vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 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: CA

Complaint narrative:
I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TX

Complaint narrative:
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
POLICE REPORT WAS SENT TO ALL 3 BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have ready posted several documents of proof to CFPB for help. On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX XXXX sent notice of illegal default and demanded payment or they would push my account to foreclosure. I was illegally and without proof, extorted to pay all monies on said documented dates to bring my account current ... ... .. AND I DID. 
In response to the payment in full my account WAS NOT brought current but sold to Select Portfolio Servicing Inc. and NOW they are demanding the same amount stating I never became current. I even read a notice from Select Portfolio Servicing Inc., that mentioned dollar amounts BEFORE I paid the total amount to become current. On the one hand Select Portfolio Servicing is saying that they have nothing to do with the amounts owed to XXXX but on the other they are demanding those same and more dollar amounts. 
This is an illegal act of loan sharking. 
I have legal documented proof of the " cure '' notice and entire payment of said harassing " cure '' to XXXX paying off all pass threatening balances ; and at the same time proving that NOW Select Portfolio Servicing Inc. is the using the same harnessing and bullying tactics to push me again into the same intentional scamming default. 
I am now receiving notices at my private home pushed into my mailbox. 
I have made payments at the end of XX/XX/XXXX ... .accepted by XX/XX/XXXX, then again a second payment at the end of XX/XX/XXXX, a payment at the end of XX/XX/XXXX, and a payment at the end of XX/XX/XXXX. 
These payments have ALL been documented and made AFTER the payment in TOTAL of the threatening default " cure '' notice paid at the end of XX/XX/XXXX. 
1 - HOW DO I STILL OWE 2 MONTHS OF PAYMENTS and 2 - WHY IS SELECT PORTFOLIO USING THE SAME HARASSING TACTICS? 
Note : I am submitting another complaint form so that I can resubmit said documents previously submitted to CFPB with the same details as the above letter Very Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ID THEFT VICTIM VIOLATES HIPPA, CRA RIGHTS, FILED POLICE REPORT AND SEND ALL DOCUMENTATION OVER TO THE COMPANY XXXX POLICE CASE NUMBER 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 monetary relief
Consumer complaint received 2017-09-30 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: NC

Complaint narrative:
The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TX

Complaint narrative:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Unacceptable sharing of other persons information with me, while corresponding on my dispute. 

On cfpb complaint XXXX of application XXXX, I was mailed a correspondence document that not only included my 3 page letter but also a two page one to XXXX XXXX XXXX XXXX and XXXX XXXX, picture attached. Im sure the XXXX would be very disappointed in this disclosure to me, a third party. I am happy to share this with them but am going through proper channels so you can notify them of this breach and penalize wells for the breach as allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
.On XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
.On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: ME

Complaint narrative:
Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX - Received mail from Rash Curtis and Associate about a collection On XXXX/XXXX/XXXX - I paid my debt in full to the original creditor ( XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ) ( have receipts from my bank as well as the original creditor ) On XXXX/XXXX/XXXX - Received a call from Rash Curtis and Associates, where I had informed their representative that I have already paid the debt in full to the creditor and have receipts and confirmation. 

On XXXX/XXXX/XXXX - Received more mail from Rash Curtis and Associates trying to collect this debt that has already been paid, as well as the cookie cutter threat to report it to the credit agencies ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}

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 monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. 

Please save me from long responses without answering the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: IL

Complaint narrative:
XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TX

Complaint narrative:
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
Wells fargo could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with XXXX XXXX XXXX and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of XXXX XXXX XXXX might know something t

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