vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I refinanced my federal loans for XXXX school through college student loans/Navient. It was my understanding that my loans are still tax deductible but Navient refuses to provide the needed tax forms. They state my account in ineligible. In order for them to review they are sending me a form, which will take 24 hours as they are unable to send emails out directly. I then need to complete the form and mail it back. All the form says is my name and address and that I am disputing their belief that my loan is not tax deductible. They will then review and respond and will try to expedite it. There are no direct phone numbers, they say their team doesn't take them. It felt as if they were trained to avoid any work/progress on this. Are they trying to increase tax liability? Decrease their expenses? Poor customer service at a minimum, shady and illegal potentially?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX Good afternoon, i amwriting to you to see if I can get some help with this debt collection service they are fradulently reporting a collection account on my credit reports.. the debt was sold to another company. I gave AMSHER a call on XX/XX/2019 and inquired about the debt they immediately told me that this debt belonged to XXXX XXXX XXXX XXXX. I than asked them why were the reporting on my credit reports and they no longer had my account they said call the new company so I called the credit bureau and disputed this againg and provided them with the new collection company information the failed to remove the account and started a new dispute and today XX/XX/2019 i got an email update from the credit bureau ( XXXX ) saying the debit will remain on my report it was verified by the collection company AMSHER as accurate. How in the world do I supposed to pay 2 collection companies for the same 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 2019-04-11 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from XXXX XXXX failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX   and also XXXX XXXX  is off my XXXX and XXXX XXXX  failing to take it off XXXX  and XXXX   after disputing from the other credit companies that I have screenshots of the companies credit report deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.

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 2019-04-11 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: Lending Club Corp
State: TX

Complaint narrative:
XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

Lending Club sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. Lending Club will not note it. They did on my other loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FYI There was no category in your complaint system that specifically addressed my issue so this complaint may not be perfectly categorized ( maybe you could add an " other '' category ) The FCRA says I can get a copy of my reports from all agencies. I could not remember the name of my employer which submitted information on me to The Work Number. I  called to get my information but they would not give me my report without giving the specific name of an employer member which reported on me in the past. Some people have memory loss but this should not prevent them from obtaining there information. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to Experian on XXXX over a loan that I paid off to XXXX XXXX XXXX XXXX ( the loan was paid off around XXXX if I remember correctly. ) The Experian report and dispute result stated that the loan was discharged through Bankruptcy Chapter XXXX- that is not accurate, I paid off the loan. I next attempted to send Experian the only proof that I have - a copy of the bankruptcy paper work showing that I intended to keep the debt. Instead of resolving the issue, they now opened up a new dispute into whether or not I paid off the other car loan to XXXX XXXX XXXX that I also paid off. There is no way to contact Experian directly. I've also contacted XXXX XXXX about trying to help me with proof that I paid off the loan, but they have still not contacted me back.

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 2019-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I used XXXX XXXX XXXX XXXX XXXX credit card to purchase some a stove in XX/XX/XXXX. When i bought this product from the store i was never told that i have pay the full amount back in the promotional period. I always thought it will the regular finance charge after the promotion expired on XX/XX/XXXX which was the billing cycle. In XX/XX/XXXX I was charged {$330.00} as deferred interest charge. I tried calling to few times and every time I was told i need to speak to a supervisor but the customer service rep said they are having technical difficulty to transfer my call and they wont provide a phone number to call them directly. Before this amount was added to my account the balance was {$400.00}. Since this time I have paid {$210.00} on this account and the balance now is {$490.00} and they are now adding interest charges on the money that they added. There fore I am being charged double interest. They are thieves and practicing unfair billing.

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 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I re-financed my mortgage in XXXX of XX/XX/2018 with Freedom Mortgage. My mortgage payment was {$910.00} monthly. Shortly afterward, I changed Homeowners Insurance from XXXX to XXXX XXXX. My policy went from {$820.00} to {$850.00} respectively. XXXX sent me a refund of {$570.00} which I immediately paid to freedom Mortgage. Shortly afterwards I got a letter from Freedom Mortgage stating that there was an Escrow Shortage of {$820.00} and my monthly payment would go from {$910.00} to {$980.00}. This amount is not what I agreed to pay in my Closing and Settlement of the Re-finance. I called Freedom Mortgage to see what the situation was and they just went over the figures which don't compute to me ... They must have underfunded the Escrow Amount initially. How can it be {$820.00} short on a brand new Re-finance? I made arrangements to pay the {$820.00} in 2 years bringing my monthly payment to {$950.00}. THIS IS NOT WHAT I AGREED TO ON MY CLOSING AND SETTLEMENT. PLEASE HELP!!!!

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 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2019, I deposited a check in the amount of {$930.00} into my account. The next day, Chase requested more information, which I provided. On XX/XX/XXXX, I noticed a recurring charge for XXXX  was not going through. I thought this was odd since the charge was for {$2.00} and I had nearly {$400.00} in my account. I called Chase and they told me the check I deposited was being returned and they were closing my account. Furthermore, the money I already had in my account was frozen and inaccessible to me. 

Today, XX/XX/XXXX, I pulled up the account online and saw that the check was processed and shows as available in my account. I called Chase once more and they reiterated that they were closing the account and the check would be returned. 

