vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: NY

Complaint narrative:
Fidelity gave a duplicate credit card to an unauthorized individual in another state without verifying proper identity and refused to tell me about that individual ( his/her address, e.g. ). When I found out, I was forced to change my credit card number. Now I can not log into my online account ( I do not know why ). I called Cardmember services and offered seven pieces of identification. When asked for an eight, I refused and requested a manager. After transfer, the person on the other line requested those same seven pieces of identification again, and I had to add at least an eight. I can not email without logging in and that is the isse. I can't pay without logging in and that is the issue. The pin number I established after their security breach isn't being accepted. My hands are tied. The card is no longer usable.

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 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: UT

Complaint narrative:
i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is this statement that is on my credit file with Equifax that I did not authorize. Below is the statement : " ALL THESE ITEMS HAVE BEEN DISPUTED WITH XXXX  AS FRAUDULENT PREVIOUS DISPUTE DATE ENDED ON XX/XX/18 I WOULD LIKE THESE ITEMS REMOVED FROM MY CREDITE REPORT THEY ARE NOT APPEARING ON XXXX OR XXXX  ALSO REMOVE THESE FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX EMPLOYER ( S ) XXXX XXXX THANK YOU! '' I have asked them several times to remove it, its still appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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:
This account XXXX XXXX BANK XXXX on my credit file doesn't belong to me. It has me listed as " AUTHORIZED USER ''. I did not authorize to be added as an authorize user. I have reached out to Experian to remove from my credit file, but it is still appearing on my 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 explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I began with my credit card. I made normal payments like usual on them for a consecutive amount of months no problem.however around XXXX the card went missing so I was checking to see if the card was closed. They let me know it should be done and I waited awhile for everything to go back to normal. More payments soon appeared onto the card and I asked the bank if the card was really closed, but instead they closed down the account And didnt allowed me to no longer access my account directly. Soon after even when the account kept being messed with after this event I still wasnt let on what was happening. They finally lmk that I owe them over XXXX dollars worth from what was built up on my credit card from this fraud but had no idea why they couldn't just prevent any use of the card.my only concern then was to find a answer to which they told me they came to the conclusion it was me or someone I willing let do this. I dont know how it makes sense to let someone use up your credit card when I clearly said close it but they didnt want to listen. This needs to be fixed

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Dear Citi bank I have been disputing incorrect information on my credit report for about 6 months now with the reporting agencies and they keep saying that you are reporting this information is reporting correct. I have sent them factual proof that these accounts are not reporting correctly as I have did once again see File citi account XXXX XXXX  is showing a 60 day late for XX/XX/2019 then on XX/XX/2019 another 60 day late! How is this Possible? XXXX  is showing all Ok up until XX/XX/19 they are showing XXXX which is a unknown this is a violation of the FCRA and must be deleted. ASAP this is incorrect information reporting and this account needs to be deleted ASAP I lost my job due to the fact that I work around money but when companies like you report this type information and keep saying oh it's reporting correctly and it's not is a crying shame the way you treat people but think about it what if the tables were turn and this was you how would you feel Just think about it? Please delete this account From all of the reporting companies ASAP

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 2019-06-01 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: OH

Complaint narrative:
Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. 

Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. 

Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). 

I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. 

I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. 

Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
U S bank has charged me $ 550.00+ in bank fees since XX/XX/2019 2019

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 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Account Control Technology, Inc.
State: NC

Complaint narrative:
None of the options on the previous screens truly described my situation so I hope this gets to the right place. A week ago I tried renew my NC vehicle registration and was told that I was not allowed to register based on a hold placed by Account Control Technologies ( XXXX ) XXXX. They stated that I had a toll balance that had gone to collections over a year ago, I had never received prior invoices or notices of this balance and had no knowledge of it. I called the collection agency and had no choice but to pay the debt if I wanted to continue to be able to drive my vehicle. I made that payment on XX/XX/2019 at XXXX XXXX ( literally immediately after I became aware of this debt ). 

The payment came out of my account on XX/XX/2019, and as of XX/XX/2019 ( the date my registration expired ) they still had not reported the payment to XXXX XXXX to allow me to reregister my vehicle. A representative from XXXX XXXX called Account Control Technologies with me, Account Control Technologies confirmed that I did pay but stated that they had no control over when the system would send notification to NC XXXX and would not help me. So Account Control Technologies is holding my rights to reregister my vehicle hostage over a debt I was never aware and paid immediately upon being notified of it. This means I can not drive my vehicle which could affect my job.

Please help me to get this rectified and save others from this same fate, collection agencies should not be able to prohibit an US Citizen from being able to register a vehicle over a debt that has been paid to them. I feel that they are using the collection powers provided to them by the State of NC in an abusive manner which could harm me and my family.

