vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: OH

Complaint narrative:
My account is in a chargeoff status and I have NEVER been able to get any information Discover refused to send statements, refused to give online account access and Still to this day can't tell me where my payments went or how they were applied. I received a history breakdown finally but it does not balance if I add their columns for amount paid, amount applied to principal amount applied to interest it does not balance by several thousand dollars. I asked again for a better breakdown of payments since they are grouped in this sheet for two accounts. the rep said it was approved and being sent to me. I received a letter today and once again it says they can't provide the information because the loan is in a chargeoff status and that I should call once it is in repayment. It IS in repayment and has been in repayment since XX/XX/2014. They know it is being repaid but are still giving me the run around. Now upon further review of my account it appears the interest rate should have been a variable rate and it appears I have been charged a fixed rate of 7.5 % which is much higher than the agreement I had specific payment arrangements for each account and they applied them wherever they wanted even though Discover and XXXX stated in writing that the amounts would be applied to specific accounts. I strongly feel that Discover student loans and XXXX and associates have employed deceptive illegal tatics to get customers to pay more than they owe by complicating things so much that the information can't be deciphered. Now they can't even figure out what is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Gentlemen : We were solicited to open a money market account with Compass Bank in XX/XX/2017. 
We submitted the applications for myself and my wife. My wife 's account was opened. I received an email that I would receive a call from them as they needed further information. I called the bank and was told that I need to wait for them to call me. 
No call was received and mysteriously I received an email that was account was approved and opened. I sent an email immediately asked them to close the account consider the application withdrawn as I was waiting for them to call me before they opened the account as I was told by them. I also informed them that they need to send the funds back to the external account if they had withdrawn them. They did not honor our request causing the account to be overdrawn incurring us a back charge at the external bank. We went back and forth for several weeks. Finally I was told that I would receive a letter in the mail. Still awaiting a response from them. 

Below are several emails between the bank and us as to what has transpired. 

XXXX XXXX is the local Branch Manager who came to our office soliciting more funds to be deposited with the bank. I explained as to what was happening with us. I offered to send transcripts of the emails. He accepted and later responded that he could not intervene or help us in resolving the matter. 

We have not received any response in the mail to date as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Good afternoon. I have a current installment loan for {$1400.00} with speedy cash and I am trying to set up a payment agreement with them for XXXX every two weeks totaling {$160.00} a month to pay off principal amount because I am going through a hardship right now and I can not afford this high interest loan with only XXXX going toward principal to get it paid off. I tried contacting them and sending an email to corporate, no one has responded. Please, I am trying to pay them back to get this paid in full what I owe them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Account has been paid In full and continues to report and did not delete in return for payment as I asked in return after I payed. XXXX XXXX in account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
I was sent to a collection agency on XX/XX/XXXX for unpaid school taxes for XXXX. This occurred after receiving the tax bill on XX/XX/XXXX and forwarding it to Roundpoint mortgage ( my mortgage holder ), and a reminder on XX/XX/XXXX which also was forwarded to Roundpoint. The bill remained unpaid throughout. 

I contacted Roundpoint by phone after receiving the collection letter. This was the first of many calls that also included the school district for verification of the debt. The bill was finally paid by Roundpoint on XX/XX/XXXX. Unfortunately, as you will see from the supporting documentation, the amount paid inluded a {$420.00} penalty charge and a {$40.00} collection fee. I do not feel it is my responsibility to shoulder the fees as they were aware that taxes were to paid from my escrow account and they were aware of the bill for 14 months before it was paid. 
I would like the {$460.00} refunded to me and have asked as much from Roundpoint. Their stance is " there has been no error by Roundpoint in the servicing of your mortgage loan '' as evidenced in writing in an attached document.

Roundpoint 's service has been so sub-standard, and time-consuming for me, that we are in the process of refinancing with a different lender ( at a higher interest rate XXXX simply due to the fact that we do not want to do business with them.

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 2018-06-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A medical collections company reported a debt incurred by my ex-wife for medical care. I am not liable for the debt, but because my ex-wife supplied the collections company with my prior address and SSN, they reported me to the credit reporting agencies. I was never notified of the underlying collection efforts because the collections company never called me and only used a very old address to attempt to communicate with me by mail. Therefore, only when I saw the {$110.00} attempted collection amount on my credit report in XX/XX/XXXX was I alerted to their collection attempts. I never had the opportunity to dispute the debt before they reported it to collection agencies. 

I disputed the incident with XXXX, XXXX, and Equifax in XX/XX/XXXX. XXXX and Equifax quickly resolved the dispute in my favor and removed the entry from my credit report. Equifax took much longer to conduct an investigation and then its website repeatedly failed over many different days, preventing me from seeing my results. Finally, I called Equifax and received the results of their investigation over the phone. They indicated that because the collection company was able to validate my SSN and address, that Equifax deemed the debt valid. Equifax did not give me the opportunity to explain why the debt was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
I have not used this dentist office in over 2 years, and this is not my debt. I have paid for the cleaning that have done for me at the time of service, and have no minors for which I am responsible. Basically their office does not care and will not stop regardless of what I say. Once again, I had no service done there except for cleanings which were paid for at the visit. This {$900.00} to {$1200.00} charge is not mine. I am unsure of the amount since it changes every time I get something in the mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was approved for XXXX XXXX ( XXXX Credit Card ) on XX/XX/2017 my limit was {$4500.00} and this was due to moving into my New three story Town House in 2017. I knew my Credit Utilization would increase quickly due purchasing I needed to make with my new home. But I gave myself 1year and 1/2 to pay everything off!

