vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: NJ

Complaint narrative:
I attempted to pay off two unsubsidized XXXX loans in lump sums, in the online Navient system, on XX/XX/2018. These were for the amounts of XXXX and XXXX. Because I have previously done this, my bank account was saved in the online system and was the default choice for these payments. I later found out, without any notification from Navient, that these payments were 'reversed ' because 'the bank rejected payment '. My bank had no record of them even attempting this payment ; the first Navient representative with whom I spoke told me they sent me notification of this reversal, which is not true. 

When I investigated, I found that my bank account that was stored previously in the system had been deleted from the system, despite the Navient customer support having a record of the attempt from my original checking account. This is suspicious. I do not mind having to re-enter my account, but Navient earned ~XXXX  dollars in interest by having my payments reversed and not telling me about it. When I tried to have this interest taken off future payments, they told me that they can not physically connect me to the 'processing ' ( disputes ) department, and that I must handwrite a letter to send in to their department, which will take 30 days to review. 

I hope this is not a common or intentional occurrence. {$7.00} dollars, while small as a once off, could amount to quite a bit over thousands of borrowers. As a separate issue, it is obvious that handwriting a letter to the disputes department, paying for postage, taking the time to drop it off at a post office, is their way of betting that you will not follow through with the complaint. There should be an easier way to make these claims online, as there is for virtually every other process in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
on XX/XX/2018, XXXX XXXX, debit my checking out three times. I agreed to make payment on XXXX and the acct was okay with that. due to some health issues, I wasn't able to make the XXXX, but I had planned to contact them once I was feeling better, they have done this several times and I asked my bank to restrict this merchant. I believe this company has it in for me and they feel they can charge whatever they without my authorization. they should be a law for companies like this who tend to bullied customers acct without their regard. I am sure nothing good will come out this, they are tough as nails and negotiate is not an option for them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Just want a refund of {$150.00} sent to the XXXX by Western Union on MTCN XXXX XXXX XXXX on XXXX. Money was not picked up. Money can be returned to Visa Debit Card # XXXX XXXX XXXX XXXX or Visa Debit # XXXX XXXX XXXX XXXX  in the name of XXXX XXXX XXXX Additional information available if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX  as their credit card service. However, Portfolio Recovery has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX as an original creditor. Portfolio Recovery is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX  is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages portfolio Recovery to practice practice accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: GA

Complaint narrative:
I applied online for a refinance mortgage. I sent in my tax returns and other information the Company requested. They pulled my credit on XX/XX/2018. I still have not received any disclosures, denials or other info regarding my application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from a XXXX XXXX from Immediate Credit Recovery trying to collect on a student loan that was from early XXXX 's that was listed on a chapter XXXX bankruptcy and was discharged XXXX, before the laws changed on ed loans, this has already been taken off my credit, this file has been sold several times so XXXX XXXX @ Immediate Credit Recovery, i advised him of the chapter XXXX and was discharged and he shall not contact me again and close out that account due to the bankruptcy. i received another call today XX/XX/XXXX from XXXX @ Immediate Credit Recovery regarding the same account, i advise him that this is the second call from their agency and was told to not contact me again due to the chapter XXXX bankruptcy, he wants to argue that this is owing and is on my credit, when it was already removed and needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I was charged two overdraft fees. However, when i look at my account balance online and transactions, it looks like the negative balance comes on after the two fees are applied. When i spoke with them on XX/XX/XXXX, they would only reverse one of the two fees. However, it seems like they are using a deceptive practice to determine which transactions hit the account first so they can charge more fees.

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 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion has inaccurate information about my job and background

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 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.

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 2018-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.

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 2018-11-14 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:
Someone hacked my network and stole my personal information and stole my identity and opened up accounts in my name. I do not know who it was, but all I know is that there was various accounts on my credit report. I filed a police report and an affidavit with the credit bureaus. XXXX   and XXXX  removed/blocked the fraudulent information but Equifax have not and refused to remove the fraudulent account. There are five accounts which need to be removed, which are : XXXX XXXX XXXX-Balance : {$6300.00}, XXXX XXXX-Balance : {$15000.00}, XXXX XXXX XXXX XXXX-Balance :  {$40000.00}, XXXX XXXX- Balance : {$18000.00}, and XXXX XXXX : Balance : {$52000.00}. Please remove immediately because these accounts are not mine and are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, send me confirmation that you have complied with my requests.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Citi bank originally in XX/XX/2018 to tell them to cancel my account when they lowered my credit limit over unrelated information. XXXX wouldn't give me the 30 days dispute I was allowed so I told her cancel send me my bill. I was never sent bill. I call back to tell them they sent the wrong amount with added fees and late charges that I am not due because they did not send me the bill as I asked when originally requested when closed. But they kept calling and calling all of XXXX and XXXX. I called two agents in XXXX and XXXX to resolve this. Finally today after I requested they cease and desist back in XXXX and the agent corrected the bill over the phone and placed me on do not call list I got another call today by Citi bank again and still never received the correct bill in mail as discussed. I am tired of being harassed. and Not being sent the corrected bill to let me pay by mail since my account is closed? We agreed that the amount was XXXX after deleting all the extra fees and additional lates addendums that they were adding plus percentages that they calculate. but I have been trying to get this bill corrected since XXXX!!! maybe before actually but I know I spoke with minimum 3 reps. and I won't speak to anymore.

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 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, XXXX XXXX has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX  as an original creditor. XXXX XXXX is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX  as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when XXXX XXXX obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages XXXX   XXXX to practice practice accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover personal loans does not maintain accurate financial information if accounts. 

The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. 

Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. 

Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. 

No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you

Company response to consumer: Closed with explanation