vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
in XXXX we order XXXX service but had to cancel becuase bad service but was still bill XXXX in now in collection ics collection refrence # XXXX and acount # XXXX tel XXXX XXXX XXXX XXXX ic system im not working know im home sick from XXXX and this company is harasing 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

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 2020-04-27 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: CA

Complaint narrative:
Navient has been incorrectly applying my overpayments for years. After months of trying to rectify the situation, Navient had me go through an online process. Payment was made on their website and no error message appeared. 

The next month Navient charged me a late fee. The payment did not go through due to a technical issue on their end. 

As far as the overpayments, I have requested that the overpayments go towards the account with the lower payment. Navient refuses to apply the overpayments to the account at my direction. 

While trying to rectify this situation, Navient falsely represented that they reversed the improper charges. 

Bottom line is Navient is illegally charging a late fee and not crediting the appropriate account with the overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I was notified that a collections account from States Recovery System was put on my credit report back in 2017. I immediately disputed with the credit agencies indicating that States recovery system was in violation of my rights. Specifically, Articles 2.1, 2.2, and 2.3. Later, I wrote 2 letters to States Recovery System via US mail to request a copy of when I was first noticed, when the charges took place, the amount, the person who authorized the service, and a copy of any documentation that the account was valid. I received nothing. More importantly, I never heard from anyone via mail, phone, or anything else within 5 days of them placing this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/2020 I requested a credit line increase which shouldn't have resulted in a hard inquiry because I already had an established line of credit with updated financial information and everything US Bank needed was provided by soft credit check. 

The bank web page is very misleading and unethical. it leads you to credit request increase link and you don't fill out any information and it automatically does a hard credit pull on your account! I tried to reach out to them to revert that and ask the credit bureau to remove it but they declined citing a piece of paper they sent me when I signed up for the credit card years ago?

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My first statement and payment w/ XXXX XXXX ( Comenity Bank ) was due on XX/XX/XXXX, was waiting to pay until the last date due to my husband being furloughed and my salary cut 35 % with COVID19. I was a day late ( didn't realize a statement could be due on a weekend ) and paid the morning of Monday, XX/XX/XXXX online - at that time the account did not show any late or interest charges and showed I was paid in full. I just got a bill for {$100.00} ( {$29.00} being a late fee and {$77.00} being the interest charge ). Discussed the matter and they'll only waive {$15.00} for the late fee but won't waive the interest. I said I want to cancel the card then but have a custom order item ( placed 2 orders on the card in XXXX, one was delivered - hence the XX/XX/XXXX statement and the other is due in XXXX ). If I cancel the card, I'll get a fee from XXXX XXXX for the cancellation of a custom order but I don't want to have it on the Commenity Card because I feel their customer service in this specific situation is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclay charged me fees on a XXXX balance account after the account was closed and reported a balance from the fees to a credit reporting agency, 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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
We had XXXX XXXX. We were submitted a final bill. I paid the bill and returned the equipment. We received a confirmation that the equipment was received. Then about a month later we get another bill. I called them and asked what the bill was for. I told them we paid our final bill, so I didn't understand. They gave us no reason other than you owe them an XXXX charge. This also happened to my neighbor and my mother in law. No explanation and same amount charged. This is a scam and then they threaten to report us to the credit agency. This is a consumer scam. People pay it because they are afraid to be reported. Look at my credit. Do I appear to be the type of person who doesn't pay my bills!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
RAPID AUTO LOANS TREATS TOWARD ME AND MY FAMILY IS WAY TO MUCH. 
XXXX YHEY WANT DUBLE THE MONEY FOR LOAN, NOT FAIIR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My job filed for partial unemployment, two weeks have gone by everyone has received card yet im the only one waiting, and I have checked and it has indeed been loaded with money multiple times. I really need my money and have faced 3 hour wait times no one answers. I have bills to pay and kids to feed. Thanks a lot XXXX for being absolutely no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Back in XXXX of XXXX I left XXXX XXXX and took my phone service to XXXX. 
I received a collection notice from XXXX XXXX XXXX. I disputed the charges because they were charging me for phone service when my number was now owned through XXXX  XXXX. 
The charges were removed immediately. 

Jefferson Capital LLC has continued to repeatedly add this collection to my report. Making it look like its a new account. I have had them remove it two times prior. in XXXX of XXXX in addition to another time in XXXX. This time it says the account was opened in XX/XX/XXXX and I owe XXXX on XXXX and XXXX. 

I have never received a call or piece of mail about this collection. 

I have called multiple times and this last time was a threat they were going to add things to my report and hung up. 

Jefferson Capital LLC is not licensed in the State of Florida to collect. Their license was terminated back in XXXX. License Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: R.A.Rogers, Inc.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX I paid off an account that was in collection over a month ago. Ra Rogers ( XXXX XXXX ). This account is not coming off of my credit report. It is still showing a balance of {$470.00}. I disputed this transaction with an attachment from ra Roger showing this has been paid. The dispute was denied stating the information reported is correct. I would like this to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-04-27 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: TX

Complaint narrative:
Transunion did not perform a reasonable investigation. I've disputed my XXXX Consumer account ( # XXXX ) with Transunion multiple times over the Terms being incorrect and asking for deletion. The last two dispute, I even sent the actual contract. The contract says 72 months but XXXX  changed it from 77 to 74. How does this happen? How can you investigate with possession of the actual contract yet you let this creditor get away with posting the wrong info. This has gone on for months. 

