vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consumer Financial Services
State: IL

Complaint narrative:
Back in XX/XX/XXXX myself XXXX XXXX and my friend XXXX XXXX the cosigner agree to get a loan and split it in half. Payments as well. He went M.I.A and later on I heard he left to XXXX for good. I got stuck with the payments which I had no choice since it's my credit too and I can't really do anything about it. But I struggled to make the first payment/s since I got laid off from work. Had no phone at the moment since I had no money so I could not contact anyone. I had finally thought I got my job back in XX/XX/XXXX. Until the owner talked to me. But first my supervisor talked to me before and said he heard that they didn't want me to work here anymore because the loan place was calling and harassing my employer nonstop. Received to much mail from them too. And they were not stopping after my employer let them know I was working their anymore. Finally talked to the owner of the small company I work for and he didn't want to give me work. He gave me different excuses. But at the end he had no reason to fire me because I'm a good worker and never had a complaint against me and he also didn't admit to my personal loan situation. So on the same day. I called Consumer financial Services located on XXXX XXXX XXXX. A operator answer and gave my info and she ask why I'm calling and I said I'm calling to make a payment arrangement and to talk to someone to see if maybe they can't stop calling my job because they got me fired. She transfer me to the manager. A XXXX who didn't introduce herself, but didn't give me a chance to say anything because she decided to insult me right away by saying I know who you are. You are a dead beat with lots of child support. You are irresponsible and I know you got fired and do you think I care because I don't and I don't feel sorry for you. You stoled money from my family and your boss said he ain't giving you your job back because he don't want to deal with us. If she would of listen like the operator she would of know I was calling to make an arrangement to pay them back since I got my job back. Sometime this week of XX/XX/XXXX they contacted my company again and harass them. And same situation from XX/XX/XXXX I'm having with my boss. I'm now just working 20hrs instead of 40hrs. I know it's because they really don't want to deal with my problem that I'm having with consumer financial services. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and Navient. These schools took out loan amounts that were more than the cost of school. 

Navient keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I requested credit limit increase on XX/XX/XXXX for my existing XXXX Citi Credit Card. 

On Citibank website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from XXXX that, Citibank ran a credit inquiry on my credit report. I never authorize Citibank to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of XXXX page for reference. 

I dispute this inquiry with XXXX to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact Citibank directly. 

I contacted Citibank on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like Citibank run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!

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 2018-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and XXXX. These schools took out loan amounts that were more than the cost of school. 

XXXX keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
We are in the middle of a short sale however the 2nd mortgage with SPS has assigned a foreclosure date on the property. The 1st mortgage is held by the City of XXXX and we are also in the middle of negotiating the sale with them. The offer has already been sent to SPS and was even accepted back in XX/XX/2017.

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 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am an international student with valid status and XXXX form my school. For unknown reasons ( probably being a citizen of those sanctioned countries ), Bank of America closed my credit line and blocked my checking and savings account. Bank of america already had my XXXX, passport, visa and drivers license documents on their file. Closure of my credit line has affected my credit score adversely.

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 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I purchased a oven on XX/XX/XXXX with a Wells Fargo credit line. This was a no interest credit line if paid in full within 12 months. I did not receive a bill during the first week of XX/XX/XXXX so I went to their online billing site and submitted a payment of {$1000.00} on XX/XX/XXXX. I get paid once a month on the XX/XX/XXXX so that is when I pay all of my bills. I did not receive a bill for XX/XX/XXXX by the first so, once again I submitted a payment online for another {$1000.00} on XX/XX/XXXX. The same thing happened for the month of XX/XX/XXXX. I submitted a payment online for {$1000.00} on XX/XX/XXXX. When I finally received my billing statement in the mail on XX/XX/XXXX there was a late fee of {$27.00} added. I telephoned the Wells Fargo customer service number and spoke with a young women whose name I did not catch ( English was a second language ) and was told that due to the billing cycle, I was being charged a late fee because I was paying too early. I said that I would not pay a late fee for paying too early and expected it to be removed. She had to discuss this with her supervisor and after, I was told that it would be removed this time but that I needed to adjust my payment date. Apparently this is another way for Wells Fargo to steal from their customers. Who ever heard of being charged a late fee for paying too early? I believe Wells Fargo needs to adjust their billing cycle. This is the most ridiculous thing I have ever heard. I will be calling every month to have this fee removed ( extremely inconvenient ) and I will NEVER recommend Wells Fargo to anyone for anything and will certainly NEVER EVER use their services again.

