vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TN

Complaint narrative:
Sallie Mae calls us ( me and my cosigners/parents ) numerous times if we are late on a payment. With climbing outrageous interest, I owe Sallie Mae {$120000.00}. After graduating with a XXXX  's, I was unable to get a job with my degree so I had to settle for a {$9.00} hourly wage job as a XXXX XXXX. Knowing my payments were coming up, I called Sallie Mae in XXXX, 2019 and postponed my loans until XXXX, 2019. I eventually got a better job making {$13.00} hourly as a XXXX XXXX ( still not with degree ) and called them again in XXXX to try and negotiate my monthly bill as they were asking for {$1800.00} a month. I don't even make that amount monthly. They told me to wait until my bill was past due so that my account would be " active '' and then I could pay back my bills " based on income ''. I did as they said and called them a few days after my bill was late. I talked to collections at Sallie Mae and they told me that they didn't have an option to pay back my loans on an income-based plan ( even after they told me they did ). They said they could only have me  pay off interest which was still too much for me. It finally got to the point where they had to interview my cosigners and myself and ask us what our income was individually along with our monthly bills. We begged the collections lady to help us as my mom was in the hospital and out of work, and my dad was retiring in 2 days. My mom was relying on XXXX for income and my dad was about to take a drastic cut in his income from retirement. The collections lady told us she could only lower my payment to {$800.00} a month which is over half my monthly income. About 60 % of my monthly income. I can barely afford to survive, espcially with other student loans and bills I have to pay. They harrassed us and told us that we could file for bankruptcy. They didn't care that my mom nearly died, or that my dad ( who was diagnosed with possible XXXX XXXX a month prior which is why he was retiring ) had retired and didn't have enough income. We are still scrambling to make payments. My dad can't even pay his own bills right now. Now that I've been paying {$800.00} a month, it says I'm passed due and must pay {$2000.00} even though I have been prompt on my payments since they threatened to kick us out of the {$800.00} program.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
They call 4 times a day they sometimes call before XXXX XXXX or later than XXXX XXXX they try to verify over ssn number and refuse to tell you anything until you give out your ssn and refuse to give out there name they call multiple times a day every day except Sunday they have multiple different numbers they call from some local others non local

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account was charged around XXXX  dollars by TransUnion every month for month despite never signing up for their service.

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 monetary relief
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Due to a miscalculation, I had an unpaid balance of {$7.00} after I submitted my payment due for XXXX with Capital One. I had a pending refund and subtracted the wrong amount from my balance due. I was charged {$20.00} dollars in interest on my next bill. I then promptly paid my balance in full, an amount over {$1800.00} by XX/XX/XXXX, when payment was not due until XX/XX/XXXX. On my most recent statement I am once again being charged over {$15.00} dollars in interest with my next payment due on XX/XX/XXXX. I have spoken with Capital One representatives who state they can do nothing about the interest charged a second time even though the previous months significant balance was paid in full. I have worked diligently since XX/XX/XXXX to pay off my balance monthly with the exception of one balance in mid XXXX. To not allow a grace period or to take a look at the circumstances resulting in a small unpaid amount and then charging approximately $ 35+ in late fees for a consumer with excellent credit and a long history with the company is an indicator of poor and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello I have lates on credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX collection? I don't owe XXXX this is incorrect. Its illegal I know my rights, XXXX IS A BIG BULLY. YOU CALL AND THEY TELL YOU PROVE IT. I researched and saw itls illegal to put incorrect information on your report. I filed several FTC reports. Im tired this is ridiculous. How can these banks do this? XXXX isn't my account I want it removed. Thank you I need your help please

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 2019-10-22 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:
Please delete this inaccurate information from my report. first premier XXXX  XXXX cbna XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
Please delete this inaccurate information from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please 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 2019-10-22 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:
Please delete this inaccurate information from my report. XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: MS

Complaint narrative:
On XX/XX/19, RPM responded to a complaint of a collection on my report. RPM claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. 

Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which RPM offered to provide upon receipt from XXXX XXXX XXXX. RPM clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.

