vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
I do not owe anybody any money. I think I am attempting to being scammed. There is no person to talk to, all I am allowed to do is push buttons and I am afraid to do that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further.
I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX I revoked a Navient authorization to direct debit my bank account. Navient continued to automatically withdrawal the money anyway. I called and complained and they put it back. I never agreed to direct debit again. In XXXX through XXXX, in order to fraudulently induce me to provide direct debit to my bank account, the collections team promised me 3 % interest on my private bar study loan. I agreed to these terms and granted direct access again to my account. Thereafter, without warning or notice, Navient increased my interest rate to 14 % as on XXXX XXXX and continued using the fraudulently procured direct debit access I provided under the false premise the loan interest rate was 3 %. On XXXX XXXX XXXX, I called Navient irate, and told them I never agreed to the 14 % interest rate and they are demanded to immediately cease all direct debits. I followed with a written email for proof. They continued debuting my account on XXXX XXXX, XXXX. This is blatant fraud in the inducement and theft. They need to be help accountable for this unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I called XXXX XXXX to just have my address changed. Apparently the representative reported the card as lost/stolen closing the account resulting in my credit score to decrease 50 points! I called the bank numerous times to have this fixed. On one attempt the representative said she would add a note to the account for the next report. I saw on my report where the remark was added & account was removed. Now a month after the same account has beed re-added resulting in my credit score decreasing 50 POINTS AGAIN! I contacted XXXX XXXX & the representative said he is unable to help so he will transfer me to a supervisor which was clearly of NO HELP either! The supervisor showed no type of remorse or care regarding the situation. I was told they will have to listen to the first call about the address change & was unable to do so at that time so I will have to wait 72 hours! This is absurd! I have worked hard to maintain GOOD CREDIT to have it ruined NOT by non/late payment but by people who clearly do n't know how to do their jobs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
My monthly loan payments ( w escrow ) are made from XXXX XXXX XXXX XXXX from XXXX. KS through their bank webpay. This process has been ongoing without issue until XX/XX/XXXX. The usual payment of {$1400.00} was sent from XXXX XXXX XXXX XXXX as usual into LoanCare and was cashed on XX/XX/XXXX. Loan Care claims that they didnt received the payment???? I became aware that the payment was past due in early XXXX in reviewing my monthly statement. Since early XXXX I have called loan care ( XXXX XXXX ), I have emailed them, I have even attempted to get assistance over social media. The last email I received asked for copies of the cashed check ( front and back ), of which I informed them the bill pay does not use actual checks, the payments are made electronically. I also received an email stateing that they just received a XXXX check on XX/XX/XXXX, however that was the XX/XX/XXXX mortgage payment ... .that was not the missing payment. ( XXXX ) I have used what savings I have to bring the loan current, however loan care seems un-interested in finding my missing payment and I am reaching out for assistance. As a XXXX Veteran I can not afford to have this amount of money be stolen from my family. XXXX, My property manager is XXXX XXXX of XXXX XXXX. These are his banking documents from XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: IL

Complaint narrative:
I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's 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 2017-08-19 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: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
We surrendered our home to previous mortgage holder in XXXX of 2012.  Ocwen financial bought the mortgage and refused to honor a died in lieu of foreclosure. Ocwen, by misplacing or loosing our paper work caused us to go to foreclosure we attempted to work with them submitted paper work on 3 times, but they refused to examine our paperwork, we tried to work with them for years submitting died in lieu paperwork. They kept delaying on us until we had a a foreclosure date and told us that they would not examine our paperwork because the foreclosure was going through anyway. My wife and are both XXXX and this has taken a visible toll on our ability to obtain credit and to find rental housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: LEXISNEXIS
State: FL

Complaint narrative:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX X/XX/16, X/X/16, X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX  XX/XX/16  TALK TO TRANSUNION CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.

Company response to consumer: Closed with explanation