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 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was late for my mortgage payment due XX/XX/XXXX and didn't realize it because my mortgage was transferred from Guaranteed Rate to Fifth-Third Bank and hadn't had a chance to set up the autopay yet. I never received a phone call or mail regarding my payment being late until XX/XX/XXXX at my work number. Apparently Fifth-Third didn't have my cell phone number on record, probably because the mortgage was transferred from Guaranteed Rate without all of the information. I made a payment over the phone during that same phone call and was told that the late fee could be waived because I was unaware of my being late. I was also given information on signing up for autopay and have already mailed in the paperwork. However, I noticed that my credit score dropped almost 200 points because of this one incident and am VERY upset because this greatly affects my credit for my first and only offense where I was not even notified about it until it was too late. Also, I wasn't reminded about being late via email or mail. Is there any way to reverse the detrimental report to the credit agency? I tried calling customer service already but was told that nothing could be done. I am very upset because I didn't even choose Fifth-Third as my mortgage bank and it was transferred over recently and I'm very upset with this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of ID theft and have sent the proper documentation, police report, etc, however someone within this company is refusing to fix the errors and is causing me financial harm. This has been ongoing for almost a year. I called this company today and they refuse to get me a supervisor. I had to argue with people over getting supervisor. They finally transferred me to the Fraud Department where supervisor XXXX started speaking to me, then she hung up on 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 explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
I was not informed at the time that I could request a free cellular phone from XXXX or any governmental agency because I was unemployed and in Medicaid/SNAP Benefits. 


Therefore, I was set-up in a fraud to go to XXXX to request what I was told it was a free phone line and now I had been billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the Bank of America Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind 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 2018-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma has not contact number to dispute what they are reporting. XXXX  just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account. 

I attempted to request a temporary access and I was a 20 number temporary username. 

These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Keep trying to collect a debt on a car they took back for being one payment late. I had catering items int he car worth more then the car would not give back in fact held for additional payment after we worked out an agreement they reneged on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX a purchase was made on my Sears Store credit card. At this time there was a special interest free promotion for two years in which we participated. During these two years we continued to make our regular monthly payments of interest + capital and it was our understanding that these monthly payments were being applied to the overall credit balance including items which were part of this promotional offer. We identified today that this was not the case and therefore in XX/XX/XXXX an interest charge was applied to the account of {$800.00} against an original purchase cost of {$1100.00} which is in effect interest of 73 % over the two years. 

We were told today that on the online statement that it was possible to see that our monthly payments were not being applied to the promotional offer items but this was not identified during the entire 24 month process. At no time were we informed of this or the impact of these charges not being applied. When we agreed to participate in the offer we were also not informed that we would need to do anything other than to continue to make monthly payments. 

We are in no doubt that we along with likely a large number of others will have been caught in this deception and will have interest rates applied which look like figures applied in an extortion racket. 

When we spoke the the Account Supervisor ( the most senior person who would speak to us ) we were told that there was zero they could do and that this was our fault for not realizing that our monthly payments were not being applied to the promotional balance.

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 2018-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Veros Credit, LLC
State: CA

Complaint narrative:
they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. 

I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. 

They are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: FL

Complaint narrative:
XXXX XXXX has not contact number to dispute what they are reporting. TransUnion just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.

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 2018-05-25 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: NJ

Complaint narrative:
A medical collection was placed on my credit report and I called the creditor and was told that they were going to have it removed. Transunion has not removed this. This is medical and it violates hipa.

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