vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: VA

Complaint narrative:
Please esculate!!!!!!! 

Lender : Navient Student Loan : # XXXX Effort : Contacted Navient by letter, email and phone numerous times from XX/XX/2019 to today ( XX/XX/2019 ) - No results. Issue not fixed. I get the run around!!! 

Loan Balance : XXXX ( XXXX ) Request : Close All Navient Accounts and report to credit bureaus as closed. Send official letter, email ( XXXX ) or letter stating accounts are closed by Navient. 

Issue : Navient will not close the three parent student loans accounts, which is reported to the credit agencies ( e.g., XXXX ) as open. Navient said on their end, the account is expired, but not closed. Credit Report only has Open or Closed, not expired. Doesn't make sense. Navient also says, Department of Education is the owner and they will have to close the account. I talk to Department of Education and they say Navient ( lender ) has to close the account. Pointing fingers, but I am the only one suffering and not getting this issue fixed. 

I need help, please fix!!!! Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NV

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Convergent Outsourcing Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, XXXX on behalf of XXXX XXXX. The letter claims I owe {$180.00}. 


In XX/XX/XXXX, I was the victim of identity fraud. I reported the fraud to the consumer reporting agencies and all the companies listed in my credit report with fraudulent accounts, including XXXX. I sent all the supporting information to XXXX, but they never responded. All the other companies determined that I was not responsible for the accounts and notified the consumer reporting agencies to remove the false accounts from my credit profile. 

I later started to receive calls about the debt from collectors on behalf of XXXX. I informed the collectors ( and XXXX again ) about the credit fraud. I thought the matter was resolved. 

And now I have received a letter from another collection agency on behalf of XXXX. I want them to update their records and stop trying to collect on this fraudulent 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
Consumer complaint received 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Purchased XXXX XXXX XXXX  XX/XX/XXXX using XXXX XXXX Upgrade Program which is underwritten by Citizen 's One Bank. Paid off loan associated with this XXXX in XX/XX/XXXX and traded in the device in XX/XX/XXXX. XXXX refunded a prorated amount of {$86.00} to my loan account for the remaining time left of XXXX extended warranty. Requested Citizen 's One to send this refunded balance to me via check or to my card on file and have yet to receive it. I've contacted the bank via phone XXXX on multiple occasions and they claim it is due to an overabundance of refunds being processed. I want my refund sent immediately, which is no different than the bank wanting to be paid promptly when my bill is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I started to apply for a mortgage with our WELLS FARGO loan officer on XX/XX/2019 to buy a house.

Its been more than 45 days that we started the loan process with my wife and I with Wells Fargo.

We received a commitment letters on XX/XX/2019 We requested an appointment with our loan officer on XX/XX/XXXX to be sure to provide every single document requested by Wells Fargo.

We have submitted our last document on XX/XX/XXXX in the morning, which was a letter from our CPA, providing all the answers.

The same day, around XXXX XXXX, the Wells Fargo Loan Processor give us a call and let us a message on my voice mail saying that our loan has been approved.

Since XX/XX/XXXX, we requested several times through our loan officer some update with some promises, that the answer is going to arrive.

And still nothing.

So today, I am tired and angry by seeing nothing happening and I am stressed not being able to close after already postponing many times with the sellers.

We just want an answer from Wells Fargo after submitting a full and completed application on XX/XX/XXXX, we still haven't heard from Wells Fargo!

No letter, no email, nothing new from their app " loan tracker '' It's already been 2 weeks today!

I'm pretty sure, that if missed a payment from my mortgage, Wells Fargo wouldn't wait for 2 weeks before requesting the payment!

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 2019-11-02 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
No Contract!!!! Remove account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays bank combined non-related billing disputes into a single 'billing dispute case ' ID XXXX rather than keeping them separate as they were separate merchants and charges for different products/services. Specifically, a dispute against XXXX where clear evidence showing 'double billing for the same product and service ' was not resolved. 

Documentation was provided to the bank that an AUTO RENTAL booking was fully prepaid on XX/XX/2019 and then double charged by XXXX on XX/XX/2019. Later, additional charges of {$99.00} were made onto my XXXX VISA account without my consent ; I reported the charges to XXXX who confirmed the final charges for my contract did not include any {$99.00} charges. 

The bank failed to refund the {$170.00} disputed charges ( out of a total {$250.00} among 3 transactions ).  There is one clear double-charge and one charge which is unrecognized by the card holder.

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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
No Contract!!!! Remove account from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.

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 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates has a collection against me claiming that they purchased an old debt from XXXX XXXX. This is a complete scam as the debt was so old it was no longer posted on my personal credit bureaus. So now we have Portfolio Recovery Associates claiming that they purchased a debt originally written off and settled upon in 2008. As I stated, the account was so old it is no longer posted on any of my credit bureaus. Portfolio Recovery Associates happens to be running a scam, filing on my credit reports that they purchased a 10-year old debt. I request full documentation of ownership in the following criteria : 1 ) The payment history from XXXX since the account procurement. 
2 ) A copy of the debt pooling agreement XXXX pledged the debt asset to, and the terms of transfer back to XXXX once the account went into a charge off status. 
3 ) The timeline when the debt was either settled or permanently written off.

4 ) A true copy of the transfer of ownership to PRA if it ever existed.

Upon the proof that any one of these criteria 's can not be ascertained, I need written validation that my file information has been purged, and that PRA has permanently eliminated the negative trade line from all credit bureaus. 

This type of debt purchase scams has to end on a national level. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
I took a title loan out Loan Max XX/XX/19 for XXXX dollars, with due date XX/XX/2019 but because I made a payment earlier ( XX/XX/XXXX ) to avoid the interest rate they change my due XX/XX/XXXX Instead of XX/XX/2019 They said I was manipulating the situation, that not manipulating that is business and I know from past experience with loans because I pay earlier my due date never changed This is Loan Max attempt to penalize me for paying earlier so they can gain interest and profit unlawfully .They also it is stated in the contract if you pay earlier you change the due date so you really being manipulating, penalize by loan max so they can collect more interest making less of your payment go on the principle. Also because it is the contract does mean it is legal, I have the right to pay earlier without being penalized by loan max to prevent me from doing so by changing my due date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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:
data breach ftc sent inaccurate information must be removed by CRA laws Equifax XXXX and XXXX does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
I sent a letter to Works & Lentz , INC. in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : WORKS & LENTZ INC-XXXX. Original Creditor Name : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$260.00} Amount : {$180.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number : XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights.Works & Lentz , INC. Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. Works & Lentz , INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Vehicle loan with chase. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed

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 2019-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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: CA

Complaint narrative:
Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed

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 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been charged late fees when I made payments on time. I was told they were after the cut-off time of XXXX, but that is incorrect. Both payments were made at XXXX on the due date of XX/XX/2019 and XX/XX/2019. I did not receive any email confirmations ( but do receive my email notice for my statements ). I have made attempts to resolve this, but was treated poorly by customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 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:
data breach ftc sent inaccurate information must be removed by CRA laws XXXX trans and XXXX  does not want to comply with LAW inaccurate information that can't be corrected must be removed CRA

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 2019-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit was run by the following companies without my knowledge : Capital One Bank USA XX/XX/19 XXXX XXXX  XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XXXX XXXX XX/XX/19 Capital One Bank USA XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX  XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX   XX/XX/19 XXXX XXXX XX/XX/19

Company response to consumer: Closed with non-monetary relief