vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Experian for a XXXX XXXX credit card account that was reported as 30 days late in XXXX due to fraudulent activity taking place with my card for this transaction. I never used the credit card in question and this was the only transaction ever on the card. The company had the wrong address so we never knew the account had a {$60.00} charge on it. After learning of this by checking my credit report in XXXX I disputed it with the credit card company and they stated that they would remove it from my credit. It was removed by two credit agencies ( XXXX XXXX and XXXX ). 

After pulling an annual credit report on XX/XX/XXXX I discovered that the XXXX XXXX account was still on my Experian credit report. I disputed this with Experian stating that it was removed from the other two credit reporting agencies a few years ago. 
Dispute # XXXX On XX/XX/XXXX I received an email update from Experian that the dispute was resolved and the results stated that the item will stay on my report. I received a second email from Experian shortly after that with an update to the results of the dispute. They updated the date of the reported information to XX/XX/XXXX and stated that this information would remain on my report for ten years ( XX/XX/XXXX ). Ten additional years even though XXXX XXXX removed the fraudulent {$60.00} charge and closed the account years ago. 

Due to the information above, I believe that Experian violated the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX   Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I applied for a XXXX Mastercard and was approved and Continental Finance states  they mailed the credit card on XX/XX/2018, then on XX/XX/2018 and when I called on XX/XX/2018. In actuality a credit card was never mailed it was just stated to get me to pay the XXXX fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Scott Kroner PLC
State: VA

Complaint narrative:
On the evening of Tuesday XX/XX/2018 I received a warrant-in debt notice to appear in XXXX District Court one ( 1 ) business day later. The warrant-in-debt concerned a long resolved 6-year old XXXX  bill. XXXX XXXX represented the XXXX  as a bill collector. I called the clerk of court and explained I was not served within the time set forth, the debt was not owed and I wished to contest the matter. Additionally, I explained it was not physically possible to travel to XXXX, VA given one days notice. The clerk of court explained that I would need to arrange an equitable date between XXXX XXXX and myself. I called XXXX XXXX on that day and explained the debt was contested and that I intended to appear in court, given a proper notice. Mr . XXXX offered the date of XX/XX/XXXX, and I accepted. He informed me I would receive a notice confirming the date with a certain time to appear. The call was recorded by me after accepting Mr . XXXX consent. Today I received the attached letter informing me that a default judgement was entered against me and my son. The clerk of court stated to me today that there was no record of XXXX XXXX requesting the court continue the matter for any reason. He also did not inform the court service was not effected, or that XXXX XXXX and I had agreed on a future date. Further, XXXX XXXX obtained a default judgement against a XXXX year old child, after having been informed by me, and evidenced by payment from XXXX XXXX and XXXX XXXX that the payment had been received for all services received. Mr . XXXX client, XXXX XXXX, currently is being investigated for insurance fraud. Because Mr . XXXX client attempted to perform advanced dental services that he was not capable of performing, my son required extensive XXXX  XXXX to recover from the attempt. This is a well-documented event by all, and XXXX XXXX and I settled this issued over six ( 6 ) years ago, thus making this sneaky action by Mr . XXXX more egregious. Our family finds his behavior highly unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: IL

Complaint narrative:
World Finance Corporation This Debt Was Settled For Less Than Original Amount And This Company Promised To Report And Remove From All Credit Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: CA

Complaint narrative:
Prince Parker and Associates, contacted me multiple times about my payment of {$310.00} for a medical bill I owed. I paid them once on XX/XX/2018 and have a receipt for this. They sent me an email again on XX/XX/2018 and multiple letters in the mail. They called me again on XX/XX/2018 and told me the previous payment did not go through and collected another payment again from me which was processed on XX/XX/2018. When I was looking back at my accounts, I found that both payments were successfully processed. 

I tried calling them twice but it keeps going to the voicemail after a long wait time. I will try again but I would like to register this complaint so this does not happen to others. 

There are several complaints already against this agency when i looked online. I want CFPB to take appropriate action on this agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover credit card made an unauthorized balance transfer of {$25.00}, telling me not a word about it, just writing that they had thus resolved my dispute, when I first discovered the balance transfer, for which I had never asked. I have contacted the company no less than 25 times. Their so called Office of the President insist that they had investigated everything and all is in order. The last nonsensical letter has been received today, XX/XX/2018. WHO GAVE DISCOVER MAKE ANY BALANCE TRANSFERS FOR ME  WITHOUT ASKING MY PERMISSION? They must remove that unauthorized BT from my account immediately, and fined, SEVERELY, fo this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I recently contacted my JC Penney MasterCard which can be used anywhere. Since I have made payments on time I requested my interest rate be lowered. I was told There were no lower rates. I contacted two of my other cards and did get a reduction in interest rates for paying on time.

The amount of this payment is an extreme hardship for me.

