vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I graduated from school in XX/XX/XXXX and began payments on my loans with Sallie mae that turned into Navient. There were times I had trouble paying my loans and I had to try different payment options of forbearance. I have since re consolidated my loans with XXXX however my complaint is SallieMae/Navient never gave me the option to refinace my loan so I could possibly get loan forgiveness in the future. I am a XXXX  and paid on that loan for 13 years with my balance always going up and never down. After looking at my paperwork I realize they added some XXXX dollars shortly after I graduated calling it an " adjustment ''. I do not even know what this is. I started with a balance in XXXX of XXXX and ended with a balance of XXXX. Mind you paying on it the entire time. If they told me my options I could have refinanced to a loan that allowed me to apply for forgiveness after paying on it for 10 years since I am a XXXX that works in a XXXX XXXX. Since moving my loan to XXXX in XX/XX/XXXX I have paid more in 3 years then I ever paid in 13 years with SallieMae/Navient. This is bad business and I feel like something shady had happened. I shouldn't be graduated from school for 16 years still paying on a large student loan debt. And now finally making a dent in my debt with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Deliquient mark showed up in XXXX and not XXXX, this proves inaccuracies in their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Recently I cancelled all reoccurring online bill payments, not just for a month but permanently and then all of a sudden bill payments are still being made like Id never cancelled the reoccurring payments and this had been done to me once before and I never said anything and speaking to anyone via customer service was like talking to a wall

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: GA

Complaint narrative:
I have written TransUnion as well as called to have unauthorized inquiries removed. TransUnion has failed to investigate and remove these inquiries. 
XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Asked to stop calling, but they still do. Also asked for proof of debt, have never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I've attempted to resolve this Identity Theft issue with Cavalry Portfolio multiple times. I even submitted a request to the credit bureaus and the bureaus have not been compliant per FCRA 605B. 

This account was a result of Identity Theft and I request that it be blocked/removed IMMEDIATELY. I've submitted all requested documents per the FCRA ( ID, FTC Report, and detailed request ). This account needs to be blocked/deleted as it is not mine. I already tried requesting validation and disputing multiple times and have even requested method of validation and I simply get a response saying " We've determined this account is valid '' with no further details. 


Please see my supporting documents attached for the Identity Theft report and have Cavalry Portfolio/XXXX XXXX delete this account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX. 
The house is worth about $ XXXX. 
Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me. 
I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing. 
All I get is a long loss mitigation form and I'm back to square one. 
They are now moving forward with a forclosure on the house, the home I wanted to retire in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: PA

Complaint narrative:
This debt is not mines. The debt is a utility company in Texas. I live in XXXX and I have a whole bunch of energy companies that is using my social security number. I believe that all these energy companies are the same people. I am not sure how a company is using my social security number for energy services in Texas. I have contacted a few of the companies and only one would take it off of my credit report. The others are giving me a hard time. They asked me to send them a copy of my ID and social security card which does not sound right to me. I am XXXX years old and I have not traveled to Texas or any where to that matter. I filed a police report and put a freeze on my credit report. I will attach the police report and other information I have to show that these companies are in Texas. I am a victim of identity theft. I will also attach my XXXX bill to show that I live in XXXX and I pay my XXXX bill on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Not mine. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: MO

