vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I consolidated my loans with Navient. I tried to enter into a IRP. I filled out the application process several times and each time it was denied or did not go through. My Navient advisor was not helpful, couldn't explain why and would just send me emails stating I should reply yes to get it deferred. There was no explanation of fees or charges and I lost my job while trying to get my loan IRP in order. Navient said deferment was my best option. I was out of work for 5 years and this year went back to work. I was contacted by XXXX a credit recovery service who said my balance from Navient is XXXX and I now in default and owe the total XXXX. My original loan had now ballooned to double the amount owed and the loans through Navient are in default. My other loans through XXXX are in good order. I have tried to get an explanation, log on to my Navient account and am unable to do so. I was fraudulently charged double my loan with no notification or explanation. Original loan is XXXX, XXXX with a 6.8 % interest rate that is an additional XXXX. Navient has charged me an additional {$52000.00} which is more than my original loan amount!!!!!!!!!!!!!!!!!!!! 

1.XXXX university original Balance {$8500.00} - with fees from Navient {$14000.00}. XX/XX/XXXX {$4200.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX XX/XX/XXXX {$4200.00} 2. Orginal loan {$30000.00} with fees from Navient {$53.00}, XXXX XX/XX/XXXX {$30000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX 3. Original loan {$12000.00} with fees from Navient {$25000.00} XX/XX/XXXX {$12000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX BK BANKRUPTCY CLAIM, ACTIVE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Equidata, Inc.
State: TX

Complaint narrative:
credit report showing information that is not mine please have it corrected

Company response to consumer: Untimely response
Consumer complaint received 2018-12-28 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: TX

Complaint narrative:
credit report showing information that is not mine please have it 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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have just successfully started credit freezes with XXXX and XXXX, but I have had problems trying to initiate a freeze with Experian. I first tried to do so at Experian 's online freeze center, but after entering relevant info, including SSN and other details, I was told that my account could not be established. Some of the questions that came up along the way seemed irrelevant to my credit history. I then tried their phone, based on info at their website : XXXX. I talked to someone and repeated the relevant info, and that person kept asking me questions, some of which seemed irrelevant to my credit history. After roughly half an hour, I had to terminate the call without resolution. I have since tried to recontact Experian. When I go to their website https : //www.experian.com/help/ and click on the options for a freeze, I repeatedly am directed to a screen that fails to load : https : //www.experian.com/ncaconline/freeze This has been the case for the past 24 hours. I also have gone back to the same phone on which I had talked to an Experian agent ( the number above ), but when I do so I am first asked for my SSN, and when I enter it, I am given an option to get my credit score but it has so far been impossible for me to speak to an agent there. I am therefore locked out from online help and from phone help, and their info provides no other ways to contact 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 non-monetary relief
Consumer complaint received 2018-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.

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 2018-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Capitol one then closed my account. I called spoke to an account specialist on XX/XX/XXXX. She advised me that if I made 3 consecutive payments on time they would reopen the account. Since then I have made more then enough payments on time. And will be paying off the account on XX/XX/XXXX. I have been calling to get my account re opened for close to a year now and yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account his name was XXXX  ID # XXXX and he stated he doesn't know why the account manager would tell me that there are no notes stating that. I informed him if they monitor calls please play that call back and you will know that as a consumer I was right. He stated sorry he could not honor that. How sad that this company doesn't stand true to their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I mailed a letter to this company to remove the unauthorized inquiry from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 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:
I noticed on XX/XX/2018 from Equifax credit report, two credit card accounts issued by XXXX XXXX XXXX, which I did not open nor authorize. One of them has a balance of {$9900.00} but Equifax credit report does not show the account number that I can track. I notified on XX/XX/XXXX to XXXX XXXX XXXX   Fraud Dept. that I am a victim of identity theft and asked for investigation. XXXX XXXX XXXX could not locate these two accounts using my correct full name, social security number, birth date, nor the address. XXXX XXXX XXXX told me I need to rely on Equifax for providing full details of fraud accounts to XXXX XXXX XXXX to resolve the issue. I have so far disputed this fraud accounts to Equifax, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}. 
We were told funds would be released after ten days. 
On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box. 
We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it. 
We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX.

On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check. 
The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive. 
At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: IA

Complaint narrative:
I told XXXX XXXX to stop collecting payments, but they continued.

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 2018-12-28 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: U.S. BANCORP
State: CA

Complaint narrative:
I contacted US Bank in XX/XX/XXXX in regards to fraud charges on my credit card. I told the representative that there was a a long list of fraud charges on this card. About 62. I listed them individually. However, as time passed, I got a few letters with refund for about a few of those charges and I have not heard from US Bank again since XX/XX/XXXX about the rest of the charges or any final resolutions.

In addition, they sent me a few new cards .... and they all seem to relate to this account. So now in addition to not being addressed properly about the fraud charges, I have in my possession several different credit cards and I do not know which one is which or which refers to this account where the fraud occurred. 

Attached is the list of fraud charged. I have been calling US Bank trying to resolve the issue with no resolution. This bank is truly the worst.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2018 I attempted to freeze my credit with the three major credit bureaus as a precautionary and preventive measure. XXXX  and XXXX XXXX were not a problem and completed online. Equifax would not let me proceed and required me to call. I talked to two people and they would not freeze my credit. They asked questions such as the month and day the last time I disputed my credit. Like I know that kind of information ... They said I have to send a copy of my social security card and drivers license which I am uncomfortable with doing. My complaint is the other two credit agencies have a process online of controlling my own credit and Equifax is painstakingly difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: GA

Complaint narrative:
On XX/XX/2018 I sent a certified dispute letter to Experian regarding reportings of bankruptcy on my credit report. I asked that the information be removed because they are not my files and to provide proof of verification on how they obtained this information. On XX/XX/2018, I received an email from experian stating that the information was updated and is accurate. On XX/XX/XXXX I called experian to receive proof of verification and I was laughed at over the phone, I was told they didnt have to provide proof of who reported it. I also spoke with a floor supervisor name XXXX who states he is in a call center in XXXX XXXX XXXX XXXX. XXXX informs me that the bankruptcy court verified this information. However I spoke with the clerk of the US Bankruptcy Court of XXXX District Georgia who informed me that they do not report any information to the credit agencies. Experian is refusing to provide me with the company whom they claim verified this information. And based on the information I received they did not get verification.

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 2018-12-28 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I had sent WELLSA FARGO DEALER SERVICES a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''

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 2018-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I had sent XXXX XXXX XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''

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 2018-12-28 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: NJ

Complaint narrative:
I wrote a letter to this company on the XX/XX/XXXX via certified mail on the XX/XX/XXXX and it was received.

This company made a unauthorized inquiry on my report without my consent.

Company response to consumer: Closed with explanation