vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.

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 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. 

I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! 

RS Clark & Associates, Inc. 
XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Nelnet, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX I received notification from XXXX that my Income-Based Reduction payment plan was expiring. When I attempted in XX/XX/XXXX to re-apply I was denied an IBR plan and the reason stated was that I no longer qualified because the loan had to be paid off. I was told that I had 10 years to pay off the loan and that I'd actually been given 17 years - thus, I'd been " paying on the loan too long. '' The new monthly payment amount was set at over {$70.00} a month, which is on top of the {$250.00} a month payment that I make to XXXX for the bulk of my remaining student loan debt. On XX/XX/XXXX I again requested some repayment option that would reduce my monthly payment. I informed XXXX at that time that my spouse had become unemployed and I was unable to make the monthly payment of $ 70+ a month. Again I was told I had " no other options '' but to make that payment and pay off the loan in full. In the process of that call, I requested to be placed on a forebearance until my husband could reestablish employment. XXXX says ( on XX/XX/XXXX ) that the call was disconnected in the process ( I was told the forebearance was in place during that call before it became disconnected ). I received another letter the following month saying my loan was past due, so I called Nelnet again on XX/XX/XXXX to request a forebearance until my husband could reestablish employment and was granted two months - I was told my next payment due would be XX/XX/XXXX. I received a letter this week, dated XX/XX/XXXX, that stated that my loan was past due. Upon calling Nelnet today ( XX/XX/XXXX ), I learned that a wrong forebearance code had been placed on my account which allowed for a " reduced forebearance payment '' of {$71.00}. I called to dispute the fact that I had a forebearance, and also stated that I was told in XXXX that my forebearance could be retroactive to when I had initially requested it in XX/XX/XXXX. Today, I was told that no retroactive process could be put in place for the XXXX payment but could be applied to the XXXX payment. When trying to dispute reporting of late/past due payments the customer service representative informed me that they were unable to dispute EITHER month 's negative reporting to the credit bureaus. No reason was given. To date, Nelnet has refused to offer me reasonable repayment options for the loan, which they bought from another servicer XXXX years ago, and have now demanded payment must be completed on. My husband and I are unable to make that monthly loan payment in addition to the monthly loan payment that we make the other servicer of my student loans and the monthly payment we make for his student loans as well. Nelnet has given me no opportunities to rectify my account, and in the process, is responsible for damaging my credit due to their errors, which they will not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Hello I am a XXXX % XXXX veteran who is affected by Hurricane maria in XXXX XXXX. Presently my home is unhabitable and I am staying in a Hotel paid for by FEMA. I quickly filed a claim with the insurance company picked by my Mortgage priovider, XXXX XXXX XXXX claim number XXXX. Back on XX/XX/XXXX an Appraiser went to my home and conducted an inspection. XXXX XXXX from XXXX XXXX a sub contractor for XXXX XXXX XXXX estimated my damaes at over {$80000.00}. I waited over 4 months for them to reply with a settlement. I was very shocked to hear they are only offering me {$29000.00} and taking away half plus deductible leaving me {$13000.00}. I contacted the banco Popular who holds my Mortgage. They basically told me there us nothing they can do. I filed a complaint with The Commission that regulates Insurance Companies in XXXX XXXX. They investigated and was told by the Insurance company that they are penalizing me because they say that I under reported the value of my home. They are saying the Value is over {$330000.00}. I purchased the home back in XX/XX/XXXX and the appraisel was {$260000.00}. I refinced last year into a VA Home Loan. The Appraisel from XX/XX/XXXX was {$220000.00}. The Insurance company refueses to listen to me or work with me. At this point I have a substantial amount of my savings invested in my home. I can not fix my home with the amount of money the Insurance company is offering me. I contacted the VA Home Loan Program and they also tell me there is nothing they can do. I find it unbelievable that the Insurance Company is doing this and actually getting away with it. I am at the end of my rope. My last option is to take a big lose and walk away from my home. So I am asking you for help. Can you help me with my situation?

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 2018-02-22 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a Wells Fargo Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that XXXX is still reporting my account as derogatory when it is paid in full.

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 2018-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: RI

Complaint narrative:
I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against Experian and XXXX  is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my Experian and XXXX reports immediately and that I am provided a copy of the updated reports for my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
I received a letter from Paul Michael Marketing without ever having received a bill from XXXX XXXX XXXX, which had forwarded the collection agency my information. I called Paul Michael Marketing and was unable to get through to them after many attempts. Several months later, I received a bill in the mail from a medical lab for {$14.00}, which I paid immediately. The bill had been lost in the mail and I had not been contacted to pay in any other way. This has tarnished my credit score at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It is impossible to cancel my membership account. I am being charged {$24.00} per month for a service I can not log into and it has been this way for more than a year. Every time I try to log into my account it says I am unable to do so and that I need to contact customer service. When I contact customer service I am put on hold for hours and never get through so the problem is never fixed. 

I have emailed their customer service as well stating I want to cancel my account and never receive anything back.

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 2018-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX Report with no problem. When accessing the XXXX/Equifax systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: Diversified Consultants, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I cancelled my cable and internet with XXXX. 

On XX/XX/XXXX I returned all of my equipment and received a confirmation from XXXX that it had been received along with serial numbers In early XX/XX/XXXX I began to receive calls from XXXX about a bill of {$160.00}. After looking into the matter with XXXX they told me it was a service charge for XX/XX/XXXX. After submitting proof I had discontinued services they said that is was for equipment. I again submitted proof and they said over the phone that this matter was resolved. 

In Mid XX/XX/XXXX I began to get calls from a collections agency. After checking with XXXX they said they are no longer able to remove the charges since they were in collections. 

After filing a dispute with the collections agency with proof, the derogatory mark was removed. 

On XX/XX/XXXX the same derogatory mark reappeared on my credit score. I know it was the same because of the amount and the fact that I have never had another mark. 

After filing a dispute with the collections agency, diversified consultants inc, I was not able to get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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:
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you

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