vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXXis showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on Experian and XX/XX/XXXXbeing 30+ days late on XXXX  and XXXX   There were 2 months of extensions granted for XX/XX/XXXXand XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX and XX/XX/XXXXPayments. Experian shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

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 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX  Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX   XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX  at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX  said the XXXX  Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.

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 2018-06-05 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX  on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.

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 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had many student loans with naviet and they told me to consolidate them. I consolidated them and my loans went from XXXX to XXXX. When I called to ask them about it for months they kept telling me that when u consolidate it just shows double for a while. Finally four months later when I called they told me that it was not doubled and that was my outstanding balance. So lost what to do now. I did it to make my payments cheaper not to go into debt for more. Now my student loans are more then my mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In XX/XX/XXXXXXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being 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 non-monetary relief
Consumer complaint received 2018-06-05 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: CO

Complaint narrative:
I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are trying to get a payoff demand on behalf of a dead seller 's wife. The court has ordered the wife to be the owner of this property. I have provided a copy of the authorization signed by the wife, a copy of the Death Cert and a copy of the Court Docs to Bank of America. ( All attached ) BAC is absolutely refusing to provide a payoff demand. 


*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and BANK OF AMERICA WILL BE GETTING A *FULL* PAYOFF. 

XXXX Bank of America is DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have two credit cards with Comenity Bank. In XX/XX/XXXX I called to request assistance with my XXXX rewards credit card payments. I was entered into a hardship program. At the time of the call, the agent signed up my XXXX Card as well. My XXXX card payments were to be {$40.00} a month. I received a letter confirming I was signed up for the program. My account was debited for the due installment. In XX/XX/XXXX I  received a call from XXXX  collections department advising that I was in default and that I needed to make a payment. I informed them that I was part of a hardship program. They transferred me to this department, at that time. I was advised that I was taken off the program due to being enrolled the prior year. I am not allowed to re-enroll two consecutive years. I never received a letter stating this or a call. I kept on explaining my situation and the department wasn't helpful.. I explained that I am not able to make the requested payments of almost {$100.00} a month. I am asking they honor my XX/XX/XXXX agreement, as they debited my account and didn't advise me correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
3rd complaint being filed - actually reached out to the original credit and they have replied to me - collection agency states I spoke w/a XXXX XXXX that is false. I have never called this agency ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX  in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX  at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction. 

None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX. 

I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Problem with personal statement of dispute
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: KS

Complaint narrative:
In XXXX XXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed a charge on my bank statement for {$24.00} from Experian Credit Report. I was confused by the charge because although I have a account with Experian for credit monitoring services, the monthly fee for my account is {$19.00} and is processed from a different account. 

When I contacted Experian I was told that the account was opened on XX/XX/2018, under my husbands name. XXXX, the representative I spoke to went on to say that they charged {$24.00} a total of four times. I told her that I wanted a refund because I didn't open this account or authorize the use of my bank card. She said " per the terms and conditions we are only able to issue a refund for one month '' Later I called with my husband and spoke to XXXX, who after speaking with my husband verified that the information on the account was not his. She explained that the account was obviously fraudulent. 

I asked to speak to a supervisor, XXXX ( employee id XXXX ) who said that the term and conditions agreed to when the account was opened, prohibited them from refunding any money and that they had no obligation to provide any proof or documentation as to the fraud. She also told me to contact my bank and " sort it out with them '' for the amounts they fraudulently collected. 

I asked the supervisor why no red flags were raised when the name on the account did not match with the name on the credit card. She said " Experian does not require the name on the credit card to open an account they only require the card number, expiration date, and security code. 

In total 4 charges of {$24.00} and 1 charge of {$4.00} were billed. They processed a refund for one charge of {$24.00}. 

I contacted my bank, which processed my claim and issued me a credit for the full amount billed. Experian was allowed to keep the money they collected by way of fraud. 

The CFPB should take a hard look into how these credit agencies, essentially they house, control and profit from consumers credit information. Their websites are basically advertising for credit card companies and banks. These are the same credit card companies and banks that report consumer information to the credit agencies. The agencies are not impartial, fair, or honest, they essentially work for creditors with no regard or respect for consumers or their rights. 