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 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Alleged Original creditor : XXXX XXXX XXXX Amount : {$600.00} Collections account opened : XX/XX/2019 Account has been disputed via XXXX  and XXXX   Debt is not mine. Company refuses to remove collections accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called Transunion on XX/XX/XXXX because I noticed that some inquiries had reappeared on my credit report that weren't there before. Come to find out they had deleted them on accident and put them back on without notifying me first. I found out that its illegal and asked them to be removed but they weren't. Here 's a list of the inquiries XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Acc Inquiry from XXXX XXXX XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: LA

Complaint narrative:
I notified Experian credit bureau that accounts had been open fraudulent in my name and they still have not remove the fraudulent accounts from my credit report. I submitted a police report, drivers license, social security card, bank statement, and a sign notarize affidavit form to Experian more than four ( 4 ) months ago and still no changes. I first notified Experian over 4 months  ago. I will like for the fraudulent accounts that do not belong to me to be remove as soon as possible. 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 explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my car broken into. Wallet and phone was stolen. I was stranded and team of con men went to work. Drained the accounts of all the cards in my wallet. Credit card fraud claim was process and everything was fixed. Debit card fraud claim of {$2600.00} has been denied multiple times and Ive probably spent 25 man hours trying to get it resolved. Bank of America call center and no dedicated support is a complete nightmare. No access to fraud investigation team. Ive reopened new accounts at the same bank and have repeated my story about 50 times after submitting a police report and taking all necessary steps. Not sure why this is such a big deal when all 4 of my accounts ( credit card, savings, debit and business debit from another bank ) at the same bank were fraudulently used with identity theft within 3 hours of each other. Bank of America is not treating a 15 year customer how they should be treated.

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 monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Filed A Report About Me Paying A Merchant With XXXX XXXX They Investigated, And Came To The Conclusions They Would Not Return The Funds Because It Was A Wire Transfer, When That Was A Lie It Was A Debit Card Purchase For XXXX XXXX XXXX ... I Filed The Dispute Because The Services I Paid For Was Not Given

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased AmEx Serve prepaid reloadable card and it was sent to me by mail in XX/XX/XXXX. They charged fees every time you reload this card. In XX/XX/XXXX I experienced problem with transaction and notified AmEx Serve. They responded but never provided Statement of disputed transaction Form. Further problems occurred why using this card. After merchant issued credits, refunds AmeEx Served would hold on to money and wouldn't cred it for 15-35 days on my account, obviously holding it up to accumulate interest. It happened at least 9 times, during which I wasn't able to have access to my own funds, wasn't able to pay bills, medical bill, or purchase food and I accumulate debts because AmEx Serve would hold hundreds of dollars not releasing them. I initiated another dispute in XX/XX/XXXX which was never resolved by AmEx Serve. The worst part was that trying to reach supervisor or someone who would explain why they are holding up my funds. There were times when I spent 2-3 hours on a phone. One day I documented speaking with XXXX who put me on hold for 18 minutes, then it was XXXX who transferred me to XXXX and after that XXXX. Was over 1 hour. They intentionally jerking you from one person to another and wouldn't release funds, while printing Statements showed that merchant issued refund and I reloaded card but funds would not be available! Another day I spoke to XXXX who put me on 26 minutes hold, connected with XXXX, then XXXX and then XXXX. This intentional financial abuse of Consumer who can't use its own funds! The same happened at the end of XXXX. 
I filed complaint with FTC # XXXX in XXXX which entered into their database. Total I spent over 9 hours on a phone, mostly holding a line dealing with these issues. It was similar situation in XXXX when merchant issued a refund of {$90.00} first week of XXXX and at the end of XXXX AmEx would still hold on to my money and not credited my account. That when I filed claim with FTC nor aware that they can't enforce AmEx to reimburse me money lost, but rather filing class action when they have significant amount of complaints. AmEx had astounding amount of class action Settlements against them for different violation of State and Federal law. I know, because I was class member, notified on at least 3 occasions. But in this particular situation I had lost {$390.00} because of these ongoing fraud by AmEx Serve not able to use my money, while they continued charging me all kind of fees. I want XXXX reimburse me {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: United Built Homes LLC
State: TX

Complaint narrative:
Myself & 2 other females contracted United Built Homes to start  construction on my property on XX/XX/XXXX. First 6mos. no interest. We were prequalified for a 3.75 % int.rate ( the house had to be completed before XX/XX/XXXX ). In XX/XX/XXXX, our int. rate was 6.50 %, house not completed. In XX/XX/XXXX, one of co-owners died, reducing our income {$1100.00}. Three days later, our int. rate jumped to 9.47 % because we had not refinanced with our pre-qualified lender We tried to abritrate, explaining oc the co-owners death. We asked about finishing our home so we could get our Cert.of Occo

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation