vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX charges excessive interest fees. I paid an interest fee of XXXX dollars for a purchase as a late fee in XXXX. I had no balance and made no purchases to the month of XXXX. I was charged XXXX for an interest charge on no purchase and no balance. When I called customer service I was told that the interest charge was for the past month as the interest was calculated from the last month. I did not really know what this meant. This makes no sense and the billing makes no sense. I have several charge accounts and have never heard of anything like this. It seems like a gimmick to collect extra money for nothing. I spoke to customer service and the rep tried to explain the charge to me. It still make no sense. The interest charges are calculated to be paid twice as I understand it. Nonsensical again. It is not the amount that matters but this policy is clearly fraud. You ca n't charge interest twice as this store is doing. I had no purchase and no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed three times with XXXX and equifax that XXXX has a secondary account reporting to my equifax credit report. I also recently sent out a 609 letter via certified mail. I only have one account with XXXX. This account has a high utilization and is bring my credit score down. The amount on the account is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: FL

Complaint narrative:
I have my student loans through navient, they never mentioned to me about the income driven repayment plan, they only kept assisting me to have a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: CO

Complaint narrative:
Experian is listing an account as XXXX XXXX. The number they gave me to verify is not even to XXXX XXXX. The information that they are reporting is incorrect yet they refuse to remove it. XXXX re-investigated my dispute and it is listed as an account in good standing, paid as agreed with XXXX terms. I am attaching proof that Experian is not validating or verifying the account with the correct vendor. They are liars and have continued to keep XXXX XXXX as a negative account even when the other two agencies a have either deleted it or updated it as paid as agreed and no late pays because it was never late. Now that I have the proof that I need if Experian does not delete the account I will be suing them and asking for the courts for a XXXX fine per the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: FL

Complaint narrative:
XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: WA

Complaint narrative:
I paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to Transunion and XXXX that the account was paid and closed. I filed a complaint with Transunion and XXXX. Transunion still shows that I have a balance, which is incorrect. I called Transunion and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY 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 2017-08-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to XXXX and Equifax that the account was paid and closed. I filed a complaint with XXXX and Equifax. XXXX still shows that I have a balance, which is incorrect. I called XXXX and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Northern Trust Company, The
State: TX

Complaint narrative:
In XXXX XXXX 2017, I submitted online a bill pay to an individual for {$3500.00} via my account with XXXX, XXXX XXXX XXXX ; the check was issued on X/XX/2017 by Northern Trust. After the payee received the check & attempted to deposit {$3500.00} to her own bank account, her bank/credit union however could n't deposit the funds because of " Return Reason - Refer to Maker '' dated on XXXX XXXX, 2017. I opened a case with XXXX via phone call. I then received a call on X/X/2017 from the corporate office telling me that the check was cleared & issued as submitted ; later on the same date, I emailed XXXX the photo/file of the returned check : refer to maker that I received from the payee 's bank. On X/X/2017, I called XXXX & Northern Trust to find out why my payment to the payee was returned or stated 'refer to maker ', I was simply informed by agents at XXXX & Northern Trust that the check on X/XX/2017 was issued and I 'll receive a copy in the mail in a few days. I stated that we all know that the check was cleared on X/XX/2017 after my bill pay request, but both XXXX & Northern Trust did n't answer my question as to why the check was n't cleared by the payee 's bank returned nor to further investigate as to why the check was returned -refer to maker. For whatever the reason, the check is not good ; therefore, I 'd appreciate a sincere effort from both XXXX & Northern Trust to look into & resolve the matter. Should the old/bad check need to be voided and another check to be issued, please expedite the process as my payment to the the payee was way past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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:
0n XXXX XXXX, 2017 I received a letter allegedly from the XXXX XXXX XXXX XXXX  attempting to collect a student loan by Treasury offset. On XXXX XXXX, 2017 at around XXXX XXXX., I placed a call to the number listed in the letter ( XXXX ) in an attempt to get more information on this account. I was told by the person that answer the call that the total amount of this alleged debt was over XXXX. I told the employee that the amount was totally wrong. 
In the letter the total amount of the debt is listed as around XXXX ( copy attached ). 
The number listed on the letter belongs to XXXX XXXX XXXX XXXX, a loan servicer and a debt collector. It is not clear who is trying to collect here and what the amount of the debt is. 
On XXXX XXXX, 2017 I sent a certified letter to the XXXX XXXX XXXX XXXX requesting validation of this debt ( copy attached ). To this point it is unclear if the letter I received was sent by XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX. 
I am a veteran and after honorably serving this my adopted country with pride at least I believe I could request that the CFPB help me with the investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: CA

Complaint narrative:
I was pre-approved for a mortgage with XXXX XXXX prior to looking for property. We found a New Home from CalAtlantic Homes ( XXXX XXXX XXXX, CA ). They told us that " We Must '' use their mortgage company or we could not write an offer or put a deposit down on their home. I did as I was requested. CalAtlantic mortgage ran my credit 3 separate times, only receiving my authorization for ( 1 ) time. They pulled on XXXX XXXX, 2017 ( original date we had to apply with their company ), next on XXXX XXXX, 2017 ( without my consent ) and the third time on XXXX XXXX, 2017. They tell me it was because they used a company called XXXX XXXX ( a re-seller of XXXX credit reports ), XXXX XXXX sent an e-mail to me stating that " they do not '' run my credit. I want to have 2 of the Hard Pulls  removed as it has made my FICA score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: NC

Complaint narrative:
I have contacted XXXX XXXX several times about this account reporting on my transunion credit report and neither time could they find an account with my name but it 's still an account listed 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
Consumer complaint received 2017-08-04 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: WI

Complaint narrative:
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: WI

Complaint narrative:
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, Experian and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on 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 2017-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Complaint XXXX, Navient stated in their resolution that they would not contact me via auto dialer but did so again on XX/XX/XXXX at XXXX XXXX. Also request from validation was made and has not been full-filled. Company threatens via mailings to place negative reports on credit report during validation/investigation process all violations of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my credit report with Transunion I had a total of  XXXX  inquires on my credit report, there was a glitch in there system summer of   XXXX   that caused inquires to be placed back on my credit report that was already removed, The glitch happened again early   XXXX   causing more inquires to be added to my credit report. I have tried filing a dispute online as well as over the phone and was told there is nothing they can do. I was not notified in writting that these items will be added back to my report withing 5days from after the glitch happened, my rights were violated and this adds a hardship to 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