vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Submitted an online dispute with Equifax on XX/XX/2017 because of inaccuracies I discovered on my credit report ( Report # XXXX ). Following submitting the online dispute I received the confirmation number : XXXX and an estimated completion date of XX/XX/2017 ... ..It is now XX/XX/2017 and the investigation status still says " Pending '' and is well beyond the XXXX day time frame the FCRA allows them to complete their investigation. By continuing to report unverifiable information, Equifax is blatantly violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. 

The intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.

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 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My wife and I opened our accounts with Venmo which is a PayPal company. My wife transferred {$600.00} to my Venmo on XX/XX/XXXX, and then {$990.00} and {$800.00} on XX/XX/XXXX in XXXX transactions. However, Venmo froze my account and and wife 's account on XX/XX/XXXX. Next day they sent my wife and me an email to send Govt. issued ID for account verification. After I sent the docs on XX/XX/XXXX, and my wife sent on XX/XX/XXXX, they have not yet unfroze our accounts. It has been one full week and there is no satisfactory response from them. Their account team is email based. They do not talk on phone. I want to know 1 ) What process they follow for account verification? 
2 ) Is their account verification based outside of US? Because they seem to send emails at odd hours. 
They are using our money from last so many days and fail to respond and give a timeline as to when the account will release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to 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 2017-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have received my Capitol One Bank Credit Card 3 weeks ago, until now I ca n't access my credit card online, I gave them several calls from 3 weeks ago I even visited there branch office to get this fix, until now no resolution, I have been promised several times 72 hours every time I call, fast forward to 3 weeks now still no resolution not even a tracking number for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This fraudulent account. Someone open account XXXX card.It was remove credit reports now XXXX XXXX sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I disputed items on my Equifax credit report both with Equifax and the creditors. As a result, my score dropped XXXX points on XX/XX/XXXX. The creditors wore XXXX and XXXX. In XX/XX/2017 this happened also. In this case, my score dropped XXXX points. The creditors that time were XXXX, XXXX XXXX and XXXX. In XX/XX/2017, there was a XXXX point drop for the same reason of disputing items in my report. That time, the creditors were XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Altogether that is a XXXX point drop of my credit score for doing what I believed was my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Every time I had trouble making payments, the reps at Navient advised me to take a forbearance and stated " it 's okay, just put your payments on hold and then try to begin payments in a year or so ''. The additional interest rates that added to my total balance make it so much harder to pay down my balance. I switched to another lender ( XXXX ) and they have me on an reduced payment program. I feel that the interest added on by Navient should be removed so I can responsibly pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigating.  Citi Bank (    XXXX   XXXX   ) told me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant   XXXX   XXXX   XXXX   XXXX  , charged me {$6100.00} on  XX/XX/2015    and they contacted me by phone and told me their services were necessary for my online business make money, they said they got referred from   XXXX   XXXX   another company that I was working with at the time. Also they said they would implement the work that   XXXX   XXXX   was doing for me. I was supposed to get leads and visitors to my website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.

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 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC
State: SC

Complaint narrative:
ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
discrepanciesI 've noticed an collection account on my XXXX report that I was never notified of. I was XXXX and was XXXX in XX/XX/2012. I recently seen this item on my credit report and disputed it as the debt was unknown to me the time. I received paperwork verifying the debt. The information include in the paperwork is inaccurate as well as never being notified of the debt. I have copies of XXXX and can also point out the discrepancies within the documentation sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is ignoring my requests to investigate an account from my credit file that does not belong 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
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. 
Please help!

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 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hameroff Law Group, P.C.
State: TX

