vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: VA

Complaint narrative:
I submitted a second dispute with Experian XX/XX/2019, after first being told my intitial dispute was not submitted correctly and without the supporting documentation that the then MANAGER told me had just been " floating in limbo '' or something to that affect, therefore not resulting in the deletion of a specific account that has been removed off the other 2 adjacent credit reporting bureaus along with the same evidence and direct request from the original creditor, which the manager admitted to himself was clear as day on the document. On today, XX/XX/2019, I received notice that not only was the dispute STILL NOT resolved, but with absolutely no reasoning WHY, when I have contacted the original creditor yet AGAIN, as they say they sent the same documentation requesting it be removed as I have sent them myself. I am unsure of why Experian is giving me this extraordinary POOR customer service on numerous occasions but I deserve not only an answer but my report to be reflected ACCURATELY amongst the disputes I am trying to resolve.

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 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Santander Bank is attempting to collect {$1500.00} that I do not owe them. The debit card charges making up this balance is the result of identity theft. I will NOT pay this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC
State: CA

Complaint narrative:
ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I sent a certified letter on each attempt dated XX/XX/18, XX/XX/18 and XX/XX/18 to Ad Astra Recovery Group for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation that states that I signed an agreement to Ad Astra Recovery Services. The  request was not adhered to. Ad Astra Recovery Services continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company. I don't even know who they are. Ad Astra Recovery Services have reported the information to the credit bureaus as verified and I am asking that it be deleted the account was never validated. The account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

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 2019-01-23 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: CO

Complaint narrative:
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

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 2019-01-23 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: LoanCare, LLC
State: FL

Complaint narrative:
Re : XXXX Account # XXXX, The purpose of this complaint serves to herald certain business practices enacted by XXXX XXXX which have conspired to detrimentally affect my credit and has caused me irreparable harm. On or about XX/XX/XXXX, I applied for a new mortgage with XXXX XXXX XXXX. Upon completion of the review process, the lender contacted XXXX XXXX to request a payoff. Upon receiving the request XXXX XXXX advised me that it may to up to 5 days to receive the payoff. Furthermore, XXXX XXXX acknowledged that I was not late and had not been so on a recorded line and payoff was good until XX/XX/XXXX. However, while in underwriting with the new lender, XXXX XXXX reported inaccurately and earlier than scheduled negative/late reporting. This is not the first time since XX/XX/XXXX, I made a double payment and they counted as one payment and every month after that they reported me 30 days late. Due to this issue I have experience such a hard time in life especially the past few months with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but they have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and sending mail weekly. They've called everyone in my life which is very humiliating. This has brought on a lot of mental issues to the point I'm having difficulties all for an account with inaccurate reportings. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue or apply a lien to the business, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have the negative reports on my account 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 2019-01-23 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Nationstar became the more friendlier Mr. Cooper about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became Mr. Cooper. I have been trying to get the more friendlier Mr. Cooper to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint

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 2019-01-23 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: OH

Complaint narrative:
I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and had an work related accident in 2016 and was transported to the hospital with XXXX XXXX XXXX. This was work related and all expenses was related to the workers comp. 
I had the office of XXXX XXXX handle the situation and had the workers comp paid all expenses. 
I try to explain the creditor United Collection Service Inc the situation and the have never remove same from the XXXX  report. 
You can verify this with the office of XXXX XXXX XXXX XXXX : Mr. XXXX XXXX Tel : XXXX office : XXXX Thank you and please correct this matter for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX became the more friendlier XXXX XXXX about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became XXXX XXXX. I have been trying to get the more friendlier XXXX XXXX to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I returned my XXXX XXXX on XX/XX/XXXX, due to lease end. I returned the car to XXXX XXXX at XXXX XXXX, CA, where the car was inspected and the only problem was reported was front bumper and I agreed to pay {$400.00} to resolve this. Other than that there was not damages to the car as of XX/XX/XXXX. ( see inspection report attached ). On XX/XX/XXXX, I received a bill from BMW Financial, that I owe {$1600.00} due to the crack of one monitor. According to BMW Financial this was discover on the auction house that the car was transferred on XX/XX/XXXX. 