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 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Constantly calls. Calling 1 or 2 times per day. I've asked several times to contact me via postal mail and to stop calling me on my phone. Just got a call at XXXX this morning. They need to stop calling me. The company is called portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Here is another account that is reporting incorrect information XXXX XXXX is showing a 30 day late on XX/XX/19 also another 30 day late on XX/XX/19 how is this possible?? XXXX is showing a 30 day late on XX/XX/2019 then a 90 day on XX/XX/2019? XXXX is showing a 30 day late on XX/XX/19 XXXX is showing 30 day on XX/XX/19 then a 90 day in XXXX How is this Possible each agencies is showing different late payments on different Month? I have disputed this account more than 15 times with the reporting agencies and Guess what They say citi is verifying this information correctly I'm sick of the games that you and the reporting agencies play please delete this account ASAP as the information is incorrect fcra states that credit reports must report 100 % accurate The law is very clear as to the Civil liability and the remedy available to me I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2019-06-01 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: KS

Complaint narrative:
I have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either

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 2019-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Im currently with Navient  as my loan servicing company and I have tried MULTIPLE times to work with Navient with no success and no relief in the end. Navient received my loans from Sallie Mae after the switch and I have continuously tried to work with them since XXXX the year of graduation. My original loan was for XXXX from XX/XX/XXXX with a 6 % interest rate. I have have ASKED on several occasions can I get a lower payment with Navient and time and time again I was told " I do not qualify based on my income '' and to just do a forbearance. Then I proceed to ask for the income based repayment based on the fact that I work fro the Department of Veterans Affairs Healthcare ( worked from XXXX & then from XXXX to present ) and have continuously. Again I was denied because of income and even denied based on the location at which I work. Which I thought the VA was a facility that was granted forgiveness because of income and population. Overtime, I have incurred several forbearances and now the loan has trippled in what is owed due to the forbearance and the interest rate. NAVIENT does not work with working mothers trying to stay above water on maintaining a good credit to be able to provide for her children. In addition, when you tell NAVIENT you can't afford what the payments are going to be there wonderful customer service says " how about a forbearance until while we check for applications for the IBR-income based repayment ''. Soon after you will get the denial and back to square one ... SO FRUSTRATING AND DEFINITELY SOMETHING THAT STRESSES PEOPLE TO THE NEXT LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have send mail register company with important message inside the XXXX they I had sent through the company they assumed those the one they calling me every 30 minutes non-stop different number!!, I send the form 1040-v, with the internal revenue form 56 with my ucc-1 file with the state of New York, Treasury with my private security agreement Non Negotiable, XXXX trademark /copyright I am protected under my ucc-1. Those the trying to collect to the own Debtor, Everything is recorded in a public office.

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 2019-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either

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 2019-06-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried 3 times with Experian to get an account ( XXXX XXXX XXXX  XXXX XXXX XXXX ) removed from my report since the account was closed 14 years ago and should not still be on my report according to the Fair Credit laws and they still refuse to remove it after my last dispute and say it will remain until 2020? This has and still is affecting me being able to buy a house because of their lack of removing the account. 

I already filed a complaint with you guys and you just said that they were still investigating the account and did nothing? They have Finished their investigation so you guys need to take action!!!

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 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our XXXX   XXXX XXXX credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with XXXX XXXX XXXX, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from Portfolio Recovery Associates for the amount of {$3100.00} from XXXX XXXX XXXX and XXXX XXXX XXXX. I asked XXXX XXXX XXXX what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with XXXX XXXX XXXX. Portfolio Recovery Associates is also trying to collect a charged off amount of {$2700.00} which is also from XXXX   XXXX XXXX. It was charged off in XXXX. Also, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/2019 Equifax and XXXX have a account listed on my credit report in collection. However, the balance is XXXX, but remains in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bessine Walterbach, LLP
State: KS

Complaint narrative:
The debt was originally {$900.00} with XXXX XXXX Hospital, XXXX, KS. I was communicating with a woman in their financial department. I sent her information showing that because of my medical conditions and limited income, I could not pay the debt. I never heard anything back. Next thing I know, a lawyer/collection agency is contacting me, Bessine Walterbach, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, MO XXXX, ( XXXX ) XXXX. I went back to the hospital financial office only to find that the woman that was supposed to be handling my case had retired and left my paperwork sitting around. It was passed on to no one, and they claim they don't have the paperwork I sent in. They told me I had to work with the collection agency/lawyer 's office, that they could not take the debt back from them ( which I know is a lie ). The collection agency wanted over {$1100.00}. A woman higher up in the financial office said she would speak with the collection agency and get rid of the extra interest, bringing the debt back down to {$900.00}. She lied. I paid {$100.00} to the collection agency by check, but I was recovering from XXXX and on XXXX XXXX that I was allergic to ( causing XXXX, XXXX XXXX  and XXXX   XXXX XXXX XXXX ) but I had to stay on them. I missed a lot of work due to my condition, so my paychecks were small. The collection agency, of course, didn't care. They started demanding a {$300.00} payment, which I couldn't do. Next thing I know, I got an email from my bank telling me my account was garnished. I called them and found out that it was that same lawyer/collection agency. Now they want in excess of {$1100.00}, which with what I already paid them comes to over {$1200.00}. They took the last little bit of money I had for food, {$65.00}. I can not use my account or deposit anything in it because it will go to the bloodsuckers. My net pay is way less than {$1100.00} ( about {$800.00} to {$900.00} ). I received no notification, no letter, nothing. I was denied my Constitutional right to face my accuser in court. I want this stopped. I need to be able to use my bank account.

Company response to consumer: Closed with explanation