vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Capital One charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to Capital One about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. Capital One is also reporting the account. 

That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

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 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.

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 monetary relief
Consumer complaint received 2017-10-18 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Please See Police Report Attached the person was CAUGHT AND CONVICTED

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 2017-10-18 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:
On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.

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 2017-10-19 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 cancelled my autopay for my loans because I 'm too close to paying them off. So I restarted autopay. Then they lowered the payment amount without contacting me. Then they cancelled the payments again. It took me months to figure it out and now I still have loans to pay when I should have finished months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: OR

Complaint narrative:
Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MD

Complaint narrative:
I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.

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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT 0, INC
State: FL

Complaint narrative:
Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
My former insurance company was XXXX. I sold my vehicle in XXXX, 2017, before relocation to Hawaii and notified my own agent that I would no  longer be driving, therefore I would not need to have a policy. All the paper work involved with virtually everything in my life has yet to arrive in transit from the mainland to XXXX. Thank you for understanding

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.

Company response to consumer: Closed with non-monetary relief