vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018. 
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. 
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX. 
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. 
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in the planning stages of getting a home mortgage with WF. I was encouraged by my mortgage broker to open a bank account with WF as this would facilitate the loan process. I opened the account with {$50.00} ( I was told I could start the account with as little as {$25.00} ). I was not told at the time that there would be monthly service fees if my account balance was below a certain minimum ( and evidently the minimum was greater than {$50.00} ). 
Logically I would never have opened an account with less than the minimum required to avoid monthly penalties. Ultimately I decided to get my home loan with another lender. When I went to WF to close the account I was told that the account was already closed and that the balance of the account was XXXX at the time of closure. Evidently, WF removed monthly fees until all {$50.00} was removed and then closed the account. I never received any notification that this money was being removed from my account

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 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me. 

I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}. 

When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing. 

However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}. 

When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}. 

Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of. 

I have now been told twice that the bill was sent to me in error and I owe nothing. 
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.

I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion has not provided results for disputes I have requested to investigate. I have provided all requested information they need to initiate results. They have sent me 4 letters now denying my disputes.

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 2018-04-24 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: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC # XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE

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 2018-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC #  XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE

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 2018-04-24 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: WV

Complaint narrative:
XXXX and/or XXXX and/or Equifax have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct.

XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX  and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I have called PIF, inc several times to try to correct this and see what it is about however have been unsuccessful in doing so. I was recently served with papers from XXXX XXXX XXXX XXXX who notified me they had purchased the debt from the original person I had an account with which is XXXX XXXX XXXX XXXX. However I do not owe XXXX as they picked up the merchandise in question. And every other account I had with them is paid in full which is clearly stated on my credit report. So until this is all resolved I want this off my credit report because this is not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a credit reporting account with a company called XXXX that is now called Experian and some how I am not able to cancel the account with them anymore. The only way to cancel is through a call in number that no one attends even after stay on call for more than 15/20 mins. This is a scam and does not seem like the agency has any intent of canceling the accounts once enrolled.And they charge my bank account every month without any issues.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has an account opened on my credit report in the Amount of {$840.00}. I dont know this company and dont know why they have my information or what this is. The account was opened on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: UT

Complaint narrative:
XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX.

XXXX XXXX attorney Contacted me when I was attempting to settle said that GM  advised me to call them and she gave me their number : XXXX.

I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX   account number XXXX.

I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX  balance.

Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: NY

Complaint narrative:
I have had a netspend card for months which I have activated and used for months without an issue. Today XX/XX/2018 I tried to make a purchase online and the transaction were declined when I know I had funds on the cards. 

I called customer service and was told my balance was {$300.00}. And that they would now need ID, Social Security card and a Utility bill to release my funds. Please keep in mind that I have had the card for months and have loaded it and used it for many transactions. now after having the card, loading and making purchases froze my account without warning and are holding my funds XXXX. 

ID and social security cards were not requested during activation and now all of a sudden they need this. I am requesting my netspend account be closed and my funds which total around {$300.00} be sent to me via check at the address on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Name is XXXX XXXX On or about XX/XX/XXXX I notified my lender Lobel financial that the way I receive my income had changed. I continued to notify them about the situation every month and it was not until around XX/XX/XXXX that I was told that there was a way to change your payment due date. I followed the process and they continue to not follow through on their end. this is causing me many months of late charges. which they laugh about and say I will pay them in the end of the loan.

Another thing I asked them around XX/XX/XXXXif they could pre qualify me to get another vehicle. They told me no they don't do that. They are a finance company that does not Finance loans? Anyways I found out later that the vehicle that I purchased had four accidents. I found this out when I went to trade it in? They new about this when I financed it. I believe that they use this predatory lending practice so that the consumer will have to keep the high interest loan for the term of the loan. Since the vehicle is actually worthless.

YOurs sincerely, XXXX XXXX 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 2018-04-24 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX.

To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NY

Complaint narrative:
I called navient on XX/XX/XXXX to put a check on file for the balance to be paid XX/XX/XXXX, navient ran the payment on the XXXX and I got a XXXX   dollar bank fee and had a XXXX  dollar bill and XXXX expense that now went into my line of credit through my bank. I called navient on XX/XX/XXXX to make them aware of unauthorized payment, I sent over bank statement to prove charges. I called navient XX/XX/XXXX gave my account info for a refund of XXXX but instead navient ran a payment again for the full balance on my account which made another bank fee. I have spoke to several representatives and get something different every time, navient doesn't want to reimbursed me for 3-5 days. so onXX/XX/XXXXwhen I call to pay my balance off it's showing I don't owe anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018. I went online to make a payment in the amount of XXXX. On the XXXX XXXX XXXX I checked the account that I made the payment from and noticed the money hadnt come out. I called capital one to see what couldve possibly happened and they told me to give it at least 3 days. I called back on the XXXX and was informed that I accidentally entered the account number incorrectly by ONE digit. We corrected the issue and the payment was accepted and processed. 3 weeks later Capital One closed my account without notice or an explanation. I was never notified via mail or phone call. I attempted to make a purchase and my card was declined at the register which was extremely embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Care Credit 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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2018 I was comparing credit card 's on Citibank 's website. I applied for the Citi Diamond Preferred Card. I received a instant approval for the Simplicity Card. I was concerned and I immediately called Citibank. I was told that I'd need to wait 3 days until the card is showing in the system and it could then be switched to the correct card. I called days later to speak to 3 separate people. I was told this wasn't a problem and then I was hung up on while they were switching me to another person. I spoke to a nice woman who filed a complaint on my behalf. I have been told many things from managers and all have told me that they'd get back with me immediately and that my situation would be rectified. Unfortunately, I've been lied to. The most recent phone call on the XX/XX/XXXX promised me a phone call from the vice president within 24-48 hours because there were no notes from the gentleman in management that had promised to call me back on the last conversation. I lost his name but I had really trusted him and the promises that he had made to me. It appears that every conversation that I've had with Citibank have been lies. I'm especially surprised that even the managements, management doesn't do what they are supposed to..

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