vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I went to University of XXXX in XXXX California from XX/XX/XXXX to XX/XX/XXXX. The location closed. My original loan was through Sallie Mae, then Navient and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last nine years. I didnt start making more than my loan until XX/XX/XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to check my eligibility and subsequently submit a claim based on the Equifax Data Breach Settlement. None of the websites that I tried, including two links on the Federal Trade Commission website, opened or even worked. All attempts resulted in error messages that the sites were not functional. I believe this to be a deliberate attempt to discourage and prevent people from collecting settlement payments that they are entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: FL

Complaint narrative:
1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.

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 2019-07-29 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
I applied for a credit loan through XXXX online. They had multiple companies including Exter Fin from XXXX, TX run my credit without my permission. This happened on XX/XX/2019. I never gave permission for XXXX to give my information to other banks to run my credit without my permission and I did not go through with a purchase from them so I want the hard inquiry taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust is making it very difficult for a consumer to remove the escrows from their mortgage. 
The department who handles the escrows is a phantom department you can only communicate with via fax. They say it takes 2 weeks for someone to contact you. No-one ever does. One has to call back to get answers. 
The big issues is they will only remove escrow once the loan to value ratio of the property is 80 % but the value they use is the price of the home when it was first purchased which is not representative of the current value of the home now given market appreciation. This does not make any sense, if the home values where lower than when one first bought the home I bet they would not do the calculations based on the purchase price of the home. 
I am pretty sure this is a violation of consumer rights and protection laws. 
This even applies to consumers who want to have their PMI 's removed. In that case the consumer would be tied to the PMI until their loan is actually 80 % of the value of the home which given real estate market fluctuations this could very well play out to the detriment of the consumer who may not be able to remove their PMI 's for a very long time. 
They are clearly manipulating the law and using the rules to their convenience and controlling our money in their escrow accounts. If they are making it difficult for consumers to remove their escrows in good financial times with a healthy real estate market, they can cause home owners to lose their homes during harsh economic times because they are tying the escrows to the mortgage and not allowing the homeowners to 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 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield and Associates contacted me about a medical about a month ago. The person I was speaking with was use an incorrect mailing address for me, I informed them about the error. They said that they were going to send a new statement to my correct mailing address. This never happened they never sent a notice to the new mailing address. 

With no further communication they added it to my credit report when I spoke with them they refused to send me documentation that was sent out as I had requested. 

I am a contractor and my personal credit report is one of the factors in determining my bonding rates. I had not choice but to pay what they said I owed to day to clear up my report. 

Again other than one phone call, which I was told that they would be sending out a notice to my correct mailing address I never had any othe communication with them. 

This can be verified a member of my staff who processes the mail daily they never send a single correspondence to mailing office. 

If you need any further information or have any questions please contact me cell XXXX fax XXXX email address XXXX, mailing address XXXX XXXX XXXX XXXX CO XXXX. 

Thank You for your time and cooperation in this manner. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
I receive phone calls from this company from different numbers. From the above number I have received phone calls 4-5 minutes apart. They are calling my cell phone through all of their different numbers. I have told them NUMEROUS times, that I can not receive phone calls until after XXXX as I can not receive personal calls at work. They ONLY call before XXXX. One individual told me that they don't have to abide by the call times outlined. He also advised that their phone system is on an automatic dialer so they do not have the ability to stop calls during any particular time of day. They should know that they can not call cell phones without express consent and that they can not be called on an automatic dialer. 

I have requested verification be sent from this company but they have not sent this to me directly. 

The company name is The CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received XXXX notices today from my various credit card monitoring services that someone opened an account in my name on a SUNDAY EVENING. I contact SYNCB and they said they dont have a record of the request yet I have " XXXX '' emails that say TRANSUNION had a HARD INQUIRY for me yesterday again SUNDAY EVENING. 

XXXX. XXXX, 2019 New Inquiry SYNCB Travel/Entertainment ( XXXX ) XXXX C O XXXX XXXX XXXX O XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Robo calls to a cell phone. 
XXXX @ XXXX XXXX @ XXXX and XXXX XXXX @ XXXX XXXX @ XXXX and XXXX I attempted to answer the phone multiple times, however it was a robo call from Sychrony Bank. I finally was able to talk with a Rep and tried to explain robo calls were not allowed to use in contacting WA state consumers and they would need to send me information by mail or be on the line when I picked up. He stated that there are no restrictions on robo dialers and to send them the RCWs. I stated they needed to know the laws and concluded the conversation. Obviously they are using the robo callers in violation of both WA State law ( each violation is {$500.00} ) and the TCPA.