The payment is approximately {$180.00} a month. My rent is {$870.00} so this makes it a struggle for me. No credit card should be able to charge over {$120.00} A month.

Please help me.

Sincerely XXXX XXXX, OR 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 2018-10-31 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: CA

Complaint narrative:
On XX/XX/18 I sent Transunion a final letter requesting that they send me copies of the information they used to verify the 6 accounts ( each account ) : 1 ) XXXX  for {$1700.00} 2 ) XXXX XXXX for {$2800.00} 3 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX for {$13000.00} 6 ) XXXX for {$1200.00}, they continue to list Negatively on my credit report. Transunion signed & recieved that final letter of request on XX/XX/18 @ XXXX. 

They have IGNORED my requests & my rights. They did NOT provide me with a copy of how they verified each account. They just put Verified. They did not provide me with ANY information on # 6 XXXX for {$1200.00} & they did NOT provide me with an updated credit report. Transunion needs to be held accountable for reporting things Negatively on my credit report without any Verifiable PROOF.All of these items need to be removed IMMEDIATELY & they need to send me a copy of my credit report to reflect the corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: OK

Complaint narrative:
On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with Transunion, however Transunion refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2018 I sent a returned receipt and certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My request is to validate that I owed this account. In returned they sent me a letter with amount owed without any validation. 

I sent another letter dated on XX/XX/2018 I demanded to see a consumer contract with my signature on it indicating I need to pay them. They never responded with validation or any information indicating this account belongs to me. Therefore, another letter was sent to XXXX XXXX dated XX/XX/2018 to be advised this is my third attempt for them to produce any original documentation signed by me that I need to pay them. They refused to validate what is required by law under the FCRA. They are also reporting this information with the credit bureaus without being verified. I demanded to see verification on this account and they refused to send me any original documentation with my signature. All letters were sent returned receipt and certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I reported that my card was lost or stolen. Bank issued me a new card and provided refund of disputed charges. A few days later they reposted the charge in an amount of {$400.00} plus I paid over limit fees which were never refunded even though I never made those transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: OK

Complaint narrative:
On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XX/XX/XXXX, however XXXX  refused to reply or remove the inquiries.

XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: OK

Complaint narrative:
On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XXXX, however XXXX refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX  has denied to return {$99.00} to me and close my account properly after they say a transaction from XXXX placed my account in the negative. I have spoken with XXXX recently for 2 hours and they are unable to find ANY record of them charging me {$99.00} dollars to my simple bank account. But XXXX XXXX told me today they will not Reverse the fee for XXXX and will close my account after 90 days of it being negative and refer me to a credit collection company even though i have given them all the proof that they are indeed WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: ME

Complaint narrative:
Unable to temporarily lift Equifax credit freeze after repeated attempts, both online and call in to their automated number at XXXX and Customer Care (! ) number XXXX. This was necessary because I was informed I already had an account but I didn't have the PIN to access it. 
1 ) First call placed at XXXX, XXXX, XX/XX/18. I furnished all required information at automatic prompts but the call was disconnected at the very end. 
2 ) Second call placed at XXXX. Call staff person informed me that Equifax systems were down and I should call back in half an hour. 
3 ) Third call place at XXXX one hour later and was told the system would be down for another hour and to call back later. 
4 ) Went online at www.equifax.com to verify I had an account with Equifax. Website confirmed I had an account and confirmed the email associated with the account but I didn't have the 10 digit PIN to access it. I filled out all of the required information and requested a PIN reset. I received confirmation from Equifax that an email had been sent to the email associated with my account. Checked email repeatedly on and off over next 5 hours but no email was received from Equifax.

5 ) I called XXXX again around XXXX XXXX  and informed call center person that I had not received the email to reset the PIN. Then was asked to furnish all of my personal information over the phone, including all credit cards, revolving credit credits, along with current balances, all of which I furnished. I couldn't understand why he needed this detailed information as he said he already had my account up on the screen. I was quite angry and frustrated with this ongoing rigmarole for a simple temporary lift on the freeze. After answering all of the questions, I was informed that I would have to resubmit hard copy of all this information via mail before they could do a temporary lift!!!! 
6 ) I asked to talk to his supervisor but was told he wasn't at present available and if I left my phone number he would call back. Then I hung up. I'm still waiting for the phone call.

7 ) Equifax is throwing up way too many roadblocks to what should be simple online tasks i.e. help consumers manage their own personal credit data. Whether this is through simple incompetence or malicious intent, it defeats the whole purpose of the new credit bureau guidelines. Based on my experience, I have concluded that Equifax appears to have no intention of following any guidelines 8 ) Equifax has already had one major security breach that compromised the personal credit of up to 143 million Americans. This place needs to be shut down. At a minimum, stiff financial penalties should be imposed until they clean up their act.

Company response to consumer: Closed with explanation