vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed a debt by written notice by certified mail, XX/XX/2018. I have yet to receive a completed validation of the debt within the 30 days of the first request with XXXX who was attempting to collect a debt for XXXX XXXX. XXXX XXXX  contacts me in writing XX/XX/2018 informing me that they reported the debt to a credit agency and that if I wanted to dispute this debt, I need to dispute it with XXXX. XXXX XXXX  reported this debt without notification that a dispute was in place. XXXX and XXXX XXXX  have not completed the validity of the debt request and therefore, should not have reported the debt unjustly. Furthermore, I was informed that XXXX XXXX  was required to purchase the debt from Navient, and I was informed in a phone call back in late XXXX that Navient no longer owed the debt, but XXXX XXXX did, so why would I need to dispute a debt that have already been disputed in writing with XXXX and XXXX XXXX. Furthermore, I was contacted by XXXX XXXX XX/XX/2018 informing me that my employer may receive a letter notifying me of wage garnishment. I understand that XXXX XXXX transferred there loan corporation over to XXXX XXXX, so why would they contact me and threaten wage garnishment way before I was permitted to dispute the debt. This is a tactic of intimidation and deceptive in nature. XXXX XXXX failed to disclose that they are a affiliated with XXXX XXXX. These tactics of these companies are not serving consumers, but infringing upon my right and possible others. As a consumer, I am expected to follow their procedural methods to address a debt, and they should be held to the same standard. I am not at all familiar with XXXX XXXX, XXXX or XXXX XXXX until now, and I believe wholeheartedly a scam is openly occurring to damage the credit and lives of many consumers. Please assist in this debacle as it relate to wrongful and unjust credit reporting and deceptive and intimidation tactics in attempt to collect a debt and wage garnishment. I just want fairness and I'm open to what is next. Please help me to attain fairness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with Equifax. In XX/XX/2018 Equifax responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX   account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX and XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report. My address is XXXX XXXX XXXX XXXX XXXX AR, XXXX and I have sent in my id to confirm my address. you must remove these account this account isn't verified accurate with the address from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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 — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i disagree with the last complaint they did not address the issue. XXXX XXXX has Not been reporting accurately to Equifax credit bureau.XXXX XXXX state theres a block from XXXX which is a different company from Equifax. XXXX as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.Equifax says they can not change anything on my consumer report unless XXXX XXXX update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to continue to report inaccurate information sec 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NY

Complaint narrative:
I am four years out of XXXX  school, with about {$190000.00} in student loan debt. XXXX   XXXX  cheated me out of my entire direct loan rebate in the following manner : Using XXXX XXXX XXXX online payment app on XX/XX/2018, I was for the first time presented with the option to " Target Specific Loans '' -- without any warning, fine-print or otherwise, of any potential pitfall of doing so. Grateful for the chance to target my highest-interest loan ( XXXX by default targets the lowest-interest loan ), I allocated my entire minimum payment ( {$240.00} ) towards that loan. In XXXX, I received the first of several letters and e-mails from XXXX XXXX, stating that I was delinquent, had missed payments, and therefore that my direct loan rebate was irrevocably lost. On XX/XX/XXXX, I made an extra payment of {$320.00} in an effort to make up any alleged delinquency, so that XXXX might restore my direct loan rebate. 
I called XXXX on XX/XX/XXXX, requesting that my XX/XX/XXXX payment be reallocated to remedy any delinquency, and that my direct loan rebate be restored. The XXXX representative advised me that he had succeeded in reallocating my XX/XX/XXXX payment, and that he would speak to his superiors about getting my direct loan rebate restored. On XX/XX/XXXX, I called XXXX again to complain that my direct loan rebate had not been restored. The representative told me that it could never be restored. 
I can not be the only student borrower who has fallen into this trap of attempting to target a minimum repayment to the highest-interest loan without any advisory from XXXX XXXX of the perils of doing so, and then irrevocably losing his direct loan rebate, even though he did not, in fact, miss a payment, pay late, or pay less than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX,   and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX  called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I applied for a bank account with XXXX  on XXXX XXXX and was declined stating there were discrepancies on my XXXX   report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX  FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX  is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX   bankruptcy discharges all debt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I called Navient earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus XXXX and XXXX on Monday, XX/XX/XXXX that my credit score had dropped XXXX points. I opened my credit reports to notice that my Navient student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I acquired a car loan from Wells Fargo Dealer Service onXX/XX/XXXX. When I received the car loan, I made all the payments in a timely manner but I noticed each month I was being charged additional fees. In XX/XX/XXXX, I called to find out why my payment was so high and so far behind. I could not get any information other than it had to do with my insurance. I continued calling on a regular basis to no avail until XX/XX/XXXX or XX/XX/XXXX due to the extremely rude and dismissive behavior from customer service on each call. I filed a complaint with the XXXX XXXX XXXX in XX/XX/XXXX. Wells Fargo Dealer Services onXX/XX/XXXX, explaining that they added insurance to my loan on XX/XX/XXXX. In their own letter, they admit to not sending any notices until XX/XX/XXXX, and XX/XX/XXXX. They had been charging me for insurance while I already had car insurance and before they sent notices asking for proof of insurance and not until after I was inquiring about the charges incurred. In XX/XX/XXXX my daughter was in a car accident and the vehicle was totaled. The insurance paid off the remaining balance of the original loan. However, Wells Fargo Dealers Services has put on my credit report that I still owe them {$950.00}. I continued making payments until the insurance paid off the loan. The charge of the {$950.00} comes from the insurance they added without my knowledge or permission. It was added erroneously. This is exactly like the illegal and unethical practices they have already been fined for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I XXXX XXXX tried to open an XXXX XXXX account recently. The banker told me I couldnt because I owe money to their bank! I told them I never had an bank account with them. He said he will check it I said ok he never called back! The bank account has my name but birthday is wrong everything is wrong I want it off my credit. Same thing with chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: CA

