vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  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 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: MA

Complaint narrative:
I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I hope this email finds you well. I am hoping you can help me or point me in the right direction. I am asking Citibank to help me remove the XX/XX/XXXX delinquency on my credit report with all three credit agencies. I feel that I have been a victim of an unfortunate situation that has cost me dearly. I have been a Citibank customer since I XXXX  college in XX/XX/XXXX. I still have an existing Citibank credit card. It started in XX/XX/XXXX when I walked into a branch to close my Checking Plus account. Something happened where the account was never actually closed. I had no idea an account remained opened until I had my mortgage banker check my credit as my family and I was about to put a bid on a new home. In the time it took for me to research exactly which account was showing a balance on my credit report, and to my surprise, I was charged with a 30 day late payment delinquency. Furthermore, I had accrued well over {$1000.00} in fees that I truly had no idea about. There is so much more to this story, and if you take the time to look at my history, you will find that something is just not right here. I have since paid my account in full, and all I ask is that considering the circumstances, that you could help me remove the delinquency from the three credit bureaus to help put this nightmare behind me. I do not feel that it truly represents my ability and willingness to pay my debts and has cost me a huge amount of trouble and a home that we missed out on buying. I have written letters to Citibank and to all three credit agencies. The conclusion I have found is that only Citibank can remove this. I have called Citibank numerous times, spent hours on the phone, have gone to the branch in which the account was closed, and even have been emailing with that branch manager ( see email chain below ). I feel like I am at a dead end and this has become my last resort. Please help me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA
State: NE

Complaint narrative:
I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a  7 year old  debt to credit reporting agencies, but they will not provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report. There is even  NR ( X ) not  reporting on the months of the accounts that further prove these accounts are not verified. They  need to delete  these account immediately.

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 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: AR

Complaint narrative:
Stellar Recovery recently reported a {$560.00} collection account on my  XXXX   XXXX  credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Remarks : Unpaid balance reported as a loss by credit grantor. The account was paid in full. Incorrect information. Please delete account from my report. In violation of the FCRA &amp; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I moved out of an apartment in   XXXX   XXXX     and received my final bill from my electric/gas company "  XXXX   XXXX  '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with  XXXX   XXXX  support staff that my outstanding bill would be automatically withdrawn for the full amount.     Months passed and I received a letter from a credit collector  " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by  XXXX   XXXX  which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Allgate Financial, LLC
State: CA

Complaint narrative:
I was sued and had a wage assignment for a credit card issued by  XXXX  that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done b y Equable Ascent Financial LLC  and  XXXX    XXXX   XXXX  . I want to recover my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: NV

Complaint narrative:
Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Since incurring my student loans - I have been called, harassed, and disrespected every time I had an interaction with anyone from Navient with the exception of the la st 3 or 4 phone calls. After exiting college ; I knew nothing about how to pay back student loans or what my options were. When I called Navient they told me that if I could n't afford to pay the loans I could easily put them into forbearance. They made it sound like this wa s my only option. After I did it the first time, they would just text or email me and tell me to reply " YES '' to keep my loans in forbearance, so that is exactly what I did ; what I thought I had to do. I could not afford the payment they wanted from me, and I was worried about what my loan status was going to do to my credit. I did n't know that during forbearance my already high interest rate was going to continue to accrue at a rate so fast that by the time I realized what was going on I owed almost as much in interest as I did in original principal. In    XXXX   XXXX   XXXX      I attempted to work with  Navient  to pay off my loan in one lump sum. I offered to pay them {$21000.00} if they would " forgive '' the remaining  XXXX   XXXX  dollars I owed them ( which would be a very small portion of the exorbitant interest I had accrued ) but they refused to work with me at all stating that they were not allowed to negotiate any deals. Had I not been steered wrong from the beginning, my credit report and I would both be in much better shape than we are today. In  XXXX    XXXX   I finally applied for a different repayment plan and I 'm still waiting to see if I have been approved. I truly believe  Navient  is a scam of a company and only out to benefit themselves and turn the largest profit possible at the cost of the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Midwest Fidelity Services, LLC
State: TX

Complaint narrative:
XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NM

Complaint narrative:
ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I applied for an extension on   XXXX   XXXX  . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on   XXXX   XXXX  . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through   XXXX   XXXX   which does not exist in  XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is  XXXX  and I pay  XXXX  which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today  XX/XX/2017    at   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I purchased furniture from     XXXX   XXXX   t  hrough a company called  XXXX  Now. I 've never been late on this account ever I was having financial hardship. I called the store spoke with the  XXXX  she said if I returned the merchandise I 'll be fine. I took the necessary steps I also asked her was this going to affect my credit she insured me that it would n't. I checked my credit report I was reported late in  XXXX  and  XXXX ? I disputed this item with credit bureaus also sending in the receipt from the company with the date the merchandise was picked up. This merchandise was picked up in the beginning of  XXXX  so how I was late for  XXXX  and   XXXX   and the account was closed in  XXXX ? I 'm asking the bureaus remove this negative information off my report

Company response to consumer: Closed with explanation