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 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I went to an ER in Florida in XXXX. I WAS NEVER SEEN by doctor 's. I spent months writing/filing complaints. XXXX XXXX told me that they had deleted the debt. 

This year in XXXX a debt popped up on my Credit stating it was from XX/XX/XXXX. They are also showing late payments every month. I immediately requested documentation and disputed this information. 

This debt was already removed from my credit reports TWICE! I have NEVER received any written communication from this debt collector even upon requesting it, and when I called the company they sent me to a voicemail. All I have is their phone number. 

They are violating re-aging laws and HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now TRANSUNION is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they cannot remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT....I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX California from XXXX to XXXX. The location closed. My original loan was through XXXX XXXX, then XXXX and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last XXXX years. I didnt start making more than my loan until XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.

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 2019-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Fianc is threating to report a negative on my credit for lack of payment. I have never missed a payment on the auto loan that I am a co-signer on. 
The co-signer on the loan had her bank accounts hacked which made her auto payments return as frozen account. I was made aware of the problem as the other co-signer and I brought the account current with in 48 hours. I might also add that the car was involved in a auto accident and was a total loss. The insurance company sent AHF XXXX XXXX dollars which made the account16 payments ahead of the contract. I have talk to Honda Finance and they are being very rude about the problem. I was never notified by mail or by phone that the account was going in 30 and 60 day late. I also have GAP insurance that are taking there time in paying the car off. Can someone from your office please let Honda know that are not being very consumer friendly, and they are required to notify the consumer of any negative action to the consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
One debt collection should not exist on my report, Expired time on Bankruptcy not removed.credit reporting agency are fraud in our nation,never give us chance to rebuildwhole report is fraud & mess. So our Watch dog agencies in USAWORKING CLASS HAS NO WAY TO SURVIVE NAY MORE . I was biggest tax payer and destroyed by our fraud Govt as I blew whistle on fraud Wall Street banksters & global corporate crime.XXXX  fraud loot ponzi scheme is now $100 Billion free loot scandal and still going strong with all loot logistic support provided by our proven high Treason XXXX   Regulatory Authorities , CONGRESS/SENATE/PresidentsXXXX

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 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: ND

Complaint narrative:
Soon after I turned XXXX, probably about 5 years ago I went to XXXX  and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Reference CFPB # XXXX. 

On XX/XX/2019 a fax was sent to AMEX / Bluebird regarding restitution of late fees incurred on other accounts ( storage, medications ) due to AMEX / Bluebird negligence to prevent fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: KS

Complaint narrative:
On XX/XX/19 I requested cancellation of services from XXXX XXXX via phone to customer service and email to XXXX XXXX. I was told that I would not be billed further and if so they would prorate charges. After receiving my bill and realizing they did not prorate and continued to charge me I called corporate escalations. Towards the end of XXXX- I spoke w XXXX and she informed me the charges would be adjusted after I turned on my equipment which I did a couple of weeks ago after visiting w my sister. The charges after that were {$510.00} which is incorrect as I was billed for that month. However was going to make payment for the amount I owed to avoid collection. I called Corporate escalations today as I received a letter from a collections bureau regarding the amount due to XXXX. I was told by XXXX w XXXX escalations today that they will not accept payments on closed accounts and there is nothing we can do. I have been working on my credit and now have a negative because of waiting to resolve this with XXXX which is unfair and unjust. I hope you can help me resolve this. I have also filed a complaint w the FCC ( # XXXX ) for the amount owed however I would like XXXX to fix my negative credit respite and allow me to make payments. Thank you so much. XXXX 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 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I just last month got a order to come to court. For a XXXX XXXX credit card. That up to know did not know about. But they say they been collecting on it for 10 years. I looked on my credit report and it's not on there. Plus I never received anything from them. They sent all notices to address I have not lived at in years. When asked for information about when the card was opened address it was sent to they can not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : XXXX XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXX XX/XX/XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for Trans Union on : Trans Union XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me.

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX/XXXX-XXXX to have done 2 hard credit checks on  the same day XX/XX/XXXX. 

And for some reason Trans Union has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the XXXX if they can do anything in good faith and in good intentions.

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