vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. XXXX XXXXXXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello, My credit report was dropped due to these 4 companies Cap One, XXXX, XXXX XXXX, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, Capital one was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have concerns with how Navient handled my consolidation loan repayments since consolidation over two years ago. It appeared to me excessive interest payments and fees were charged based upon how Navient structured the loan repayment start dates so as to, in my opinion, intentionally maximize their interest rate profits at my expense.

As of last month 's payment XX/XX/2018, Navient had in place an online feature which included a running balance feature. This feature is crucial for loan repayment as it allows us, the consumer, the ability to spot any errors and to quickly spot, exactly, how our payments are being allocated. More importantly, it provides a permanent record of all transactions on our accounts. The removal of the running balance feature creates a tremendous hardship for the consumer in having to factor extensive math equations in order to keep for themselves accurate running balances.

Why has Navient removed this feature? It is troubling that Navient would remove this running balance feature, especially now, in light of the complaints filed in recent law suits alleging Navient has mishandled student loans repayment monies. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX  account. please delete ASAP

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 2018-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: URS Holding, LLC
State: WI

Complaint narrative:
Since XX/XX/2017, I told my auto loan company that I have had some medical problems and was not able to work anymore. I kept getting repeated phone calls. I have requested for lower payments also forgiveness for at least a year until I could get back to work. I would get constant calls from a dept collector asking for the full amount of money. No matter how many time I asked to talk to their manager to see what other options I have, I never received a call or any type of letter in the mail. The only letter I received in the mail was from debt collector asking for full payment. They also said in the letter that there would be judgments out against me if I dont send them the full payment of {$11000.00}. 
Like I said I have tried multiple times to talk to management to find out what other options I had. 

XXXX XXXX , XXXX  was involved along with XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I am on an income based repayment plan which must be re-certified each year. I have filled out the form from the government website three times since XX/XX/18 and each time I am told it can not be processed, claiming it is the wrong form, the signature expired, etc. I have called and told by customer service there is no reason why it was not processed and someone would investigate and call me back. Never got a call back. Second call I was told to fill it out again and did. I have included all supporting documentation. 

My other three loan servicers have approved my IBR with no problem back in XX/XX/XXXX. American Educational Services is incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
I have received notice from XXXX XXXX that experience has gotten thes collection notices but I have never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: LA

Complaint narrative:
XXXX XXXX XXXX  is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, XXXX, Equifax, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, Experian, XXXX, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.

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 2018-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

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 2018-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

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 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC
State: MD

Complaint narrative:
I wrote the following email to the 3rd party collector. I have a SHORT SALE CONTRACT on the property. I had no idea that the 2nd mortgage was sold. IO was NEVER NOTIFIED. 

In response your email I received this afternoon sir and Friday what you're saying really doesn't make any sense. 

Since the short sale, is being held up by the second lien holder which you say is you. How can you say that the QWR has nothing to do with the short sale? When the QWR, has everything to do with the short sale. 

I need the validation that you are actually the second lien holder, how can authorize Trinity Financial Services LLC to get a payment from my first lien holder on a short sale if I have no validation that you actually own my debt. 

Because of everything previously stated this is holding up the short sale. 

I have no correspondence, no notices, no phone calls, nothing on this second lien in over 10 years. I was never notified or contacted in any way by any means on the selling and buying of this note. 

Now suddenly, after all this time, you come out of the shadows put an offer on the table with no validation of who you are. 

I have decided I need to short sell this property. Trinity is well aware of everything that is going on with this property through recent communications with me via email and phone calls, and my negotiating agents.. My realtor and negotiators have forwarded the first lien holders offer to you. You have rejected that offer without showing any validation of who you are. 

You have rejected the first lien holders offer and you want a extra {$11000.00} on the HUD and yet do you want me basically to take your word that you bought my note? 

It seems to me that if you want to put this offer, on the table in front of me, asking for the additional money which equals {$11000.00}, then you need to put forth the validation before we can settle the short sale. Again, this is why the QWR is directly connected to the short sale. No one knows who you are. 

You are mistaken ; this is directly affecting the short sale. I feel like I am being redundant. I feel this is ludicrous. All we need is validation ; you are actually going to put a time frame on an offer, from a company that has not proved who they are. Can you now see how this directly affects the short sale and is connected? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Hello CFPB, On XX/XX/2018 I called XXXX XXXX Cooley/XXXX XXXX Talk to supervisor XXXX. Advised my loan # XXXX and my account # is XXXX. Told her that I filed Chapter XXXX Bankruptcy and my case number is XXXX. Supervisor XXXX said I would not receive anymore calls from XXXX Cooley finance during my bankruptcy. She also said that she knew that it would be a FDCPA violation for XXXX Cooley to call me during my bankruptcy. 


I am still receiving harassing collection calls from XXXX Cooley Finance. There collectors tell me that they will continue to call me. This is a violation of the Bankruptcy collection laws and its also a violation of the Fair Debt Collection Practices Act. On XX/XX/2018 received a call at XXXX from phone number XXXX collector name XXXX left voice mail said I need to call XXXX XXXX Cooley XXXX On XX/XX/2018 XXXX received call from XXXX collector name XXXX XXXX XXXX Cooley Finance . Talk to XXXX and she said that I will continue to receive collection calls from XXXX Cooley/XXXX  XXXX because my account is not coded as a bankruptcy account. 

Address XXXX Cooley Finance XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, Texas XXXX Companies have had to pay very stiff fines for committing these violations. Could XXXX Cooley receive a letter from the CFPB letting them know that they have committed these violations? 

Please let me know Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation