vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I mailed a certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018 requesting validation to an account showing on my Credit Reports as Charged off. This letter included the account number as shown on my credit reports, and all of my personal information. USAA did not reply. I sent another certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018, again requesting validation to their reporting on my credit report. On XX/XX/XXXX, USAA replied with a letter stating that they received my request disputing information on my credit report, and they will not investigate this dispute. On XX/XX/2018, I sent a third certified letter, which was signed for on XX/XX/XXXX, by USAA. This third letter stated, USAA has still not validated this account, nor have they marked it disputed, which violates Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.  USAA replied back with another letter dated XX/XX/XXXX, stating they received my request disputing information on my consumer report, and they will not investigate the dispute further, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CSO Financial
State: OR

Complaint narrative:
I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
The Receivable Management contacted me in XXXX, in reference to a debt owed to XXXX XXXX. I stated to the collections company to stop contacting me, due to the fact I do not owe Receivable Management monies. They area third party hired to collect on a " paper '' debt from another company in the amount of {$130.00}. I specified to " XXXX '', there is not a debt owed to Receivable Management by me, due to no contract. By law, there is no documentation in which services was rendered or provided through a written contract in which there is a debt owed. The agent " XXXX '' stated to me it will show on my credit report and cause me to not be able to apply for credit. She continued to raise her voice after I stated her contact was illegal in that tone. There was another call 2 days after from a male agent who insisted on forcing me to make a payment plan for the XXXX. I do not owe any monies to Receivable Management and the agent told me that was a lie. I continue to get multiple calls even after advising them to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: AR

Complaint narrative:
I submitted XXXX XXXX XXXX a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to XXXX. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had these two credit cards for many years, but between XX/XX/XXXX and XX/XX/XXXX,  besides my own medical and dental bills, I was taking care of my elderly mom and got my two Mastercard credit cards with Capital One maxed out. Approximately a year ago I requested that Capital One please freeze my accounts, stop all interest, and let me continue to pay on the principal balance. They would not agree to that. I also offered a {$12000.00} payoff v. the balance of approximately {$16000.00}, and they would not agree to that either. 

I was on a plan for lesser payments, but ultimately they kept requiring me to catch payments up, including late fees assessed for not making full payments, and of course interest. The amount of interest being charged monthly is more than the payments I was making. I tried to settle with them, but nothing has worked. I can not afford an attorney for bankruptcy at this time, and their payment requirements are now beyond reach. 

I was going to utilize another credit card for a no interest period, but my credit has been destroyed and my other card now has only {$1000.00} available, not the {$12000.00} I had available when this started with my trying to settle with them over the last year or more. 

I have now paid so much interest that I have more than likely paid at least half of what would have been the original balance. I would like to see if you can help in any way. I think Capital One should have let me pay on the principal balance and stopped any interest from accruing. 

According to our Constitution, interest is not legal, and maybe some day that can be enforced again, but I would ask at minimum that they reduce the balance due by removing all interest they have charged me, at least for the last year or so that I have been trying to work with them, and also late payment fees while I was making the lesser payments they agreed to.. 

They told me it would save my credit report if I made the lesser payments under their plan but obviously that has not been the case. 

I finally stopped making payments because, as I said, the interest continued to be more than any payment I would make. Since discovering MasterCard is also providing funds for the invasion of illegal immigrants into our country by providing them with prepaid debit cards, it is my feeling that they should release all debt and clear my credit report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX placed my loans in deferment because I was returning to school for graduate education. However, I never requested this change. I was not asked to accept or decline this change. Therefore, for the last three months, my auto debit stopped and extra interest has been accruing. I would like something done because, if I allowed this issue to continue longer, the accrued interest could become significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2015 bankruptcy was never totally file cancel no XXXX  never started

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I deposited a check for {$8600.00} at a Chase ATM on XX/XX/2019. The check was a reimbursement from my insurer for damage to my home. The deposit was credited to my account and then on XX/XX/2019 the entry was reversed. On XX/XX/XXXX Chase sent a message that the check deposit was rejected. Chase did not provide any steps on what I should do next to receive the funds. 

The check was made out to three individuals : ( 1 ) Me, ( 2 ) a public insurance adjusters, and ( 3 ) the holder of the note on my mortgage. After spending 40 minutes on a call with Chase, they told me that I could not deposit the check because the check had to be endorsed by both me and the public adjuster. But the check was endorsed by me and the public adjuster. It was only after I insisted for 40 minutes that Chase accept the check did the representative check with her supervisor, who pointed out that a third entity -- XXXX XXXX didn't endorse. She said they would send a legal copy of the check which could then be endorsed at a Chase branch. 

Then I asked, " So do I have to take this to XXXX XXXX? '' " No, '' she replied This is a stupid conclusion if you think about it : if XXXX XXXX doesn't have to endorse the check now, why did XXXX XXXX need to endorse it then? 

On the next business day I take the check to a Chase branch. Guess the response : " You have to take this to XXXX XXXX. '' Because of Chase 's delay, my checking account was low and I nearly bounced checks. If I didn't maintain sufficient funds and bounced checks, who do you think is going to be responsible for that? Is Chase going to reimburse me because their misinformation delayed the deposit of the funds that I urgently needed? I bet they wouldn't. 

If I didn't affirmatively reach out to Chase to ask what the next steps would be to deposit the funds, was Chase going to call me and tell me what to do? Doesn't look like it. 

Chase should have to implement a training policy on cashing checks related to insurance claims and communicating with their customers. It's not fair to consumers who need funds immediately to repair their homes that were damaged. Currently my home is missing large sections of its floor, the air is full of dust and I have to live there without being able to move forward with repairs due to Chase 's idleness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: CO

Complaint narrative:
As I graduated from the University XXXX XXXX in XX/XX/XXXX as a single mom my student loans became due. At various points throughout my repayment plan I needed an income based reduced payment plan. Navient NEVER offered me anything other than forbearance or deferment plans with accumulating interest. I could not afford full payment so I had no option. When I requested Navient review of my loans due to being a single mother working full time in the XXXX XXXX XXXX field as well as living in Section 8 housing and still not able to consistently pay the full amount of my monthly payments due to the non-negotiable 8 % interest rate I was told by Sallie Mae and then Navient that I didn't qualify because I had no property with which to secure the loan. 
My student loans, due to interest from these periods have now more than doubled to over {$100000.00}. In XX/XX/XXXX when I heard about the option for income based repayment with Navient due to their illegal practices prior, I immediately applied and was approved. 
THE PROBLEM Due to all of the accumulative interest, my now " income based '' payments don't even cover the ongoing accumulative interest on the principle plus interest balance of over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
On XX/XX/XXXX I called navient about my private student loans at XXXXXXXX XXXX  to cancel my XXXX payment. I was then told I would be removed from the rate Reduction Program and I would have to call back in XXXX to reinstitute the rate Reduction Program so I could resume payments. Previously my account was put into the rate Reduction Program in XX/XX/XXXX. I called today XX/XX/XXXX as instructed, to reinstitute the rate Reduction Program for my private student loans I was then told a payment had been already posted to my account on XX/XX/XXXX for the agreed-upon amount from the terms discussed in XXXX of XXXX. The navient employee I spoke to said that I had received unclear information from the XX/XX/XXXX phone call, he told me that the agent may have said could vs. would as far as being removed from the program either way the problem was and a payment of {$300.00} was removed from my account without my knowledge when the agent on XX/XX/XXXX told me my payments would be canceled and I would have to subsequently call back to re-enroll in the program. I spoke to navient for 54 minutes discussing this problem there is nothing more to do at the time I want to lodge my complaint and I want this to be evaluated because this is not the first time that I feel as though I have been deceived or misled by this lender as well as other lenders such as XXXX XXXX and Sallie Mae when it comes to my private student loans in the past. I have never had a specific example with dates and times as to my feelings about being misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Please help me to understand what made you close my case, Ditech has not corrected anything, in fact, it has gotten much worse. I sent by email responding to your closed case email, copies of the loan modification and 2 years of payment history showing no missed or late payments. I can send them again if you need. I respectfully request an investigation and recompense. If you are not able to help, kindly direct me to a Consumer Protection Agency that will look into this. Ditech continues to misappropriate my funds in unlawful ways. I have attempted to reason with them so many times, I have lost count. I am XXXX and this continues to be a tremendous hardship for me. Please, someone needs to look into this. Thank you for your time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased 4 tires at XXXX XXXX located at XXXX XXXX  XXXX XXXX, NC XXXX and used my Synchrony Bank Credit card to take advantage of XXXX XXXX zero / differed interest if balance is paid in full within 6 months. My balance {$600.00}. 

I made early and consistent payments : My first bill was not due until XX/XX/XXXX. 
My original purchase of {$600.00} on XX/XX/XXXX. I paid : {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX {$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
{$130.00} paid on XX/XX/XXXX and they debited my bank account on XX/XX/XXXX and charged me a late fee. 
When I noticed my paper statement showed late charges. I called Synchrony Bank at XXXX on XX/XX/XXXX and the representative said I could not pay early but did refund back to me the late charges but they did notify the credit bureaus of late payments ( I have an 800 plus credit score ) and was never late but in fact early and they did not offer to correct or retract those comments to the credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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:
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, XXXX  and Transunion refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX- this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this  account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.

Company response to consumer: Closed with explanation