Synchrony from number XXXX, and they never leave a voicemail.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hi, I've just opened a CapitalOne Credit card ( Venture ) with  annual fee $ XXXX/year. I was using the card for my daily purchase and suddenly my card was block last week. I try to call the CapitalOne service many times but no reply and I still don't know why my card is blocked. 
My credit limit is {$5000.00} and my current balance is {$1700.00} Please help to solve this issue. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My identity was stolen someone open a account with capital 1 credit card. I contact the capital 1 credit card services provided them information that my identity was stolen after upon them doing their investigation they provided me a letter stating that they would have the accounts to be removed off my credit report now they refused to remove them off my credit report and still trying to hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: FL

Complaint narrative:
XXXX XXXX submitted a hard inquiry on my credit on XX/XX/19 without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
For the last several weeks, I have received phone calls on my cell phone from what caller id identified as spam calls 2-3 times daily. On XXXX XXXX, 2019, I went ahead and answered the call and found out it was RPM trying to make a collection for XXXX. I explained to the representative that I closed the account with a XXXX balance and that this was an error. The representative became very argumentative and rude. I ended the call and called XXXX. I resolved the issue with XXXX and was told that the collection was an error and it would submitted to another department to reverse the charge and remove the collection. On XXXX XXXX, 2019, I received another call from RPM. I was told that I was on a recorded line and several times I told the representative to not call my phone number again and that issue had been resolved with XXXX. The representative became very argumentative and rude. I ask to speak to a supervisor and I was told I would be transferred but the call was disconnected. On XXXX XXXX, 2019, I received another phone call and once again I explained that I had told their representative the previous day to not call my phone number again. The representative then wanted to verify my personal information and I told the representative that I was not going to verify my personal information and I gave the representative my phone number and told them to not call this number again and I ended the call.

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 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2019 this company 's system is not updating correctly. They are charging people XXXX for each transaction which results in high amounts of overdraft fees. They are rude when you call into customer service and they don't have contact information for the cooperate office. They are charging me excessive overdraft fees and then making like I am in the wrong because their systems are not updating correctly.I want to be contacted by XXXX XXXXXXXXXXXX the president and I want these high overdraft fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: WA

Complaint narrative:
Complaint is against a Credit Card Company named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MO. ( XXXX XXXX ) I mistakenly made two payments on XX/XX/19 in amounts of {$750.00} and {$750.00} to payoff the card in whole. Credit card company accepted both payments and placed a lock on my card without notifying me and held the double payment without notifying me or placing a " credit '' of one of the payments on my account. I called their XXXX on XX/XX/19 that is when they told me they needed to validate the payments with my bank, thus we did a 3-way call with my bank. Afterwards I was told that my refund would be credited back to my bank within 7-10 business days and that the lock on my account would be lifted within a few hours of our call on XX/XX/19. 10-business days later I still have not received my refund for one of the payments and the lock on my account had not been lifted. I called their support again on XX/XX/19 ( 10-business days which included the XXXX Holiday, and they said they had a system error and the refund had not been submitted so they said they submitted it during our call and that it would be another 7-10 business days until I see the refund. I demanded this is unacceptable and that I wanted my refund immediately and if not received I will file a complaint with the CFPB and XXXX. They did lift the lock on my account on XX/XX/19 though.

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 2019-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My identity was stolen and someone open an account to purchase a car with capital one auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX is reporting incorrectly a collection to Equifax ; XXXX and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: CO

Complaint narrative:
XXXX is reporting incorrectly a collection to XXXX ; Experian and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item 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 2019-06-07 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: CO

Complaint narrative:
XXXX is reporting incorrectly a collection to XXXX  ; XXXX and Transunion for an account with a balance of {$560.00} on the XXXX partial account number XXXXXXXXXXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item 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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XXXX of 2018 chase didn't charge the right account and it gave me a late payment. It was only a minimum payment of less than {$90.00}. On all of my scores I never miss a payment and it affected my credit score a lot. I didn/t even realize there was a problem with payment or that I was late. Can I please get that strike taken off of my account I am a great customer and never before or after been late. I really did not know and would be so appreciative if we can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I had my XXXX service for about XXXX months. I live in the XXXX Ohio area, and I was not aware that the XXXX service could not meet my needs when it comes to cell phone service. I tried multiple times to negotiate with XXXX and they refused to do so. I then had to take my phones to another carrier and they told me that I would have to pay for my devices. I told them I would let the bill go to collections and I would be able to negotiate a price with the collection team. The name of this collection agency is diversified adjustment collection service. I have had a few conversations with them and I have tried to engaged in the settlement process. I first offered them XXXX dollars they said no, I then offered them XXXX dollars they refused. I then offered them XXXX dollars they said no. I have tried in good faith to work with this company and they refuse. I am hoping that I can have this debt removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santanders USA I was in a total lost. I have only had the loan since XX/XX/XXXX. My car got totaled out on XX/XX/XXXX. Third Party at fault. Santander held my insurance check for about 10 days. Then  turned around and applied it to my account, and charged me two late fees XX/XX/XXXX {$38.00} and then XX/XX/XXXX XXXX. I called Executive Office spoke with a very, very rude sarcastic person by the name of XXXX, who told me well You should kept paying your car payment per your contract rather we held the check or not. I tried to ask speak to his manager 10 times. He refused to let me speak with him. Then put me on hold and came back to the phone and said XXXX the Manager in charge of the department refused to speak with me as well and said the charges are valid. Then he sarcastically said would you like to talk about something else. I hung up on him.

Company response to consumer: Closed with explanation