vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/2019 payment was made by check to Discover Student Loans in the amount of XXXX, to satisfy all obligations. 
This amount is more than what was owed to Discover on that date. 
Discover has since that date issued dozens of false statements which fail to credit my account with the full proceeds of my remittance. 
Discover has falsely claimed that a portion of the loan is still outstanding despite having been informed of the foregoing on dozens of occasions. 
Discover has falsely claimed that the loan is outstanding despite having furnished me with statements on their letterhead which indicate that the loan is paid in full. 
Discover has harassed me for months to pay them moneys that are not owed and has libeled me by reporting that failure to pay them to credit agencies and falsely and deliberately adversely affecting my credit rating. 
Based on the documents supplied by Discover the loan was in fact OVERPAID on XX/XX/XXXX yet Discover refuses to render an accounting despite my demands on dozens of occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
I am being charged {$310.00} a month in interest, where I signed up for 0 % payment for the last five years my balance went from XXXX to XXXX all in interest on XXXX  payment income agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On or around XX/XX/19 I made a purchase at SAMs club in XXXX SC. The cashier informed me that I was selected to receive {$45.00} offer my purchase. I ask the cashier several times and two of the assistance was this offer involving a credit card or any other promotion and all of them ensured it just was a random selection and all I had to do was sign a form and provide my XXXX card and SS # to verify who I was. Immediately after the transaction was made I went to the service desk to inquire concerning the promotion and this when I was informed I had signed up for a credit card. I notified the Store manager and he called the credit card company and had them to terminate the transaction because I told him it was a fraudulent promotion because his cashier emphatically denied this was not a credit card application or promotion. I have received a letter from Synchrony Bank refusing to have the inquiry removed from my credit history. I am total disappointed because SAM employees are misleading people and I definitely feel this a SCAM. Sam need to put out a disclaimer informing their customer what the real intent of the {$45.00} reduction if for. Therefore, I feel this inquiry should be removed from my credit file before the 25 months stated need to be in place before it can be removed. Needless, to say I offered to pay SAM the {$45.00} discount and the store manager decline to accept the payment because of me being misinformed.

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 2019-07-23 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION SER Account Number XXXX Date Opened XXXX Balance {$640.00} Account Name : ARS ACCOUNT RESOLUTION S Account Number XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX Balance {$1000.00} Account Name : XXXX XXXX  Account Number XXXX Date Opened XXXX Balance {$2900.00} Account Name : XXXX Account Number XXXX Date Opened XXXX Balance {$13000.00} Account Name : XXXX XXXX   Account Number XXXX Date Opened XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$0.00}

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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX I made an additional principal payment towards the principal of our mortgage. I sent the coupon from the bottom of the statement and wrote in the amount of {$13000.00} which was to be put towards the principal only. When I reviewed my account on XX/XX/XXXX I noticed that they had put around {$8000.00} directly towards principal and applied the remaining {$5000.00} to interest, escrow and " fees. '' I contacted them via email on XX/XX/XXXX to explain that this payment was for additional principal only. As of today, I have not received an email explaining why this payment was incorrectly processed. On XX/XX/XXXX I made a principal payment of {$30000.00} and that payment was posted exactly as it should be. I have never been late and pay extra on principal nearly every month. I want this reversed and the entire {$13000.00} applied directly to principal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: UT

Complaint narrative:
I have been fighting with equifax since I started trying to fix all errors on my credit report I noticed in XXXX last year. The problem is everytime I sent something in the day they cant verify me. I've sent license birth certificate utility bill w2. For last 4 months they keep sending me this stupid letter that they cant verify me. I called twice. Both recorded and they said everything was good but yet here comes more letters saying they can't verify me. So than they are not investigating any of this bad stuff on my file even though they claim they are but yet I keep getting these letters. Its very frustrating and Im to the point of calling a lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: MI

Complaint narrative:
I have submitted several dispute letters about an unverified account on my credit report. I have asked for verification for this account to no avail.

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 2019-07-23 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: GA

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XXXX2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: LA

Complaint narrative:
FMA Alliance attempting to collect more money than creditor issued to this debt collector. FMA refused to provide information on the alleged debt.

Creditor also contacted FMA and FMA refused to discuss to creditor.

Additionally FMA managers were verbally abusive to parent of minor that debt was supposedly issued against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Due to XXXX XXXX case vs the XXXX government, I wasnt expecting much towards myself or my loans, then XXXX XXXX or XXXX XXXX sent me a letter removing my loan/balance due to the lawsuit, it was a private loan. So excited about the news called, Fed.Gov who.was very pleasant and helpful, could not give me an answer, but made me feel good about it. Even though that only XXXX had gone towards the balance and XXXX went to interest, they still made me feel like they understood. 
My issue is with XXXX, where I also have a private loan thru XXXX XXXX, would not even look at it or even care about what my view was, I understand, they are a business, but if XXXX XXXX, can see what happened with the lawsuit, why couldn't WellsFargo, look into it and try make an effort. 
Simple request was denied.