Also, I've disputed XXXX XXXX due to incorrect payment status. The loan was paid in consolidation. it says it's closed and 120 days late. How can this be. I asked for deletion of this account but the inaccurate info is still there. 

Trellis company. Multiple disputes on XXXX  ( proof attached ) and Terms of the ordinal creditors loan. How did they verify this information. XXXX  is XXXX of XXXX. How did you verify my terms to be " XXXX  ''? who did you speak with? How much was the monthly payments in which i defaulted on? 

Bank of Missouri : information was verified as correct, but they did not list a human who verified this or show what documents back up the XXXX. 

Finally, XXXX XXXX, disputed the account was overaged yet they verified the DOFD to be accurate. I'm confused as to how that can be. 

I DO NOT believe Transunion conducted a reasonable investigation on any of these accounts,

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 2020-04-27 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: CA

Complaint narrative:
I reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
Called SLS numerous times : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The tel. no. on their statement : XXXX ( no one EVER answers this tel. no. ), was transferred to : XXXX no one answers this no. either! UNABLE TO REACH A REP. SLS called me back on XXXX on XX/XX/XXXX and was disconnected twice! Unable to get confirmation from SLS that my automatic payments ( {$1200.00} ) deducted from my checking acct. have been cancelled. SLS continues to do automatic withdrawals, even though I have requested for a COVID-19 forbearance onXX/XX/XXXX at XXXX XXXX  ( Hi time ). Need my current funds for FOOD and SHELTER. SLS continues automatic withdrawals from my bank acct. Every time I call SLS, a robot informs me to continue making my monthly mortgage payments! PLEASE HELP! This company is unwilling to help customers in need. They do not have anyone answering phone calls at : XXXX XXXX XXXX XXXX. Their customer service DOES NOT exist. How can a legal operation stay in business without telephone service for their customers? Do not use this company if you do not own a computer! DO NOT USE THIS BANK! Very frustrating to get ANY type of information on the phone. YOU HAVE TO USE YOUR COMPUTER! They do not answer the telephone, ever! You always get the same recording : " due to high call volume we are experiencing a long wait time ... ... ... .. '' No one will come on the phone after that. I don't think they are a legitimate bank at all. I inherited SLS, originally I had a different bank. Never heard of SLS until now. What a SCAM! Attached is the permit for my " legal BED & Breakfast ''. ALL BOOKINGS were cancelled for XXXX, XXXX, XXXX and XX/XX/XXXX. Over {$160000.00} LOSS OF INCOME. This does not include an additional {$55000.00} in cancellations from XXXX to XX/XX/XXXX, due to Mayor XXXX XXXX 's Stay At Home Order, to cease all vacation rental operations. Go to : XXXX XXXX XXXX for confirmation of ORDER. You can call the XXXX for rules regarding short term rentals : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. Hawaii is in the mist of a financial crisis due to no more tourists allowed in Hi without a 14 day quarantine!

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 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, XXXX  and Experian. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.

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 2020-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

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 2020-04-27 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: CA

Complaint narrative:
I reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

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 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivable Asset Management
State: AZ

Complaint narrative:
First communication with company was on XX/XX/XXXX. A voicemail was left on my phone from number XXXX XXXX XXXX XXXX from XXXX XXXX, presenting herself as a case manager from Kramer and Associates, advising she needs mine or my attorney 's statement for a time sensitive matter and left call back number of XXXX XXXX XXXX XXXX, referencing case number # XXXX. I called them back and expressed my frustrations how they are attempting to collect on such an old debt when they know the country is experiencing a pandemic and this whole ploy is just to collect the stimulus money of hard working individuals. When I asked for their corporate address to further express my disdain with their collection tactics, I was hung up on. They blocked my number, and every time I call from my phone XXXX XXXX XXXX XXXX, I get rapid busy signal. Today, XX/XX/XXXX someone from the same number XXXX XXXX XXXX XXXX called me again, and left a voicemail that said " go ahead and serve her with court date '' and disconnected. When I tried calling back I received rapid busy signal once more. I have copies of voicemails if needed. I am not able to save and upload.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted equifax in XX/XX/XXXX regarding not able to access My Equifax account. After multiple attempts to talk to a human, I was told to mail proof of identity which I did in XX/XX/XXXX. After hearing nothing for 4 months I filed a complaint with CFPB. Here is the problem : I go to log into my equifax and it tells me to call an 888 number. after 8 minutes of prompts, then the computer states it will verify my identity by asking questions from my equifax report ( which I just received a copy of due to previous complaint ) and the  questions asked have no correlation to me or my equifax report. A recording comes on and states I need to send my proof of identity in to equifax, which I did on XX/XX/XXXX and still haven't been contacted except for the response to prior complaint, which did not address the original complaint. Can my login be reset so I can access my equifax account?

Company response to consumer: Closed with explanation