Complaint narrative:
I have three remaining student loans with Navient. About once every other month I have to call to inquire about why the minimum payment has been allocated in a way that is inconsistent or incorrect. Each time I call I am told it will be fixed and they are not sure why it was allocated in this way. These misallocations result in a higher percentage of my payment going towards interest and allows the interest to accumulate ultimately making my final payment further away and costing me more money. Today I spoke to a representative who told me that the way I see my account ledgers online is not consistent with the way she sees the same on her end. She also conveyed that " the system '' was allocating money towards loans I have already paid in full ( one a full year ago and another three full years ago ). She could not explain how or why either of these things were occurring but told me she would " submit a ticket '' and that the problem should " probably be resolved within two weeks ''. Each time this happens, particularly before I understood what was happening, Navient collects more money from me, my interest goes up and my credit is negatively effected based on the total borrowed balance compared with the total paid balance. This also keeps me in debt even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The name of the company is XXXX XXXX ( not sure if that is how it is spelled ), the amount they said was XXXX, when i was going through the list of questions to ask a fraudulent debt collector, Mr. XXXX got upset. I ask the address of the collections agency, he would not give it advising that in this world of XXXX it would not be safe. When i asked for the address of the debtor, he got upset and refused to answer advising since i had already said I was me ( saying my name ) and verified my birth date that was enough and then got upset saying i was being difficult and refusing to help. He hung up, i then called back to talk to him again, to advise him i was asking the questions to make sure he wasn't a fraud. He then got more upset and said he would garnish my wages and have me served with papers at my work or home. i tried to explain why i was asking and he said he was blocking my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
inXX/XX/2019 i submitted a dispute to transunion because they were incorrectly reporting my balance for my XXXX XXXX account ( # XXXX ) and my XX/XX/XXXX XXXX XXXX account ( # XXXX ). for two months they did not update the XXXX  balance on these accounts. upon receiving the results of the dispute, i was notified that the accounts were removed and that transunion would no longer report them. this made my credit score plummet severely. the XXXX XXXX limit is XXXX and the XX/XX/XXXXXXXX XXXX limit is XXXX. when i called them back they stated i was an authorized user and that they were not obligated to report. this subtracted XXXX from my available credit and was detrimental to me. i was denied housing because of it. when i called again transunion stated that if the primary card holder requested that i be reinstated on the reporting that they would resume reporting. after doing what they said they still have refused to report my credit history on these accounts.i have been paying these accounts on time and have maintained creditworthy history that i need reported. 
transunion is also reporting incorrectly on my XX/XX/XXXXXXXX credit card account. this account is paid in full and agreed by credit grantor to be deleted. transunion is reporting it to still have a balance and charged off.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
On XX/XX/2019 I submitted a dispute about incorrect information on my Equifax Credit Report ( Case # XXXX XXXX. In fact, this was the third time I submitted a dispute, after the first two filed disputes for the same item resulted in their removal. On XX/XX/2019, I received notice from Equifax that the disputed item has been investigated, shown not to be owed and removed from my credit report ( Confirmation # XXXX ). 

Now I have recently received notice that the disputed item, has been placed back on my credit report, for a fourth time. I called Equifax and spoke to XXXX # XXXX, who stated that I would now have to file another dispute to get it removed from my Credit Report for the fourth time. 
Even more concerning ( besides her not my problem attitude ) is that she states that each time a collection company reports the same disputed item, regardless of the fact that they know it is fraudulent, that I would have to file another dispute. Considering there are hundreds of collection agencies, it could result in hundreds of disputes being filed for the same fraudulent item. 
I am requesting that the item be removed for the fourth time and that the Consumer Affairs Division investigate Equifax for what appears to be an on going practice to extort money from people, who don't owe the money. This is exactly what the Consumer Affairs Bureau was designed to guard against. Please take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
What happened? 
MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... .. XXXX XXXX AND FREEDOM MORTGAGE intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan. The Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. Freedom Mortgage used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...

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 2019-05-08 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: GA

Complaint narrative:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a promotional offer from US Bank Flex Perks Visa indicating that I could use the check enclosed and while I would be charged a 3 % of amount initial charge there would be 0 % interest charged on the amount of the check if paid off before 18 months had elasped. 

I also used the card to purchase other items. It turns out that they will not allow me to pay for the other additional items, but all payments go to the promotional amount until it is paid off. In the mean time they charge me 21 % interest on the purchased items. 

This is classical bait and switch if I have ever seen one. They should be required to live up to the promised advertizement and make seperate payments for the promotional amount and purchased items. 

As it stands, until the initial promotional loan is paid, I will be charged interest on the purchases and in my phone call with them they admitted that there isn't any way for me to pay for purchases each month seperately. 

This is false and misleading and needs to be corrected.

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 2019-05-08 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: Conn's, Inc.
State: CA

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Two fraudulent charges appeared on our credit card statement. One was a cash withdrawal from an ATM for {$210.00} and one was a dinner charge for {$77.00}. Both were made the same day, within an hour of each other, in XXXX, New York. The company is Capital One. The dinner charge was made with a chip enabled card and Capital One claims this proves I am wrong ( and therefore lying ). We had the card in our possession the entire time and did not mae the withdrawal nor the charge. 

The withdrawal was credited back to our account, but not the dinner charge, because Capital One claims the card used was chip enabled. This seems wrong to me, since we did not make the charge. 

Assuming Capital One is telling the truth, there is a security problem with their chip card enabled technology. I have cancelled our cards with Capital One, since I feel they can not be trusted.

Company response to consumer: Closed with monetary relief