vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.

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 2017-09-01 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: GREAT LAKES
State: WA

Complaint narrative:
When the servicing of my loan transferred to Great Lakes they discontinued the auto pay function that I had set up with ACS. This resulted in my account becoming past due. I 'm concerned it XXXX have also affected my rate and my credit. I contacted Great Lakes because of emails I received, but I was not sure who this company was and immediately it asked for my social. Who gives out their XXXX to a stranger that emails them? When I asked to speak with a representative she explained it was due to 'hackers ' and 'my privacy ' that they do not continue the auto pay from XXXX servicer to another. I feel this is an unfair and deceptive act or practice. I now have the payments made and the auto pay corrected but if my rate or credit were affected I want it fixed. I also think that servicers should be required to sustain automatic payments when transferring. The lender is the same!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.

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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks

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 2017-09-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
I have an emergency in that I have to have XXXX and will be in XXXX and XXXX for at least 2 months. I have a reverse mortgage and HUD has a hold on my mortgage money until XX/XX/XXXX. I need some money released for the XXXX and food and someone to take care of me as I am alone with no husband or relatives. This is a shame, it is my money and I will be in bad shape unless they release at least {$1000.00} to help me until XX/XX/XXXX. 

Ca n't someone do something, even if I have to pay a penalty fee or something. I do n't know what to do. 

My loan is with XXXX and they are very hard to deal with and hold the money until the last minute when they do release anything. Loan number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX AZ off XXXX XXXX and XXXX. Within 3 days I had to run a red light to avoid an accident because I had no brakes. I put 3 service calls into the dealer and they did n't call me back. I took the vehicle to my own mechanic and they gave me documentation that they sold the car with a faulty Anti Lock Brake System and all 4 lines were not connected. This is part of their compliance inspection before selling a car. I went to the location and the GM wo n't reimburse me and told me to go XXXX myself by the name of XXXX. I am trying to resolve this amicably because this is negligence and a complete liability. If not I will file litigation if you ca n't help me. I want compensation for my fees paid to the mechanic which I have documents for and about the faulty brakes and I want my monthly payments lowered immediately. I will not stop until I get resolve I am an extremely relentless person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I 'm XXXX in debt with navient and my interest rate keeps increasing I ca n't afford to pay this back plus I 'm in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: FL

Complaint narrative:
When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted XXXX, and TransUnion on several occasions more recently on XX/XX/XXXX and  demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XX/XX/XXXX, I will file a civil claims lawsuit against XXXX, and TransUnion Credit Reporting Agency.

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 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The bank lied on their last response. I asked repeatedly for access to my online account so that I can make payments to the delinquent XXXX XXXX XXXX  account. They say in writing in their last response that they took an offset out of my checking to bring my account current, and they did, but they never gave me access to my online account. They also say that if I make a payment and bring my account current, they will give me access to my online account in question so that I can make payments. You can see this for yourself in their response. They contradicted themselves in this response. I want to be refunded all the late fees they took, and I want the account put back online so that I can make payments to it.

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 2017-09-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.

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 2017-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX gave me extremely high rates on my XXXX loans from XXXX. When I graduated in XXXX, I asked them if it was possible to lower my rates. I was told I could only put them into forebearance, and was never alerted to any income-driven repayment plans. 

This was done via multiple phone calls in XXXX. I want to document this, as there is an outstanding lawsuit against XXXX XXXX Navient XXXX and I was a victim of their unfair practices, resulting in thousands of dollars of additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted Experian, and XXXX on several occasions more recently on XXXX XXXX, XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XXXX XXXX, XXXX, I will file a civil claims lawsuit against Experian, and XXXX Credit Reporting Agency.

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 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Have called my personal cell several times a day from different numbers. Called my job back to back everyday. My manager has told them several time to please stop calling as it a XXXX XXXX and they would turn around and call right back a minute later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 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: HEARTLAND PAYMENT SYSTEMS INC
State: KS

Complaint narrative:
I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.

Company response to consumer: Closed with explanation