I do not accept this charges because at the time of the return ( XX/XX/XXXX ) there was no damages to the car. I insist that the damage was done after I left the car at the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I found out today, when I called to ask Capital One how they received my contact information in order to send a mailing, that Capital One is apparently part of a large-scale identity theft scheme. I asked from where they received my contact data, and they said that their COMPANY POLICY is to keep secret within the company where they buy consumer data from. Two people I talked to could not tell me where the data came from but said that where data is purchased from is always kept secret. They claimed that someone I did business with sold the data to them, but they were lying about this, since that did not fit the contact data that they had. It looks as though Capital One is buying consumer data from hackers. 

I have never done business with Capital One. There is no reason why they have my data, and no reason why they refuse to identify where it came from. 

Identity theft will continue to be rampant as long as companies like Capital One ignore all consumer privacy precautions. It appears to me that they may be violating several federal laws, including the Fair Credit Billing Act, the Federal Trade Commission Act,  and the Gramm Leach Bliley Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: FL

Complaint narrative:
On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: KY

Complaint narrative:
Opened Capital One Card, within short time was alerted fraud charges in TX were showing up. New Card issued XX/XX/XXXX. Promised credit fraud protection..

Then in XX/XX/XXXX I looked online at my credit cards and bank statements horrified I found Capital One had issued a new Card to persons unknown using my name and attempting to move my perm.Address to Colorado. I have been in contact with them daily or every other day and yet things do not seem to be resolving. I closed a XXXX XXXX account that was paid off and no activity unknown nature but the Platinum Card they are still playing with. Refunding then taking back, via phone took money from a XXXX bank account and I had to close my account so Capital One couldn't take any more. And mad at XXXX did a via phone transaction to them.In 10 yrs have never done a phone transaction why didn't XXXX alert me..

They have made no effort to notify the businesses that they have been stolen from contact the police in my state or TX after I filed a report.. They just think it's not a issue ... Yet they were supposed to be protecting my credit since they allowed the breach in XX/XX/XXXX and allowed it again in XX/XX/XXXX and XX/XX/XXXX I live in KY. I spent almost 2 yrs getting my Mother 's home out of my brothers greedy paws after her death and will not be moving to Colorado or any other state.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
I, XXXX XXXX, was contacted by XXXX XXXX whom was representing Hunter Wakefield Company located at XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) XXXX. They were seeking a debt owed by a XXXX XXXX. 
My husband and son have same name, just one is XXXX and one is XXXX. The representative did not care and had no problem going over someone else 's debt with me even though they did not confirm my identity nor cared to call and ask my son if it was ok that they speak with me.. I advised them it is my son 's debt not mine nor my husbands ' and he still kept using scare tactic like they are only willing to work on a reduced amount if I took action today and prepared or scheduled payment for a reduced amount or they would go after my husband and I for the debt that is not even ours. We are in process of buying a home and them reporting this debt on my husband 's social and not mine has loan process in jeopardy/ I lost my senses for a minute and made mistake by giving debit card information until my daughter heard my converstaion and had me cancel phone call WITH THEM immediatly. 

SOLUTION : THEY NEED TO CONTACT EACH BUREAU AND RETRACT THE NEGATIVE REPORTG ON MY HUSBAND THAT IS WRONGFULLY REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had to file a CFPB compliant to get my {$400.00} promotion from Citi bank. They finally awarded the promotion after and excessive amount of time. I just received my XXXX and it states that I earned {$800.00} from two promotions. I can not trust this banks record keeping in any way and caution anyone who uses this bank to review their statements carefully. To fix the issue I would like Citi to issue a new XXXX or send me a check for the {$400.00} that they said they paid me.

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