vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.

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 2018-03-25 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is connected to complaints number XXXX and XXXX. Bank of America refuses to remove a fraudulent charge on my credit card by XXXX XXXX. I never authorized the charge and it was for the next full year of service that I refused to accept. I have sent documentation to Bank of America that clearly shows that I refused the {$490.00} charge on my card for future services. XXXX XXXX sent Bank of America old documentation claiming that the charge was accurate. I am claiming fraud by XXXX XXXX as they billed my credit card without authorization from me for a full year of future service which I clearly did not authorize and in fact refused. 
XXXX XXXX claims that they were listed as my authorized agent on the State of Maryland website which is not true as I filed to have them removed. I have written to the State of Maryland to verify that XXXX XXXX was not listed as my authorized Agent and had been in fact been removed ( see attached documentation ). The State of Maryland has sent me documentation that clearly shows XXXX XXXX is no longer listed as my registered agent and is simply lying. They were removed effective XX/XX/2018. XXXX XXXX continues on with the fraud and Bank of America lets it continue.

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 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.

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 2018-03-25 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: OH

Complaint narrative:
This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
I am not affiliated with the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, OH   XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX  , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2018-03-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a credit alert regarding an inquiry on XX/XX/2018 from Chase Card. I did not apply for a credit card or no other type card, I only attempted set up XXXX with XXXX.

The transaction was unsuccessful because the recipient who has XXXX does not offer XXXX   through XXXX only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
We received our real estate taxes in the mail over a month ago. We called US Bank and they told us to fax it over, they will pay it out of our escrow account. This morning we received A Notice of Intent to File Tax Claim against us because our mortgage company to this date still has not paid like they promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: KY

Complaint narrative:
I submitted this complaint once before and this company still does not apply payments correctly ( principal only ). They need to fix this as well as bring my due date current. I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, XXXX  and experian have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX XXXX deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.

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 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
Have disputed this before. company repsonded to CFPB that they will cease adn desist. and it has popped up on my credit report on XX/XX/2018 again!! I am goign to pursue this further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

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 2018-03-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid XXXX XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take XXXX days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days.  Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

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 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Nelnet, Inc.
State: MA

Complaint narrative:
I made a payment of XXXX on XX/XX/2018 to Nelnet to pay off my studenbt loan A, which had about {$500.00} left on it. I used the site to specify that I wanted the full balance of loan A paid off, with the remainder going to loan E. They allocated {$410.00} to loan A, {$83.00} to loan C, {$500.00} ( this is the amount i specified for this group ) to loan E, and {$14.00} to loan F. I did not ask for a payment to either loan C or loan F. All of my loans were caught up and paid on time. Nelnet is asking to do a " research '' on why this happened, also claiming I had standing special instructions in place but could not tell me what those instructions were and where these numbers came from. I still owe {$61.00} on loan A as of today, when it was supposed to be paid off. They appear to both know and not know what happened - not sure why they have to research if they're standing behind this choice. 

I have had standing special instructions in the past, but they have only applied to my autopayment which has consistently been misallocated as well. Every month I have to chat with them at least once to get it fixed. My special instructions had stated to pay off the highest interest loan first with any additional funds in my auto pay payment, which would have been loan A in the first place. They could not give an answer as to why this wasn't followed, or even what they have for special instructions on their end. What do I do to get this loan paid off? I have been making consistent on time payments and had no balance due when I made the payment, as I have autopay set up for the minimum payment and make my additional payments manually, as I did in this case. There is no reason to go against my wishes when I submitted to pay by group on the site.

Company response to consumer: Closed with explanation