At the end of the conversation I told the supervisor I would be filing a complaint with the CFPB, to which she responded " okay whatever ''. I guess the lack of respect also extends to the regulatory agencies that are charged with overseeing their business practices.

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 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I filed for a modification of my loan last year, completed the trial paymentsakeing them all, and in XX/XX/XXXX Bayview Loan Services came up with a collection on a title search that was never found before of me owing back child support. I gave them the judgement by a iowa judge stating I dont owe, they didnt accept the court order, I filed for a new modification, and requested a reconsideration of the first, I submitted all docs that they requested and they have dragged there feet at every turn, not returning calls, request for information at all, I filled a complaint with CFPB just over a week ago, after this I got a call from my old account manager that a new one was assigned, and the same thing as happens with ththe new account manager, not returning calls, calling at times that when I have told them I was working and so on. Yesterday I have receive the first corespondents since I have filed, only after the CFPB complaint, and the letter contradicts each other, asking for information that I have already given them, and they still intend on selling the house on the XX/XX/XXXX without giving me due process under the modification law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I made an extra online payment of XXXX on XXXX and my regular auto payment of my monthly payment is still pending. This was supposed to go to principal and then i looked today they took out XXXX of INTEREST Payment Breakdown Below : Principal {$1200.00} Interest {$290.00} Fees {$0.00} This was a PRINCIPAL PAYMENT in addition to a monthly payment. If there is no pre-payment penalty why am I being charged interest for an extra Payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's is reporting a closed account as open and 90 days past due when the loan has been closed since XX/XX/2018. I am disputing these past due reporting on my credit reports due to miscommunication with their reps in the store. After Hurricane Harvey I called over the phone to file an insurance claim and was told I had coverage and needed to visit a store. When I arrived at the store, I was told I didn't have insurance when in fact I did. The furniture was a total loss after the storm and I was a victim of a natural disaster. They later stated I did have insurance and paid the remainder of the loan with the insurance. I should not be responsible for late payments or past due reporting on my credit due to misinformed store personnel

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have complained about this membership fee for a couple of years now, and it was my understanding that this membership fee does not apply to me anymore because I have been a card holder with Capital One since the year 2000. I have reported this issue to the CFPB ever so often, and Capital One claims to waive the fee but continues to constantly add it back without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from a woman from an " unavailable '' number stating that she was trying to see if I would be home the following day so she could serve me a notice for a civil dispute. When I asked her what this was in regards to, she said she was unable to tell me any details as the notice was sealed and she could not open it, but that if I had any questions I could call the number ( XXXX ) XXXX with a case number that she provided. Upon calling this number I was connected to another woman named XXXX XXXX who claimed she was from a company called XXXX XXXX on behalf of XXXX XXXX and was responsible for determining whether or not I had maliciously attempted to not pay for an overdrawn but closed checking account opened in my name at Wells Fargo back in XX/XX/XXXX that had defaulted in XX/XX/XXXX. When I told her that I only had one checking account with Wells Fargo and that it was still open and in good standing, she said that this must be another account and that I would either have to pay to settle this immediately in the amount of $ 1300+ or I could be sent to court and have to pay a minimum of $ 4000+ dollars plus any legal fees incurred from this judgement. I again told her I had never opened such an account and hadn't been provided with any documentation of this debt, nor received any letter or communication from anyone attempting to collect said debt prior to today when I was informed I was being summoned to court for a pending civil judgement. She stated that she had documentation that I had been sent several letters and phone calls about this debt and that a response was never received. When I asked what contact information had been used, she stated incorrect contact information. I told her that the information was not correct and she again stated it didn't matter, that it was up to me to make sure my account was updated with my proper information. I stated again that I wasn't even aware there was a second checking account in my name, and that Wells Fargo indeed had my proper contact information since I currently have an account in good standing with them. She stated that Wells Fargo does not have the resources to contact me in this case and that I would either need to pay the voluntary restitution before the call ends or would be sent to court for the direct refusal to pay for this account.

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