vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since XXXX, 2017 my three loans serviced by Navient have raised my interest rates by 1/4 % three times. My rates have gone from 5.5 % to 5.75 % to 6 % to 6.25 %. Every time I call ( the first time on around XXXX XXXX ) I have been getting the run-around and bounced to different agents at Navient that tell me I can not consolidate this loan or lock in the current interest rate. I 've been informed that I must simply allow my interest rate to rise without having the power to do anything about it. I asked to speak with a superior or manager and they have refused to connect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.

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 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This debt, I believe goes back to XX/XX/XXXXor XXXX. The debt is a phone bill from XXXX XXXX. They lied, mislead, me on a promotion with regards to internet, which was just starting to really take off. I think it was 1 or 2 months bill plus ETF. The details are a little foggy, it was close to 20 years ago. I think the statue of limitations may have expired. XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXXand it 's public knowledge that they receive a lot of complaints about their misrepresentation of products.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

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 2017-11-28 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: PA

Complaint narrative:
XX/XX/XXXX I called Equifax advising them that there was fraudulent activity possibly on my avcvoubt due to numerous multiple inquire that I did not authorize nor was aware of. They investigated and advised that there were some that the verified with the companies but would not give me any information. When I tried calling several companies listed they suggests that I called Equifax again because there was no investigation nor disputed. One company being XXXX/XXXX XXXX XXXX and one being XXXX XXXX. On XX/XX/XXXX I called and tried to investigate them again. I was told that the investigation was initiated and since there was a fraud alert on my account the fraud department would be handling the investigation. I called back XX/XX/XXXX to check the status of My disputes and was advised that hard inquires are not able to be removed. After explaining to him my conversation with a representative that prior week, he still said there was nothing I could do. I then spoke with a supervisor who advised me the same thing and suggested there was nothing I can do to have these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: World Acceptance Corporation
State: IL

Complaint narrative:
Account was paid.Keeps reappearing on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: MN

Complaint narrative:
My name is XXXX XXXX XXXX did try everything that I can thru Experian and they are not providing any documents. While other credit bureaus they corrected. the despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I 'm sincerely requesting a copy of ANY original documentation if not please promptly DELETE all information which can not be verified I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account Account Name XXXX XXXX Provide Physical Verification Account NumberXXXX Unverified Account

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )

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 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
This evening, XX/XX/XXXX, my son received a message on his phone for my XXXX son stating that my XXXX son was being summoned to court, and he needed to call the number that was given. I called the number back myself because I represent my son whenever possible because he is XXXX unable to represent himself in most cases. The person answering the phone said his name was XXXX and he represented XXXX XXXX. He told me that my son was being summoned to court for a debt from XXXX XXXX XXXX in XXXX for a bill in XXXX. I tried to explain to him that my son is XXXX and that he was covered under XXXX and XXXX for the time in question. He argued with me and said I was wrong. I told him we had been at XXXX XXXX for many XXXX, XXXX or more and that I know there was a mistake because there are no other bills. He continued to be rude saying I would be made a fool of in court, and told me that I must be the reason my son is XXXX. I hung up the phone at that point but told him I would be reporting him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
I 've been off work due to illness for the past 8 months no income at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

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 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: MS

Complaint narrative:
rec XXXX XXXX XXXX, XX/XX/XXXX, paid, XXXX XXXX XXXX XX/XX/XXXX, PAID, XXXX XXXX XXXX XXXX XX/XX/XXXX PAID. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX.PAID. XXXX XXXX XXXX XX/XX/XXXX OVER 10 YEARS OLD XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX  XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XXXX, XX/XX/XXXX, PAID XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We checked our credit scores today XXXX/XXXX/17, and notice that our XXXX XXXX XXXX XXXX card had lowered our credit balance from XXXX XXXX down to XXXX dollars with out notifying us of these changes. 
When I called the customer service line on XXXX/XXXX/17 at XXXX I spoke with customer representative, XXXX # XXXX. I asked her when and why our limit was changes without any notification to us. 
She replied, the change happen on XXXX XXXX and apologize that no letter was ever sent before the credit limit was set to change.Also id we, wanted a letter we were suppose to ask for one. 
I asked her to give me to the department that could correct our credit limit. 
She told me we would have to go back through the credit review and wait for approval. 
This is not okay for them to have to check our credit again. When we were never notified our limit would be changing due to inactivity on the account.

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 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Received a reply from TRANSUNION today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Concern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or  Bankruptcy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgement or tax liens. A Bankruptcy filing is public information. Again, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my 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 you 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 your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2017-11-28 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I filed 2 previous complaints and the information provided by Experian in response attempted to obfuscate the issue. I also just learned that Experian has retaliated against me for filing complaints against them and lowered my credit score again. They first lowered my credit score in XX/XX/XXXX in response to my requesting a Security Alert and a Security Freeze from XXXX and Experian. Experian has not addressed the question - at Experian, can an individual 's FICO score be negatively impacted if an individual requests a Security Alert or Security Freeze from a credit bureau? 
The question the CFPB should be investigating is why is Experian lowering individual FICO scores when the individual requests a Security Alert and/or a Security Freeze in response to the XXXX breech. XXXX responded that they are not responsible for the FICO score and that their algorithms are so complex that they do n't know how a person 's credit score is calculated. After filing my complaints, they further lowered my credit score in retaliation. I have only 2 credit cards. I pay off my 2 credit cards each month ( if I have used them ) and never have a balance carry over. I have no debts other than a mortgage and have never been late for a bill, mortgage or loan - never. And Experian lowered my credit rating twice - it appears now that it is a retaliatory action. It is ridiculous to respond that it is the lender that determines the FICO score. I get my credit score through my credit card. I have learned thru an elected official 's office that they have received the same complaint from other constituents.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Balance account paid no charge off or balance owed.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Balance account paid no charge off or balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Balance account paid no charge off or balance owed.

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