vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Harvard Collections, LLC
State: IL

Complaint narrative:
I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.

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 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Finally, after multiple complaints, XXXX XXXX XXXX and XXXX provided proof to the CFPB that XXXX XXXX, dba Orchard Bank, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Being contacted and it has been reported on my credit report that I owe money to a company named XXXX XXXX. I do not know what this is I do no owe this company money. I sent a letter to Allied collections telling them this and asking for them to provide a signature proof that I owe someone money. They have not responded or provided any proof of signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of their actions.

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 2017-08-15 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XX/XX/XXXXon my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: TX

Complaint narrative:
I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017,  who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of 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 2017-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

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 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Being contacted for a loan that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX on my behalf XXXX XXXX XXXX mailed a check for {$5600.00} to the address Citibank gave to them : Citibank Express Payments XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The tracking # was XXXX XXXX. Shows delivered on XX/XX/XXXX at XXXX, receiver signed as " XXXX ''. I have the cancelled check, which cleared XXXX on XX/XX/XXXX. Since XX/XX/XXXX I have been in contact with customer service at Citibank via the phone number on the back of my XXXX XXXX AAdvantage Mastercard- XXXX to inquire why this check has not been posted to my account, multiple time over the last 2 1/2 months. I have record of who I talked to each time, and what they told me, if you need that information. I have faxed a copy of the cancelled check at least 6 times, to 4 different fax numbers. I have mailed my documentation to the PO Box I was given ; tracked it ; it was at the PO box on XXXX. ( XXXX XXXX XXXX XXXX XXXX SD XXXX ). This most recent interaction I talked with a " supervisor '' by the name of XXXX XXXX from Missouri. Each time I have been told that a person will call me back- they NEVER call me back. This has happened with at least 3 different " Supervisors '' including one from Payment Investigations. I have been paying Citibank and XXXX BOTH for this money and paying interest to both. I am completely frustrated as to WHY Citibank continues to tell me that I do not have enough documentation for my claim ( which they send via letter ). Can anyone help me with this?

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 2017-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I am in XXXX XXXX XXXX and not sure how this happened. I am known to pay my bills on time.

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 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Company
State: PA

Complaint narrative:
I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: NC

Complaint narrative:
Navient keeps claiming that I am " in grace '' when I am still in school. They attempt to have my loans turn from in grace to needing to be paid. They do this all the time. They keep doing it. Nearly every year I have to go to my school and have a paper faxed to them. They always claim that they do not receive it. I have to rush back to the school and mail it and force someone to sign for it. The times I have not they claimed they did not receive it. I asked them if they had someone who ran around the office pulling faxes out of the machine and throwing them in the trash. They hung up on me. Most of the customer service people who answer I can not understand as they outsource. I believe that they can not understand me as well and this causes problems and break downs in communication. I am tired of Navient XXXX me over. Instead of being able to concentrate on school I, instead have to concentrate on making sure my loans are not going in to default or forbearance. They do this every year!! I know they want the money, but to file false all these false allegations really annoys me. My roommate has loans serviced by XXXX XXXX and they do a wonderful job. I wish we were allowed to choose our loan servicers. I would never have chosen Navient knowing they were XXXX XXXX. The business practices and the way customer service treats people are deplorable! They claim to want to help, but told me that I would be better off using my student loan to pay my student loan if I was still in school?! Why would a company tell you to use your loan to pay off your interest?! I want my loan servicer changed. I want the ability to change whom my loans are serviced through. I do not want to deal with Navient. They do not have good or even scrupulous business practices.

Company response to consumer: Closed with explanation