I have received no notice of cancellation from Chase, and would not have even known had I not called them myself. I have received no explanation for the closure, and they steadfastly refuse to provide one. They continue to hold my money hostage with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from us bank failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX and also us bank is off my XXXX and XXXX  XXXX failing to take it off XXXX and XXXX after disputing from the other credit companies that I have screenshots of the companies credit report deletion

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 2019-04-11 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: OR

Complaint narrative:
In XXXX XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with XXXX  and XXXX  both stating there is no substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at XXXX  has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated to provide restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I originally filed a complaint on XX/XX/XXXX with Wells Fargo Credit card division. I received a response from Wells Fargo. The response was correct to a certain point, but failed to address my bankruptcy chapter XXXX which was discharged on XX/XX/XXXX which would include the amount of {$2400.00} which still appears on my credit report. I tried to contact XXXX XXXX at Wells Fargo at XXXX, extension XXXX, but never received a response. Please delete the {$2400.00} debt on my XXXX credit report since the debt was covered under chapter  XXXX bankruptcy. My bankruptcy case number is XXXX. Thank you

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 2019-04-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have requested on four different occasions by mail for Experian to verify AND validate the information they are reporting on my credit report. The first two times they responded by mail they said that the information had been " verified '' However, I requested that per FCRA act 609 that they provide me with proof of the verification used to verify this account information as it is not mine. The two accounts in question are : XXXX  XXXX and XXXX XXXX. Experian never provided me with any details or proof surrounding the investigation. On the third and fourth request, the last being dated XX/XX/19 ( report number XXXX ) they refused to investigate the information again unless I had an additional " relevant information '', thus placing the burden and responsibility on me the customer when they are the ones reporting inaccurate information, damaging my credit scores and causing me financial loss.

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 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I signed up for a direct deposit checking account and bill pay and savings account through Citibank. From XXXX to XX/XX/XXXX I was charged a service fee of {$25.00}. 

XX/XX/XXXX, I went into the bank to order checks for my checking account so that I could pay my landlord so that the bank could track withdrawals for rent from this account. 

At that time, I asked the teller what the service fees were for. He looked at my account and told me that since I had the aforementioned bank package that I should not have been charged this service fee and that I should speak to the branch manager. I did so.

The bank manager reviewed my account and determined that I had, in fact, had been charged in error and returned one month 's of service charges back to my account. During the conversation, I informed him that these charges had ensued from XXXX until now. He asked me why I didn't bring this to their attention previously. I told him that I didn't know I was being incorrectly charged until I was told that day. He informed me that I should write to Citibank and gave me the address to lodge a complaint and request the funds be returned to my account. Later, I calculated mischarges of 101 months to be in the amount of {$2500.00} and I wrote two letters to Citibank Client Care, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I received two letters from them, XX/XX/XXXX and XX/XX/XXXX stating they investigated my claim and a note, " Please be advised that your request for the reversal of the fees are not honored. '' I have copies of my letters and their 2 letters to me to upload for your consideration.

Thank you.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: VA

Complaint narrative:
Every other morning approximately XXXX XXXX Penn Credit Corp ( on the callerID ) has a robocaller dial my house land line. I answered the first couple calls to silence. I have NO outstanding debt or reason to be in collection. The following week I let the caller go to VM, the caller refused to leave a message. I blocked the calls on my phone but they still auto-call every other day, including weekends and holidays to disturb my residence. I have researched the phone number on the ID ( XXXX ) and see that EVERY report is a serious complaint. Go to XXXX Penn 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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I recieved a bill from Transworld Systems for a bill that I am not responsible for. XXXX XXXX XXXX sent my account to collections when I had insurance coverage, I had two insurance companies that cover their services that they did not bill. Now this collection agency is sending me Bill 's because their client did not bill my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I never received anything from this company about these debts until I was served at my house with a court date. 
The amounts they said I owed {$570.00} XXXX XXXX XXXX {$760.00} which is already a charge off account for XXXX XXXX XXXX I called midland company, I spoke with multiple people, mainly XXXX XXXX, I offered to make a payment of {$50.00} a monthly and that is stretching it. He was very rude and unprofessional on the phone, he refused to work with me at all. 
I never received a letter or phone call from this company regarding this matter, it wasnt until they showed up to serve me the door of my house that this was out there. Furthermore, this company has combined to debts to make the total over {$1200.00} to be able to take this to court. This is not a legal practice under the debit act. 

I my take home pay is Monthly and is {$1000.00} per month. 
I have 1 dependent, XXXX years old, I am responsible for. 

My expense are as follows ; Rent XXXX monthly Utilities around {$280.00} Cell {$200.00} Cable {$210.00} Insurance {$160.00} Loan payments {$160.00} Grocerys around {$400.00} I get snap food assistance XXXX XXXX/month My sons dad will help when he can

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
CBE group is trying to collect a debt still that has already been paid. There phone number out of XXXX Tennessee XXXX keeps harrassing me by making at least 3 phone calls a day. I have already told them that I paid them and they will not listen all they do is hang up and call back again the next day 3 times. I have already complained to the Police about theiephone harrasement and the Police have even told them to quit calling me or they could be prosecuted they have ignored the orders of the police and continue to call. 

On XXXX XXXX I called the corporate number and the person I talked to said I owed nothing to them.

Company response to consumer: Closed with explanation