vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted by phone by someone claiming to be from The Department Of Treasury.His name was XXXX XXXX. He told me an arrest warrant was put against me. I was told I owed back taxes. HE TOLD me he had the authority to cancell the warrant if I paid the back taxes. HE used my debit card to the amount of {$2200.00} by using a XXXX XXXX  card.I have his number. Also he keeps calling my cell number .I was scammed on XX/XX/2019 between XXXX and 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 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Never received notifications of the collections account until I noticed it on my credit report. Today I called the hospital and requested the date of service, the date of first statement was sent out as well as the original due date of this bill. The answers were as follows. XX/XX/2018 date first statement was mailed XX/XX/2018 and original due date was XX/XX/2018. The collections account was opened on XX/XX/2018 at this point the bill was only 120 days past due and only 150 from first statement. FAIR DEBT COLLECTING ACT states a medical bill must be 180 days from when it was owed before its allowed to be reported to the credit reporting agencies. That would have been XX/XX/2018. I have Medicare and it takes a few months to figure out from them what is being paid and what isnt. I was not trying to avoid paying this {$54.00} medical bill just waiting until I knew what was actually owed. I received a different amount owed each month for the bills I did get from the hospital. I arraigned payments with them and even made a payment to them after this was sent to collections. I was later informed I was paying on a different amount owed however every bill I saw had the total amounts of all services on them they were not separate bills for each date of service so I can not see how I was paying a different bill and they sent this to collections. The hospital is taking ridiculous amounts and separating the bills to show multiple collections for the same doctors visit. I was informed today there is a separate collections account for {$7.00} and yet another for a different amount I havent seen a bill for any of it since XXXX or XX/XX/2018. I only saw one doctor and one bill was submitted to Medicare how can they separate this into micro bills so they can unfairly attack my credit report because they mistakenly thought I didnt want to pay even after I had called and made arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Purchased used car from XXXX on XX/XX/XXXX. The total price was {$15000.00} with no money down. Included in this purchase price was {$3100.00} for an optional XXXX XXXX. 

I canceled the XXXX XXXX on XX/XX/XXXX. I've called XXXX XXXX to confirm that the optional warranty was canceled. 

XXXX needs to refund back the {$3100.00} to my lender Wells Fargo. Since my cancellation I've made my 6 payments on time. Since this {$3100.00} represents about 20 % of the principle, I'm paying interest on a warranty I don't have. Based on the 20 %, I've over payed about {$100.00} on interest so far. 

I've spoke with XXXX several times, XXXX XXXX and Wells Fargo.

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 2019-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XXXX, XXXX so I asked my sister to add me to her XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. 

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

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 2019-02-14 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient is reporting my accounts as late when I was in forbearance and it damaged my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I receive continual phone calls from this company, and I have no existing debts. If I continue to receive phone calls from any number, of which I report, I will subsequently seek legal council, and pursue punitive recourse against further harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted XXXX/XXXX, for a replacement credit card. Instead of issuing a replacement card, they ran a credit check without my permission and issued a new card thus reducing my credit score and ability to get credit at a lower rate. 

I have contacted all three credit agencies as well as XXXX/XXXX   and all involved gave me the run around several times, saying that they could do nothing and only the other company could fix it, while none of them did anything!

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 2019-02-14 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:
I recently attended a credit counseling seminar and they told us to monitor our credit I checked my credit report just to see exactly what was on it. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ', 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 2019-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
XXXX XXXX violated my right to dispute the debt, specifically related to the XXXX vs. XXXX XXXX XXXX XXXX. She told me she couldn't mark debt disputed through verbally, must have written which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We had an auto loan through Wells Fargo. The vehicle was paid off in 2017. Im trying to trade it in towards a new vehicle and it is still showing that there is a lien on the vehicle. Ive been calling Wells Fargo for 4 days trying to get a lien release letter sent to the car dealership and they keep giving me a different answer every time I call