Complaint narrative:
I was never made aware or served any notice for court but was sued and now I have a judgement against me. I was originally sued for {$2100.00}. I am still getting harassing phone calls at work trying to garnish my wages and I receive letters telling me that my judgement is occurring interest. I have a letter that came 3 years after after my judgement with an amount greater then my judgement. I am unaware of this debt and was never made aware of any court but obviously I was n't there so the judge ruled in their favor. With this judgement on my credit report it is hurting me from getting a loan or opening any new line of credit to advance my lifestyle and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The CC company, Comenity Bank submitted duplicate payments on two cards I have with them, XXXX and XXXX XXXX to my XXXX checking account. When I called, XXXX said it was a problem with XXXX. So, I then contacted XXXX who wanted to launch a fraud investigation, but instead I opted to stop the payments, so I could reissue a single payment. Comenity Bank charged me multiple fees for the returned payments, and after contacting them, refuses to refund those fees, even though it was their error, not mine and I have since paid the accounts up to date. When I requested the refund of the fees, they kept saying the payment was stopped-rejected, which was due to their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
Hi, I 'll keep the story short. It has been quite a few years since XXXX of my XXXX private loans with AES went into default. At this point and over the last several year 's I have n't even been contacted by any agencies about these defaulted loans, so I have absolutely no idea where they stand. The reason I went into default was because I exhausted my deferment and forbearance options with AES ( www.aessuccess.org ). None of AES 's repayment options worked with my living situations at the time ( since my income was extremely low ), and they would never work with me to create any other alternatives to repay back the loans ( from approx XX/XX/XXXX-XX/XX/XXXX ). They never informed me of default risks or offered any preventative measures to stay out of default ( for example, that if I event sent {$5.00} a month it would keep me out of default ). I feel like the company did a poor job assisting me, and made the process of trying to stay afloat financially in XXXX hard, or trying to pay other bills and loans impossible. I 've always felt cheated by them, and stressed at the fact that they never helped or worked with me to avoid default. Till this day I wish they helped me lower my the payments. All their repayment options did n't take into consideration all of my other student loans, so none of them would have ever worked. They never took into account expenses and other bills either. I am currently paying all of my other current private and federal loans back without any issues. It 's just that these XXXX that went into default are partially to blame due to AES 's customer service reps that I used to get frustrated with since they were hard to reach and nothing close to a service in helping me pay back loans. They gave me no opportunities, hung up on me often ( between XX/XX/XXXX-XX/XX/XXXX ), and as I exhausted my forbearance/deferments with them they twisted my arm and said their will be repercussions ( default ) if I did n't make payments, yet they never explained or assisted me in any way to stay afloat. I feel really cheated by them and it has impacted me financially ( in the long run ), and my future aspirations in life. Everything about their customer service to repayment help options have not been helpful. I really wish their service team acted more like a service and assisted me in the process a bit better so I could have avoided default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed numerous accounts on my credit file that have not been mine or I have no knowledge of but each time the credit reporting agency comes back and states that it is my debt without providing proof that is indeed mined. The accounts are XXXX, XXXX XXXX ( which was deleted from XXXX ), and 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 non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.

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 2017-04-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a credit card balance and an overdraft priviledge balance due. I had XXXX 7 months ago that went bad keeping me out of work. The XXXX first at XXXX and then switching numbers at XXXX started robo calling 3 and 4 times a day including today, Sunday, during church services, since XX/XX/XXXX of this year approximately 3 months and 9 days non-stop. No live person from XXXX called. All auto dialing carefully designed to vexate and upset the debtor with endless calling harassment.

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 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My student loan company ( Navient - formerly XXXX ) will not help me to reduce my monthly payment amounts. They let me know that they do not reduce them for private loans, but that I could submit a federal loan monthly payment reduction. I submitted an application 3 times to the government site and have not heard back ( last submission was in XX/XX/XXXX ). Navient is charging me {$1000.00} per month and kept pushing me into forbearance. Forbearance is no longer an option and they have not offered any assistance to get these under control so I just keep accruing interest of 6-9 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan was in forbearance with Navient from XX/XX/2011 to XX/XX/2011 and they reported a 30 day late payment in XX/XX/2011. This is incorrect and they are hurting my ability to use my credit and need to fix it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Wrong employer on Transunion Credit Report. My current employer is XXXX XXXX XXXX. They have wrong employer information.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with Experian and XXXX I noticed a lot of unauthorized hard inquiries on my report. I called Experian and XXXX several times and also disputed those negative items and they have not been removed. On my Experian report the only items that shall remain that I authorized are from XXXX, XXXX and XXXX Credit Card. There are some from XXXX that should of fell off in XX/XX/2017.

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 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
Credit Control Company, has been reporting me for years of having a delinquent account for a cable bill that was paid on time with the cable company upon terminating my service. I have disputed this with the credit bureaus and I have had no resolution. They are even reporting the same balance twice under XXXX different accounts! They have not provided any substantiation of the debt and their customer service is awful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation