vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They contact me Everyday since the beginning of XX/XX/2018. I told Portfolio Recovery ( the collection company ) that this is not my debt to pay. They also try to get me to make a verbal agreement without my understanding of what they were doing. Please help this is affecting my credit. They say I owe them about {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer 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 2018-11-21 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 realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ).

I also didn't give them permission to give my personal info to a third party without my permission. I would like for this account to be DELETED from all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-11-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I originally received my mortgage loan from XXXX XXXX XXXX in XX/XX/XXXX and I felt they were great. I did run into some hardships with them and was late on a few payments in XXXX but with there patients I got caught up in XXXX. In XXXX they sold my loan to Penny Mac. Penny Mac has been nothing short of fraudulent since then. 

In the months of XX/XX/XXXX, Penny Mac, my loan provider waited until after the due date of XX/XX/XXXX to process my payment and charged me a fee of approximately {$100.00}. On XX/XX/XXXX and XXXX the payment line of Penny Mac was down and I could not make a payment until the XXXX and they charged me another late fee of approximately {$100.00}. I called several times after that only to enter a phone tree in which I could never talk to anyone. When I finally talked to someone they said they would wave the fees in which they never have. I have called several times and Penny Mac representatives said they would wave the fee but they never have. 
In late XXXX I noticed an additional fee under other fees which was approximately XXXX dollars but continued to go up every month. I called several times to ask what it was for and never really got a good answer. Today, I opened my latest bill and the " Other Fees '' had reached {$24.00} so I called Penny Mac. The Penny Mac representative said the fee was because my Mortgage was delinquent from the XXXX incident described above and I would have to pay this fee to " have someone come to my house to make sure someone was still living there FOR THE LIFE OF THE LOAN ''. This is clear Fraud as no one has stopped by my house to make sure I am present. This is clearly Fraud because I was never late on my loan with Penny Mac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2018 I purchased a bundle deal from XXXX XXXX XXXX for {$230.00} consisting of a computer processor and computer motherboard using my Bank of America Travel Rewards credit card. XXXX XXXX   shipped part of the purchase, the motherboard, but cancelled the processor, while still charging the full amount for the transaction. 

I first attempted to contact XXXX XXXX regarding this issue, but received no reply. I then attempted to dispute the transaction with Bank of America. After initially finding in my favor, Bank of America reversed their decision after a response from the merchant and charged me the full amount. Despite finding an issue with their review process, they closed the case and rejected an appeal. They have since refused to review this case.

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 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We ( I and my spouse ) have opened two checking accounts that has a bonus promotion of {$400.00}, per account, contingent that the account maintains its opening balance for two months. Each account will be credited with {$400.00} no later than 90 days after the two month period has past. We opened the account on XX/XX/2018. We were informed that our account will be credited with the promotional bonus by XX/XX/2018. We called Citi to inquire about the balance on XX/XX/2018 and was advised that it will be credited by XX/XX/2018. After confirming that the promotional bonus was not credited, we were informed to wait for a week. On XX/XX/2018, we called Citi again to inquire on the promotional balance credit. They stated that an internal investigation needs to be filed and we can assume that the investigation results will be available by XX/XX/2018. We called Citi on XX/XX/2018, inquiring on the disposition of the internal investigation and was advised that their investigation queue is taking longer than expected and that they can not provide an estimate when it will be resolved. 
We have opened the account and adhered to the contractual obligations of the promotional requirements. We have in good faith called Citi numerous times to address and correct the issue. However, Citi is giving us a run around and not adhering to its contractual obligations. 

Please assist.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made a deferred interest purchase with XXXX through synchrony bank on XX/XX/18 for {$400.00} for 12 months. The initial draft, drafted too much as I had my payment set to XXXX per month. So they issued a credit for the amount over drafted by check, but also issued a credit to account and turned around and charged account for same amount. This caused my account to accrue interest every month since then, which they have credited back to me upon calling to request. But they wont fix the account so that I dont have to call every month and spend upwards of 30 minutes on the phone each time with them. I requested a {$10.00} credit to account to cover interest charges and they denied. My time is valuable and I should not have to call and explain the same thing month in and month out. This has been going on for 3 months now.

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 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been deferring my payments with forbearance for a couple of years now. I haven't been able to afford the payments asked of me by Navient and STILL can't. 

When I tried to extend the forbearance in XXXX they told me I wasn't able to anymore. 
When I told them I can't afford the payment they're asking of me which is {$580.00} a month they told me they would give me a one-time " courtesy '' deferment which they then dinged me on my credit report for. 

I applied for income driven repayment plan through XXXX as advised by Navient and on XX/XX/XXXX I received a response saying my payments have been lowered {$440.00} a month beginning on XX/XX/XXXX. 

I STILL CAN NOT AFFORD THIS. 

Navient refuses to work with me to get me to a more affordable repayment plan. They're only considering my income and not my monthly expenses including rent, car payment, medical bills, credit card debt and living expenses. 

I am at a loss at what to do here. I can't afford this and the company has no sympathy in working with me to come to a solution I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the  credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was a victim of Hurricane Florence and my card issuer was aware of this information. They have taken away a chunk of my credit and because of this I am now showing as over the limit. They have also charged me a massive amount of interest and fees knowing that I was unable to make any payments due to being out of work. I have been with this company over 3 years and it just isn't right how this has happened to me.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
XX/XX/2018 I received a garnishment notice from my work and they are taking XXXX or more a month. Almost half my checks gone after paying them and taxes. 

Its a garnishmemt through XXXX county courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2018 at approximately XXXX, I XXXX XXXX XXXX called all three Credit Report Agency to remove all previous addresses and employment from reporting and just live current address. I called XXXX   and XXXX  and they honored my request without no problem. When I called Experian and spoke to XXXX to remove all previous address from reporting and just live current address, she said that the address XXXX XXXX XXXX XXXX will not be removed because there is a creditor reporting to that address. She said I have to contact them and update my address with them so they could report back to them to updated address and remove address from reporting on ( Experian ) .She was so rude, that when I still was talking with her she put me on hold before making sure I was done talking. I asked her for I.D . or employee number and she refuse to give it to me. I asked her for her last name and she refused. I requested to let me speak with her manager and placed me on hold. She came back on the phone and she said per her supervisor that it is their policy that address will remain on my credit report. I let her know that she is in violation of my rights under the Fair Credit Reporting Act, 15 U.S.C 1681, U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of the consumer information contained in the files of consumer reporting agencies. I let her know that I will file a complaint with the Federal Trade Commision ( FTC ) for  violating my right under the law.

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 2018-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
False Advertising and Bait and Switch by Bank of the West. 

On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit. 

On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate. 

A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.

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