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 2019-07-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have called and sent letters to Equifax. My credit report shows 2 Hard copy inquiries. I have documentation which was sent to Equifax.. First one is XX/XX/2018, my debit card was compromised. Second one XX/XX/2018, my other debit card was compromised. The one dated XXXX, XXXX XXXX XXXX sent a letter from their fraud dept to have the hard copy inquiry removed due to fraud. The first one was a television company the people were wiring money through this company to XXXX, via XXXX XXXX washington, I called the commanding officer on site also to let them know what had happened, this account just to fix my debit card was time consuming. The one in XX/XX/2018, my account was fixed the next day, but the hard copy has still remained on my account. Calling is a nightmare, no one speaks English very well and I have been hung up on, told they need more information, they have my ss #, my address name and on and on, I get we are sorry we can not help you and we never received any letters, XXXX XXXX XXXX XXXX someone tried to purchase 2 cellphones, XXXX XXXX XXXX told me the password did not match so the transaction was stopped but hard copies had already been pulled. I am trying to purchase a house and was told to contact CFPB to help out. Since XX/XX/2018 I have been fighting them with NO success. Help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
One Company is called XXXX XXXX XXXX XXXX XXXX and the other is called XXXX  XXXX. XXXX They use various numbers XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MA , XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXXl XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX, MA. This has been going on for about 3yrs. They say they represent Citibank, they do not. I have spoken with Citibank and there is no account under my name any longer and they are not affiliated with either of these companies.

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 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/19, i bought a headset from one of the seller on XXXX, she told me she want me to pay her through XXXX XXXX instead of paying through XXXX XXXX because she wanted the money quick so shell have money to ship out the products. Me being stupid and not thinking it through paid her {$50.00} through XXXX XXXX. After i paid her she told me she couldnt ship the product out because the post office is close on sunday so i trusted her, she told me shell send it the next day. I waited and texted her and she told me that she already sent the headphones to me, and told me that it will take 2-5 business days. When i asked for a tracking number, she said she doesnt have one and will go the next day to get it and send the number to me, but she never replied after that, i waited for a week and still didnt get my headphones. I tried requesting my money back through XXXX XXXX but she denied 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 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: First Technology Federal Credit Union
State: IL

Complaint narrative:
On XX/XX/24, I paid First Tech the pass due amount of {$570.00}. My logon on that date per their website sign on trail confirms that. I received an auto text from First Tech verifying I was active on their website that day. At first I went on to change external bank account to make a payment ... but their system kept rejecting with several error codes, so I called. Per customer service Rep XXXX, told to try again later. I since decided to go back on and pay with my past bank account that were already on file. It was not until day 35 or so, another rep from First tech, made me aware by calling my cell phone that I was over 30 days late. I explained this ... she told me that they will evaluate and get back in touch. No one have since. I was not late on this payment ... they obviously were having system issues out of my control, that I didnt know will effect my payment history. I have perfect credit and this is a impact on it now. Showing 30 days late. Please can someone help me as First tech isn't honoring they were having system issues on that date.I trusted their website with submitting my payment, but it failed me. I was never pass 30 days. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I had just returned home to XXXX from XXXX ( I served over there for a year ), and was newly separated from my husband. He had moved to XXXX XXXX  just prior to my return. Around that same time, I called Citi Card multiple time advising them that my husband was estranged and may try to make fraudulent charges on my card ; at which point they told me they put a freeze on my card. My card was paid off at that time and I had a XXXX balance. In XX/XX/XXXX I filed for a divorce. I then moved to XXXX due to a military commitment. 

Around XX/XX/XXXX I received a few notices that my credit score had changed. Upon checking my credit score I discovered it had been lowered quite significantly. After further research I discovered there were {$1500.00} worth of XXXX charges on my CITI card between the months of XX/XX/XXXX-XX/XX/XXXX. I once again called CITI Card multiple times but they denied any responsibility. Despite the fact I was serving in the XXXX in XXXX at the time the charges were made ( XXXX doesn't exist in XXXX, XXXX ) CITI refused to assist in the matter. I had proof my husband was estranged, that I had filed for divorce well before the charges were made, and that I had called CITI in the fall advising them of my situation, however, they denied any negligence on their part and insisted I pay the balance. They admit I called multiple times in the fall of XX/XX/XXXX, and they also admit there was speculation of fraudulent activity, but they won't take responsibility for their representative 's negligence by not putting a freeze on the card after I was specifically told there would be.

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 2019-07-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

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 2019-07-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

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