My limit was dropped drastically to {$100.00}!!! which is going to drop my Credit Score drastically!!! because of my outstanding balance. Which will seem like I am over my balance!! I did not receive a letter or notice or phone call! I just happen to review my account today and my credit limit was dropped to {$100.00} with no explanation!!!! 

Which makes no since!!! When I was approved spoke to Customer Care rep. about purchases and they said that was fine just make sure to make payments when due and if there was any issues they would notify me!!! So I made the purchases that day! but did not receive payment due until months later based on what rep told me this was the norm- I knew my utilization was going to increase because of the purchases which in turn would decrease my Credit Score!! I asked another rep did they need to make a notation in the system they said no, and the only other thing that happen besides that was payment was a few days over on one payment due date to hospitalization ) and they told me I was fine and in good standing!!! so why was my line of Credit decreased!!!! Without any notification at all!!!! Its like we as Consumers have not say or Rights anymore!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have disputed these ACCOUNTS WITH THE XXXX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Have had a XXXX XXXX account with XXXX XXXX for over 5 years. Was only 30 days late one time. Had a credit limit of XXXX originally was {$250.00} and due to good pay history etc have received regular credit line increases. My credit has actually improved in the past 24 months after going through a divorce in XX/XX/XXXX/XX/XX/XXXX. I found out for whatever reason XXXX did a credit review on my account on XX/XX/XXXX and lowered my credit line to {$150.00}! One, why was a review conducted? I have not been late, I did not ask for an increase and I have not purchased lately. Now it made my debt to income ratio closer to 100 %. I do not even understand why they did a credit review. I have other XXXX accounts that are ALL in good standing and I have NEVER missed a payment in almost 5 years. My credit score is actually better than it was when the account was opened. This extreme lowering of my credit line is going to adversely affect my credit score and debt to income ratio!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around!

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am being told that I owe TD bank some money and I have never had an account with them. 
When attempting to open an account via a Credit Union I was denied because of a XXXX report from TD Bank in the amount of {$240.00}. I have never had a TD bank account. I contacted the number on their website to report suspected fraud and the call center team kept me on hold for over an hour and then some manager in New Jersey named XXXX was not any assistance. She told me I need to go into the bank. I do not want to be inconvenienced over this mess. 
TD Bank clearly has allowed an account to be opened using my Social Security number and it needs to be rectified immediately. 
XXXX reported this XX/XX/2016 for a XXXX XXXX with my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Coast Professionals INC is trying to collect in the amount of XXXX from me however I have no contract with this collection agency and do not owe them anything. Also the loan that I had with my school does not build interest and I paid down on the loan. The amount that coast is requesting is false and I do not owe Coast Professionals anything. Also they are contacting me via mail where I have never given them my mailing or live in address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX  XXXX XXXX Date Opened>>>> XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
In XXXX I owed XXXX to XXXX XXXX XXXX, XXXX  then sold my debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mass XXXX phone number XXXX. on XX/XX/XXXX I made a full payment of what I owed, this payment was made directly to XXXX as seen on documents attached. Once I made this payment I called credit collections services to update my account as paid so this would no longer show up on my credit report, I was told I had to send in proof from XXXX that this payment was made, I contacted XXXX to have them fax over the proof to XXXX this number was given to me by credit collections services. XXXX faxed over the paperwork, weeks go by, but this debit was still showing Up on my credit report, I called credit collections services, they claimed the fax was never sent, I called XXXX again and repeated the process, this whole process of calling credit collections services and XXXX was and has been repeated a total of 8 times now, from XXXX till now, this debt it still on my credit report, credit collections services are still claiming they have not received not one fax, they have claimed to reach out to XXXX   but claim XXXX has not responded. I have faxed over the paperwork myself but credit collections services claim they have not received anything from me. I have disputed this debit on credit karma and they denied my dispute because credit collections services are claiming I have not paid this debit. I have asked credit collections services to call XXXX them-self but they have not done so. I dont know what else to do to get this off my credit report. Credit collections services has also told me that even once they receive proof of payment made they will not back date to when they payment was made, which means it will show up on my credit report that I owed and did not pay off this debit for over a year even though it was only 6 months. I dont know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collins Asset Group, LLC
State: VA

Complaint narrative:
I was late on an account from XX/XX/XXXX to XX/XX/XXXX with XXXX. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the XXXX loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to XXXX. I spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to XXXX and not XXXX XXXX XXXX , XXXX. XXXX did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I have disputed these ACCOUNTS WITH THE XXXX FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
I have disputed these ACCOUNTS WITH THE XXXX FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed these ACCOUNTS WITH THE EQUIFAX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS

Company response to consumer: Closed with explanation