vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 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: OR

Complaint narrative:
We believe someone is trying to use our daughter 's social security number. She is XXXX XXXX XXXX. 
On Monday, XX/XX/2018, we tried to open a savings account for our daughter at Oregon XXXX XXXX XXXX. They used her social security number to look up credit history and found that someone attempted to open an account using her social security number at another bank. They would not give us any detailed information about the bank or the individual. 
When I called the credit reporting agencies, they directed me to a website where I could request her credit report, but because she is under 18, I could not request the report online. I also could not place any fraud alert on her account, because she is under 18. 
I am not sure what further steps to take to protect her identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: Ameritech Financial
State: MD

Complaint narrative:
I was contacted by Ameritech regarding student Loans from XXXX and XXXX XXXX XXXX. XXXX XXXX asked for two monthly payments of XXXX. After I signed an agreement, I didn't feel comfortable with Ameritech and I called to cancel payment and also contacted the credit union. 

Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: OH

Complaint narrative:
I was mailed a collection notice without me ever personally contacting XXXX XXXX XXXX. In the mail, they gave me 30 days to resolve an unspecified amount on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. 

I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. 

These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! 

University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. 

I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX  '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. 

Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. 

Please contact Univ of XXXX XXXX also for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
CapitalOne won't let me connect my personal finance service/benefit to my CapitalOne account to help me track my spending. 

As a consumer, I have every right to access that information using services I deem appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Excessive interest rate paying 20.74 % interest rate I've had the credit card since over 10 years. Rate increased without proper notification over the past 5 years increases yearly. Monthly credit card interest is excessive and I paid more interest than I pay in mortgage. I have currently not made purchases over the last year. I have made complaints to the company. I'm afraid to make purchases because if I make a purchase that even increases my interest. All I want to do is just pay off the card and be done with it. The interest is too high so therefore I have to make monthly payments feasible to fit my monthly income.

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 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Asked in writing that my PMI be canceled and an appraisal be ordered on XX/XX/XXXX. Called in several times due to no contact and still no response and different answers when I call. Keep getting the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I maxed out my capital one credit card. And paid It all off the next day in full. They posted them accepted payment. Took it of my bank. Then 2 weeks later they said it was a returned payment. But never gave back my money. And closed my account and reported it on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Mr. Cooper fka Nationstar has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I've had a Bank of America credit card for over a decade and have had an auto loan with them for almost 5 years. I am several payments away from paying off the auto loan. Earlier in the year, I opened a checking account with Bank of America. Unbeknowst to me, this transfers my customer and account information onto a different backend system within Bank of America. This transfer messed up my XXXX XXXX setup in that I stopped getting eBills and my automatic payments were cancelled. I was not able to setup another automatic payment triggered off my bills because " the eBills were already created. '' When I called BoA about this, for the auto loan, they told me to just create a fixed amount recurring payment since my auto loan payments do not change. I did this, as they instructed. Due to this issue, I also cancelled my checking account, hoping that switching back to the old system would fix the issue. It didn't, and actually made it worse. 

On XX/XX/XXXX, two identical auto loan payments were pulled from my checking account by Bank of America. I confirmed with my bank that both transfers were initiated by Bank of America. BoA only shows that they pulled one payment, and all the representatives I talked to, both via secure message and on the phone, said they only show in their system that one payment was pulled. They insisted nothing was wrong on their end, and after I bedgered them to delete all of my eBills in an attempt to " purge '' my account, they deleted some eBills from my record ( eBills I could not see ), and I had hoped this would've resolved it. On XX/XX/XXXX and then again on XX/XX/XXXX, Bank of America pulled my auto loan payment out of my account once on each day, totally two payments again. The issue has still not been resolved, they still have an automatic payment setup in their backend system that they either can not find or have not bothered to find. I am lucky in that I can afford to make these double payments without BoA overdrafting my account, but I see these unannounced and undocumented double withdraws as egregious as I could be sitting in a ton of fees if I didn't have excess money in my checking account. I am also close to the end of my loan payments, and I'm worried that this " ghost '' automatic payment will continue to pull from my account even after the loan has been paid off. I have been trying to get them to fix my automatic payments since XXXX, and they just don't seem to be taking this seriously. I'm hoping a complaint to the CFPB will help prioritize this in their eyes.

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 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Alliance Financial, LLC
State: GA

Complaint narrative:
This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: GA

Complaint narrative:
XXXX XXXX fka XXXX has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Associates
State: VA

Complaint narrative:
This was with XXXX debt to XXXX XXXX XXXX and I was sending checks to them for this debt and it was being sold to different debt collectors and I have another debt that was paid off and they were trying to collect from me again for the same thing the hospital has not notified that it was doing so and just doing it and its with several debts I had XXXX and I am paying slot of bills they are cashing my checks and still sending my stuff to debt collectors now they are messing with my credit I worked really hard to build

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Recently, I received a call from Portfolio Recovery Associates for  debts from 10 years ago. Calls happen 5 to 8 times per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I applied for a new credit card. 
XXXX XXXX XXXX XXXXnformed me that experian has a false social security number listed with my otherwise correct demographic information I have been trying to call experian for several weeks and can not reach anyone I have received no response to email sent to experian the bank could not help me. 
I looked at my XXXX credit report and the social security number is correct I am worried because my true social security number was fraudulently used in 2014 to get a refund from IRS. 
I need to know why experian has a false SS # in their 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 non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
XX/XX/XXXXReceived and email and was told must make a payment by the XX/XX/XXXX or will have to pay two car payments for XX/XX/2018. 
I have been in hardship since the XXXX  storm. Lost Fulltime Job. And now been in hardship since then up until now XX/XX/2018. Working XXXX  jobs. Was threaten to make 2 payments for being behind 34 weeks. For XX/XX/XXXX and XX/XX/XXXX. Refused to take the XXXX was advised to pay XXXX. Or threaten if I didn't give date for XX/XX/XXXX payment that isn't due till XX/XX/2018 Prestiege Financial is the Company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received a written attempt to collect a debt from XXXX XXXX  XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
XX/XX/2015. XXXX XXXX  said I applied for a car loan, which never happened.never heard of these people, now all of a sudden when I submitted a complaint to the credit bureau, they said it was legit.Dont know how, s When?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: NY

Complaint narrative:
this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid

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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I applied for deferment and was under the impression it was filled out correctly. I was never notified and when I realized my credit had been hit 28 times in 7 months, I reached out to them and started making payments. XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: NY

Complaint narrative:
this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid

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 2018-07-03 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: NY

Complaint narrative:
this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: KY

Complaint narrative:
I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I was XXXX XXXX and had to be given hospital an XXXX by insistence of police officers who cuffed me in my own house because they thought I was drunk. Now a false crediting agency, Wakefield & Associates is requesting a payment of XXXX and I am unemployed as well as case is still undecided. I will not pay this

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 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XX/XX/18 : Certified letter was mailed to collection reporting agency, and delivered on XX/XX/18. 
The letter is a formal dispute of debt and written validation of debt was requested. 

XX/XX/18 : XXXX XXXX, LVNV funding LLC representative confirmed letter was received and filed on XX/XX/18, documentation was requested. 
Represented stated this account didn't have to be flagged as being disputed. 

To date, none of the credit bureaus have been notified of a debt dispute or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.

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 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
This company does not follow the lending laws and regulations of the state of Virginia. When I tried to resolve this issue and stop any further transactions I could not get any resolution nor would they send me documentation of the validity of this loan or online agreement. I no longer can get in touch with them. They have turned the account over to Midwest Recovery Systems for collection.

Company response to consumer: Closed with explanation