vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: United Student Aid (USA) Funds
State: PR

Complaint narrative:
MY ACCOUNT WAS LINKED BY NAVIENT WITH USA FUNDS WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF USA FUNDS TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH USA FUNDS OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX   XXXX  EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: OH

Complaint narrative:
I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I had a credit card account with  XXXX  which is    XXXX   XXXX    the problem is i was going to be late on a payment and called them to talk about the late fee they said it  could be waived the  one  time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at  XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that  XXXX  had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and  at one time  they agreed now they are simply just harrassing me trying to intimidiate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
The company keeps contacting my employer. Both my employer and myself have instructed them that I can not take personal calls for the purpose of debt collection. The company still persists calling multiple times per day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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: PR

Complaint narrative:
MY ACCOUNT WAS LINKED BY   XXXX   WITH   XXXX   XXXX   WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF   XXXX   XXXX   TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH   XXXX   XXXX   OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

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 2017-05-04 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: PR

Complaint narrative:
MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY CREDIT SCORE ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: PR

Complaint narrative:
MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE A LSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

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 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Disputed account as not mine, express recovery continues to report on my credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: ME

Complaint narrative:
Received a letter from  XXXX   XXXX . Upon speaking to a representative i regards to this matter, I was asked for my  XXXX   Pin Code.  I refused to divulge that information, as I did not contact  XXXX  directly, and due to security concerns. I received a statement from  XXXX   XXXX , and the statement only state one-time charges. There is no detailed information, in regards to the one-time charges. Also, I am perplexed as to how I ca receive a letter from a collection agency, as well as a billing statement from  XXXX  sixty calendar days later. Also, upon initial contact with this collection agency, I informed them this account was declared as disputed. Upon further contact by the same collection agency, I declared all contact with me was to hereby cease and desist immediately. I have not been informed as to the one-time charges, in question.

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 2017-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian,  XXXX , and  XXXX  the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file. (  XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Section  616 and Section 617.

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation.     Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due.     I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past.   There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted.     Now, my student loans are being reported as  XXXX  derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in  XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in  XXXX  and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Company reporting negative accounts that are not verified and not mine

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 2017-05-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.

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 2017-05-04 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: Utah System of Higher Education
State: UT

Complaint narrative:
I have never been late on my UHEAA accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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: UT

Complaint narrative:
I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

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 2017-05-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

Company response to consumer: Closed with explanation