vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NY

Complaint narrative:
The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. 

First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. 

Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. 

Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: AR

Complaint narrative:
This year in 2019 during the months of XXXX, XXXX, and XXXX I have been in constant contact with Experian Consumer Reporting Agency in regards to several accounts appearing on my credit file that was established without my knowledge or consent or due to identity theft. One account in particular, which still remains on my credit report is XXXX XXXX XXXX. Experian continues to violate my rights as a consumer as well as the Fair Credit Reporting Act by reporting this account without providing 100 % Accurate Verification and blocking the account within 4 business days of notification. In addition, this account has been blocked and removed by both XXXX and XXXX consumer reporting agencies. I expect Experian to adhere to the FCRA by immediately removing this account from my personal credit file.

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 2019-08-10 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: FL

Complaint narrative:
I wasnt sure which options to choose. Long story short, I was in a XXXX XXXX on XX/XX/XXXX. I was in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My wife wasnt able to pay my XX/XX/XXXX payment on my Capital One card, due to not being an authorized user. My wallet/card was also lost during the wreck. Also, the wrong payment amount is showing on the credit report, and it didnt update. We will be moving in XXXX, and we are trying to do anything to fix our credit before then. Both issues are negatively affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was reported 30 days late in XX/XX/XXXX for a credit card account with COMENITYCB/XXXX. I submitted a dispute to XXXX on XX/XX/2019. The XXXX update shows me 30 days late in XX/XX/XXXX and XX/XX/XXXX of XXXX. COMENITY is reporting that the monthly payment due in XX/XX/XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called Comenity to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XX/XX/XXXX and did not understand why their computer system identified my name to be called. Also in XX/XX/XXXX the payment payment says the minimum due is {$240.00} by XX/XX/XXXX. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/XXXX. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for Comenity to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for Comenity to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My mortgage company XXXX went chapter XXXX, sent my loan to XXXX XXXX Loan Care. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.

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 2019-08-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My mortgage company Ditech went chapter XXXX, sent my loan to XXXX XXXX XXXX XXXX. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX, I applied for a Lowes credit card through Synchrony Bank. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.

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 2019-08-10 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: IL

Complaint narrative:
Called SallieMae several times about the cost of loans being repaid while still in school .All they offered was a 12 month  payment of {$25.00} per loan.They didnt say any other options were available and didnt explain how much more money on the loans/interest would have to be paid after agreeing to this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a situation where I signed up with a company that do not exist. No address, phone is disconnected, offices that he rented out the landlord stated they have been looking for him for the past 9 months, I even Got police in the different countys to locate the gentleman thats how I discovered the scam. I spent a total of {$850.00} on to separate debit cards. When I called the company a it just disappeared in thin air. So I contacted navy federal and XXXX to dispute the charge. I sent both banks the same information such as the text messages, even the scam report with the companies name and the gentleman that signed the agreement mug shot stating that he creates companies to scam them out their money. XXXX was wonderful with giving me back my money. And assisting me with the fraudulent activity. However navy federal didnt even send in the dispute they denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX, I applied for a XXXX credit card through XXXX XXXXk. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.

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 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint narrative:
Commenity Bank XXXX XXXX XXXX XXXX OH XXXX Woman Within Credit Card acct # XXXX A late fee was assessed to our Account on XXXX Statement charged us a late fee of {$28.00} We advised they bank in XXXX as well as in XXXX and the Bank shows that they spoke to us on XX/XX/XXXX and XX/XX/XXXX-at which time we updated our change of address and the customer services representatives did not properly up date their files and records to list our new change of address Customer Service Representatives now refuse to remove the 2 late fees charged to my account which is a result of their errors Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
I submitted a credit report dispute to verify a collection account on my credit profile with Experian on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is XXXX XXXX XXXX. Experian allegedly contacted XXXX XXXX XXXX and was able to verify the information by XX/XX/2019. However XXXX XXXX XXXX or Experian has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection 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 non-monetary relief
Consumer complaint received 2019-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted TransUnion, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
5. I contacted XXXX and told them to report my account number XXXX but to no avail. 
6. Later on, I consolidated my two accounts as in my complaint with CFPB ID # 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 2019-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted XXXX, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
XXXX. I contacted XXXX and told them to report my account number XXXX but to no avail. 
XXXX. Later on, I consolidated my two accounts as in my complaint with CFPB ID # 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 2019-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I began an application to consolidate my loan with SoFi. I began the application online. I was almost done with the application when I saw that my exact loan balance was lower than what was being requested by SoFi. I hit the edit button to go edit the balance. It took me back to the screen to edit the loan balance. I typed in the correct balance and hit the " recalculate '' option. It took me to a page saying that my loan application package had been signed and accepted. I never signed nor accepted the package. It said that I was borrowing {$180000.00}. I never requested that amount, I only need {$180000.00}. I called immediately to have the loan edited or application cancelled. They said given the stage this application is in, they can not withdraw it immediately and they were not able to edit the amount. They said that they are working on it. In the meantime, my credit was pulled for a loan that deceptively tried to get me to borrow almost {$3000.00} additional dollars that I do not need, and most certainly do not need to pay interest on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Office of R. Gary Shapley
State: TX

Complaint narrative:
Mr. XXXX XXXX was trying to collect money from XXXX XXXX ( another company that has the similar name as my company 's name, but it is not my company ) I told him you have the wrong party, he filed a lawsuit to get a judgment against my company although the contract has the name of another company that is not my company. The person that signed the contract is not a member or an agent of my company. I did not sign the contract. Another name is showing there. I told them so. They said pay us {$2200.00} and we go away. I refused so he continued in a lawsuit. 

They sent an email stating they will pursuit the lawsuit if, I do not pay {$2200.00}. The lawsuit continued and the judge told them she has a problem with them having the wrong party. I paid a lot of money to fight them. They are debt collectors, third party debt collectors. They have a lot of cases in XXXX County for their client XXXX XXXX formerly XXXX   XXXX. 
I was looking for their bond to file a claim, it looks like they do not have a bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I submitted a credit report dispute to verify a collection account on my credit profile with XXXX on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is Midland Funding LLC. XXXX allegedly contacted Midland Funding LLC and was able to verify the information by XX/XX/2019. However Midland Funding LLC or XXXX  has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was reported 30 days late in XXXX XX/XX/2019 for a credit card account with XXXX. I submitted a dispute to experian on XX/XX/2019. The experian update shows me 30 days late in XXXX and XXXX of XX/XX/2019. XXXX is reporting that the monthly payment due in XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XXXX XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called XXXX to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XXXX and did not understand why their computer system identified my name to be called. Also in XXXX the payment payment says the minimum due is {$240.00} by XX/XX/19. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/19. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for XXXX to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for XXXX to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.

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 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my debit card with a sticky note attached with my pin. Multiple transactions were charged on my account. I asked for my claim to be escalated, which was declined. I work very long hours sometimes unable to do a simple call. The reason for my claim to be denied was because I called two days later not the same day. According to chase they have very strong reasons for my claim being denied. Since I've made purchases with similar merchants they ave denied my claim. XXXX is a very small town. Anyone can go to the same grocery store. I feel unsafe with my bank who i'm supposed to trust with my money. Keep in mind I work full time go to XXXX and I'm a full time mother. I have no time whatsoever. The times I've tried to get a hold of chase they have hung up on me multiple times. They are not willing to help me whatsoever. A total off {$730.00}.

Company response to consumer: Closed with explanation