vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit 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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have a Barclays MasterCard that I use for balance transfers to manage some debt. I previously had two 0 % promotional offers from there, and all was recently. Recently I made two more balance transfers at a promotional rate of 0 % online. When I received my recent bill though, the past two transfers were at their standard 18 % interest rate. I clearly would never accept these terms. I have other credit card transfers I could use, but chose Barclay because I liked their promotional terms. But they now say there were no promotional terms. Unfortunately I did this all online and have no evidence of these terms. I talked with three people at Barclays, and an online chat. All said the offers were never there, and nobody offered to have moderate the terms or offer anything to me. They accused me of not being honest. But I've managed debt this way for years, and know the ins and outs of these types of deals very well. I'm not wreckless nor in error here. The offers were there and they refuse to honor the terms. 



. However on my last statement, they show up at 18 %. This is totally incorrect ; I used the online promotional transfer option as I had done before. I need for you to correct your system so that I'm not paying a ridiculous interest rate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I private loan with navient corporation I told them that I was under borrower protection because my school I attendant was doing fraud practices. And the schools was order shut down the private was I am not sure about the amount. If possible can I get some of that money back in a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. 

I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. 

This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 Navient reported to all three agencies that my student loan balance increased by {$3100.00} and then Navient on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call Navient and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why Navient reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if Navient fixes the mistake. 

Navient inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: NY

Complaint narrative:
im am writing in regards to Experian reporting inaccurate information on my credit report. i have no acknowledge of the tally tech account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA failure to do so will result in a small claims court law suit reporting to the state attorney general better business bureau and the bar association

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have been paying Ameritech Financial Services for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that Ameritech was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that Ameritech said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that Ameritech was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my fedLoan login information.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 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: NJ

Complaint narrative:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the 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 2019-02-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was XXXX points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped XXXX points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped XXXX points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the XXXX point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the XXXX points even if XXXX fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The XXXX point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: NJ

Complaint narrative:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX  reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the 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 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I have a {$1000.00} loan with XXXX XXXX XXXX that was initiated on XX/XX/2019, with my first payment being made on XX/XX/XXXX. The payments are extremely high and extremely frequent. They call it an installment loan but in effect it is a payday loan that circumvents the California {$250.00} limit on payday loans because they are a XXXX XXXX XXXX. However, they still collect payments on paydays rather than monthly. At the start of the repayment plan, each payment every 2 weeks surpasses {$300.00}. I knew this when I accepted the loan and knew money would be tight however I'm reaching a point where payments of this frequency are going to cripple me. I've had to miss work to get dental work done. A monthly payment at a lower amount would be much more manageable for my current financial situation. Otherwise I don't know what's going to happen in the next month. These payments could spiral me into inescapable debt, largely due to the biweekly collections resulting in over $ XXXX/month due. I simply can't afford this right now, but I want to avoid defaulting. I don't want to be in a situation where I'm taking out further loans just to pay this one loan back. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Strategic Alliances, Inc.
State: UT

Complaint narrative:
1ST FINL INVSTMNT FUND Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TN

Complaint narrative:
I have contacted Equifax 3 times to dispute health care collections bills that have been paid. On XX/XX/2018 I paid 2 medical bills to XXXX XXXX XXXX using my credit card. I have receipts of payment for {$78.00} and {$190.00} respectively are the amounts reported as collections on my Equifax Credit report. I disputed these accounts with Equifax. The dispute results attached show Equifax claims they validated the creditor 's claim. This is impossible given I have receipt of payment. I disputed the claim again, this time in writing and provided copies of the receipts. Equifax still has not removed these collection reports from my credit file. Attached are copies of the receipts of payment to the medical company, a copy of the letter I sent to Equifax, a copy of the 2nd dispute resolution letter where Equifax claims they validated the creditor 's statements, and a copy of my most recent credit report with Equifax ; which shows the collections are still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I check my credit information both on XXXX XXXX credit check and XXXX XXXX in my XXXX  credit report I noticed a hard inquiry that I did not approve, the company syncb is a national credit card/airlines company based out of Florida, it says the inquiry was placed XX/XX/2018. I do not recall placing this request or approving of it and I would like it removed.

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