Complaint narrative:
I was billed by XXXX XXXX XXXX XXXX  for 2 tests on XX/XX/XXXX prior to XXXX XXXX. Medicare did not pay for them per summary notice datedXX/XX/XXXX and I was responsible. I submitted an appeal on XX/XX/XXXXwith medicare. I followed up with them several times, finally they issued an adjusted summary notice on XX/XX/XXXX stating I am not responsible for these charges. I informed Financial Corporation of America verbally in XX/XX/XXXX. When I received another letter datedXX/XX/XXXX from them I emailed a copy of the adjusted summary notice from Medicare which showed I was not responsible. Today XX/XX/XXXX I received another collection notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion never thoroughly investigated my compliant under the FCRA & FDCPA. -- -- -- -- -- -- -- TransUnion continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. -- -- -- -- -- -- -- OnXX/XX/2018, XXXX  received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CT

Complaint narrative:
XX/XX/18- approximately 18,000 was stolen from my Kraken Exchange cryptocurrency account.

Emails were sent back and forth, Kraken does not have a phone number.

Kraken claimed my email was compromised, allowing a hacker to steel my cryptocurrency. Kraken provided no proof of this and law enforcement does not believe this was this case.

Detective XXXX XXXX XXXX XXXX XXXX XXXX   POLICE CYBER CRIME INVESTIGATION UNIT Office : XXXX Mobile : XXXX   XXXX  Kraken is a huge exchange and I am filing this complaint because in order to get authorized to buy and sell cryptocurrency, Kraken required a great deal of proof of identity, I had a password on my account and a XXXX. Kraken states that someone was able to change my password and once in, took the XXXX off the account. This should not have been allowed to happen! Kraken sends an email when someone tries to change the password. ( I never got this email which is why Kraken believes someone hacked my email account ) Regardless, with all the proof of identity that Kraken requires, why would Kraken allow a XXXX   code to be removed with a check mark? This code was needed to withdraw funds. Why was there not more security? That should be a red flag and further proof of identity should have been required.

My complaint is against the Kraken Exchange for not securing my funds with an in-depth proof of identity when a XXXX XXXX code is removed from a clients account.

This comment was included in the files given to law enforcement : " Update, client now appears to be part of mass compromise. Review ongoing. '' Kraken advised Detective XXXX to file a complaint through CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Avant Credit Corporation
State: GA

Complaint narrative:
I was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/2018I disputed an inaccurate account with EXPERIAN. In XX/XX/2018EXPERIAN responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX  the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. I XXXX XXXX   address is XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX   and XXXX  is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on 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