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 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
I opened a business account with XXXX XXXX, I went to deposit some checks on XX/XX/XXXX. The teller said my account was closed, I asked why, she said I had closed it. I went home to look at my statement and the account was never closed by me and it had money in the account. I then called customer service and told them of their error, XXXX said the account was closed due to several return mail fees, she said someone would contact me within 5 days, later that day XXXX called me and said the account was closed due to return mail fees, he also stated it was my responsibility to notify the bank of an address change, he was shocked when I told him my address never changed, he said he would investigate and call back on XX/XX/XXXX after he talked to the branch. XX/XX/XXXX it was getting late so I called XXXX back asking for the explanation, he said the branch had no explanation, I asked him to reopen the account and put the money back into the account, he refused and said he could do nothing about it and it was up to the branch manager. I called the branch manager XXXX at XXXX XXXX XXXX, XXXX SC XXXX. XXXX stated they do NOT have any proof of returned mail but my account was charged for the returned mail fee, then charged every month after until all money in the account was depleted, they then closed the account. XXXX also stated they do this if an account is inactive hoping this will trigger the customer to question the fee, but the customer only has two weeks to dispute the fee. I believe this bank never sent a letter to begin with, the post office would stamp the letter saying return to sender with a date back to the bank and they would have proof it was sent. XXXX then refused to reopen the account and put the money back into the account. XXXX then offered me to reopen the account after I came in to sign a new contract for the account. I then understood what they were doing. This bank merged with another company and my original contact was with the former bank which had no monthly fees to service business accounts. XXXX XXXX not only fraudulently took money from my account for returned mail fees they never sent but also purposely closed the account so I would be forced to sign a new contract which included monthly fees to service business accounts. I also requested the explanation in writing from XXXX  XXXX and all parties refused. I have contacted an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 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: CA

Complaint narrative:
i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. 

http : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. 
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. 

upon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. 

i believe i am being discriminated against because the of the lawsuit settlement. 

this has been the same ongoing practice since XXXX XXXX. 

i have filed complaint after complaint and still no resolve.

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 2019-02-14 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-14 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: GA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made a promotional purchase through XXXX XXXX with an XXXX  XXXX credit card in XX/XX/XXXX. I was suppose to have until XX/XX/XXXX to pay off the promotional purchase without paying any interest. I had made several prior promotional purchases and several after that date. After I made the purchase ( I believe it was in XXXX ), XXXX XXXX closed out their credit card department and I received a letter that the account had been moved to Synchrony Bank and they would issue me a new card but all of the terms and conditions of my purchases with XXXX  XXXX would remain the same. I continued to make over payments on my account every month from XX/XX/XXXX to XX/XX/XXXX so all of my promotional purchases would be paid off in advance to avoid interest charge. When Synchrony Bank took over my account, they failed to apply my overpayments correctly. They applied them to the newest purchases instead of the oldest purchases. When I noticed what they were doing, I called and they said they would go back and properly apply my payments. Then I was told that my promotional payment ended in XX/XX/XXXX instead of XX/XX/XXXX. In XXXX, they charged my account with {$1600.00} interest charge because they said I failed to pay off my promotional purchase in time. When I called to talk to them about it, they opened up a complaint and said that I had failed to provide them with documentation to dispute the purchase in XXXX. I never disputed the purchase, only the interest because I paid it off prior to the expiration date. When I explained this to them, they told me the interest was not a disputable charge and I owed them the money.

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
FINAL WARNING! 

As a result of my previous complaint, both myself and the CFPB have confirmed that this company did not send what was requested and what is mandatory to have in order to report to my credit. Their neglect to have any sufficient evidence and proof that the account belongs to me makes them in complete violation of the FCRA 623.

Thankfully, the CFPB representative just directed me to helpful legal authorities, but in an attempt to resolve it without suing the collection agency, I am giving them one last chance to delete the account immediately. I have  recorded my phone call as well with the CFPB of them stating that what was sent is not what was requested nor is it proper validation. 

An itemized bill that your agency typed up or printed out is not validation! An original contract bearing my signature is required according to the FCRA.

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation