vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This regards XXXX Equifax is using a trick to avoid responding. 

They sent an email offering information on my case. However, in order to obtain the information, I was asked to submit some simple information to identify my account I submitted the correct information but the Equifax system rejected it. I tried several times, and I am sure I entered the correct, simple, information. It comes back each time " incorrect. '' By that means they avoid responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I co-signed a loan for a fellow student in XX/XX/XXXX.

He had several loans with co-signers before this loan.

By XX/XX/XXXX, I was notified I was responsible for his loan payment, after it was in default for several months. 
I have been paying this loan on and off, as instructed, but since XX/XX/XXXX I  have been paying it consistently through Navient. I have made requests to Navient to be released several times. They tell me only the borrower can release me. 
I located the original borrower, and went to his house this past year, he informed me he had applied for loan dismissal - since he claimed bankruptcy due to XXXX in XX/XX/XXXX. 
He also said, all the co-signers except me, were released from their obligation in that bankruptcy court decision. 
He reports he continued to fight for my release, but had no success. 
I am requesting a review of these events. 
The borrower has been helping me to exhaust all avenues to release me from this obligation. Can you please help me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a debt validation to this company to dispute an account they stated I owned them. On XX/XX/XXXX I sent a dispute to the credit bureau regarding this account. On XX/XX/XXXX they replied verifying this account as verified. 

In between periods, this company violated the FCRA ... As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They never reporting to the credit bureaus this account was in dispute. And tried to collect without sent the debt validation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I took out a loan from advance America. The process is handled by providing paper check for the total amount borrowed that they hold until the balance loaned is repaid. I paid off my loan per request in person. The full amount of the original loan without deduction of any payments was still drafted from my checking account two years later! On XX/XX/XXXX. The back story being due to employee error ( or theft ) I was not charged the proper interest amount to pay off my loan in full despite being told all payments had been completed and a 2 year gap. Advance America contact and harassed me repeatedly starting in XX/XX/XXXX once they found the employee error requesting that I pay back the missed interest on my own accorded. ( a sum of roughly XXXX ) I declined on every occasion and explained what happen and that I shouldnt be found at fault for employee error 2 years later. I honestly believe this was a case of employee theft were the payment may have not been applied or missed applied to the loan. Today I viewed my account to see that it was drafted illegally. I have contacted my bank to report fraud and plan to peruse every avenue I can against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Premium Credit Bureau
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I applied for a payday loan with the understanding that i needed to log in to the website to pay.

I was called to work in XXXX  and thus their website blocked me from logging in ... and couldn't pay.

I emailed four or five times beginning XX/XX/XXXX with screen shots of the website blocking me and was continually referred to changing my password in order to pay the bill.

Instead - was charged {$90.00} twice because I couldn't log in.

The contract clearly states logging in as the only form of accepted payment. It says nothing about being out of country and not being able to log in to pay. " XXXX '' numbers are blocked from overseas use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
Paid this debt that entered in to collections on XX/XX/12 and it is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1200.00} ( shown as {$1200.00} on my XXXX, XXXX and XXXX   credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement do not constitute adequate validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. 
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. 
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Zions Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
2 things on my credit that has been over 10 years and will not drop off. One of which has been sold to several creditors and are still trying to collect on. I am trying to buy a house and these two things are haunting me for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. 

I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. 

Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. 

I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.

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 2018-05-03 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: FactorTrust, Inc.
State: LA

Complaint narrative:
I when online to apply for a payday loan at XXXX XXXX XXXX and in Louisiana you can only get {$300.00} payday so I het enough money to pay back the loan but as I continue on the application I get to the part where I put in the income so I tell that part and as soon as I click the submit button it comes back and say denied and I call the company and they say they run a basic credit check but they must don't have the information update on a daily basis because insufficient income is not a reason to turn a person away if they get {$800.00} a month and applied for a {$300.00} loan. This company need to check into because they have their system messed up for a person trying to get a loan with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: ID

Complaint narrative:
To improve our credit we opened a secured card by sending Discover {$300.00} and getting a XXXX card. After 2 years we received a letter stating that because we had done such a good job with handling the card, we deserved a credit card and our {$300.00} was returned and we were issued a new card. We used the card approximately 3 times when we then received a letter telling us that our card was cancelled because of inactivity on the card for the previous 18 months. We have no way of knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX. INC appears as a collection account on my credit reports showing I owe a balance of {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have called and written letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I Called To Get More Information On A Debt Through Portfolio Recovery. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XXXX of XXXX, as an incoming college student, first of my siblings to pursue post-secondary education, growing up impoverished, under adverse financial circumstances, I sought a private XXXX XXXX college to seek a professional degree. Needless to say, I didn't have enough funds to pay for any percentage of my tuition. Through merit-based scholarships and federal student financial aid, I still lacked funds to enroll, so I turned to Sallie Mae for a private loan to pay for the expenses I encountered. From the firm, I was awarded with approximately {$6500.00} from Sallie Mae in the Fall of XXXX. After successfully completing my college, becoming a full-time employee, specializing in the work related to my degree, I sought to return for an advanced, XXXX XXXX XXXX, between Spring XXXX XXXX. Although I applied for the deferment of my federal and private loans, I was not given options or sufficient information regarding the repayment of my loan, held by Navient, formerly Sallie Mae. I was betrayed by a firm that pressured me to increase the amount of my repayments.I was deceived by not receiving sufficient contact from Navient, regarding my outstanding balance, in order to inform my repayment options. Since the inception of the loan, I have seen my principal balance double in amount and through consistent, consecutive payments, have just recently reduced this principal to its original amount. Most deceptive is the obscure information provided to me, according to the monthly statements I have received from the firm, indicating that never was there a " minimum payment '' due to Navient, giving me a false sense of security, as I hoped to maintain lower payments. Finally, I am frustrated that I am not afforded with enough transparency, on behalf of Navient, to thoroughly investigate the allocation and distribution of the funds I have provided to repay the loan, in a timely manner.

Company response to consumer: Closed with explanation