vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: LEXISNEXIS
State: HI

Complaint narrative:
I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CL Holdings LLC
State: MA

Complaint narrative:
I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: The CMI Group, Inc.
State: MA

Complaint narrative:
I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??

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 2017-07-14 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.

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 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: AZ

Complaint narrative:
On XX/XX/XXXX Wells Fargo charged a {$50.00} " REWARDS ANNUAL MEMBERSHIP FEE '' on a credit card which they stated had no annual FEE. The fee was charged to a card that had not even been activated in my business account. If it were not due to my diligent inspection of my account I would have also accumulated interest fees. When I called to report card fraud for transactions made to my account without my permission they refused to allow me to either electronically ( disabled in their system ) or over the phone submit a fraud claim. They were willing to " provide a credit for the fee '' stating that this was a " system error '' as if they were doing me a favor. <P/>My primary concern is for other customers who will fall victim to deception intended to result in financial or personal gain by an institution paid for the service of protecting their financial interest.

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 2017-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equiafax- dispute- X/XX/17 : I have observed that since my disputes to Equifax starting X/2017, this company has placed a FRAUD ALERT on my file even though I sent in a certified letter requesting it be removed from my credit profile. After this time, I was unable to view my credit report weekly through XXXX XXXX. Also, I was unable to find view my Equifax credit report on XXXX website that I subscribe monthly. Both XXXX XXXX and XXXX have told me that the Equifax report is not available and it is through no wrong doing on their part. Through XXXX XXXX I have not been able to access a current Equifax report since X/2017. I have not been able to access the EQUIFAX report through my XXXX subscription since X/XX/2017. I have since tried to go online to equifax.com and check the status of disputes that were done in XX/XX/XXXX- the website tells me that the website is down. I am unable to access my dispute results- which have not been mailed. I am also unable to file any more disputes because it states, the website is temporarily unavailable. This is what I have been told for the past 2 months. Out of curiosity- I had my husband to access his report through the same EQUIFAX website after I was told it was down and he was allowed to view his report and access dispute results from past disputes. it is clear that EQUIFAX has put some kind of freeze or block on my credit profile which has prohibited me from accessing and disputing errors on my report. I have been told that they are doing this type of unethical act to alot of consumers who have been trying to correct inaccurate information on their reports. I have kept careful records of their behavior and will not tolerate or accept this type of harassment from them. Please govern yourselves accordingly because I will not hesitate to contact a consumer attorney due to your willful and wanton negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
( 1 ) ABUSIVE DEFERRED-INTEREST ACTS OR PRACTICES : In or about XX/XX/XXXX, I began disputing how payments in excess of the minimum payments due were being applied to balances on the deferred-interest promotions. Excess payments were made beginning in XX/XX/XXXX through XX/XX/XXXX, but excess payments were not paid towards expiring promotional deferred-interest promotions, causing late fees and interest to be added to the balance. ( 2 ) UNFAIR BILLING DISPUTE PRACTICES : When I disputed the mishandling of refunds and excess payments, PayPal did not acknowledge or respond to my account disputes for over 2 months when promotional periods were expiring, charged late fees and interests during the dispute period, and sent negative reports to the major credit bureaus without responding to billing and payment disputes. As a part of my dispute, I requested for PayPal to forward billing statements from XX/XX/XXXX to XX/XX/XXXX. PayPal only provided statements from XX/XX/XXXX to present. PayPal did not accurately apply refunds for returned merchandise directly to merchants to reduce the deferred-interest and payments, causing double billing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSW Capital, LLC
State: PA

Complaint narrative:
I sent formal notice, via certified mail, to XXXX XXXX XXXX on X/X/2017 disputing a derogatory status on my credit report. The account is listed as closed, with a XXXX dollar balance, however, it states on the credit report that it is a charged off account. The account is reporting deragotory on my credit reports. XXXX XXXX XXXX responded with a letter on X/XX/2017 stating that ownership of the account was transferred to MSW Capital , LLC and on my behalf they have forwarded my inquiry to that agency. No disputes were placed on my credit report in the 30 day window as per Fair Debt Collections Act and the Fair Credit Reporting Act. I sent another letter, via certified mail, on X/X/2017 to MSW Capital , LLC requesting validation of the account and have never received ANY correspondence from them regarding my letter. By not responding in a timely manner, they have violated federal and state laws, and have also failed to furnish any documentation bearing my signature that the account is reporting correctly.

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 2017-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed as " in good standing '' with Navient. My first question is how do you go from being in good standing to being delinquent for 4 months in two months! The math does n't add up, there has to be a mistake. <P/>After receiving the call on Tuesday, XXXX XXXX, 2017 at XXXX, I quickly called Navient to settle the issue. I paid the past due payments, bringing my account to paid in full. They took the money out of my account on Tuesday as well. I called everyday since Tuesday, ( Wednesday at XXXX XXXX, Thursday at XXXX and at XXXX XXXX ) and finally on Wednesday night they processed the payment, even though they had already charged my account. I have asked everyday for them to send a notice to the Credit Bureau stating that my account was now paid in full, is current, and is in good standing, so that my credit score could get back to it 's previous score. As of right now, the response that I keep on getting from their customer service reps is that they can not send a notice until the end of the month. That does not work for me, because if that is the way it works, I will lose my house. My current credit score will not allow me to be granted the already pre-approved mortgage to pay for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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:
Transunion has reinserted a previously deleted debt to my credit report without providing the required five days notice. National recovery agency was deleted from my file in XX/XX/XXXX and was reinserted without notIce on XXXX XXXX 2017. They are in direct violation of the FCRA

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 2017-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has the wrong social security number for our contract .the contact does n't match up with our real social security number.

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: POM Recoveries, Inc.

Complaint narrative:
amount was paid in full months ago before collection attempts, agency is unresponsive to my information and continues to harass me with calls and letters

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 2017-07-14 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: CT

Complaint narrative:
I disputed my hard inquires that are up there numerous times they were deleted and readd back on my report I was not notify and it 's illegal, I also have a late payment with XXXX XXXX never late I just changed billing due date and also disputed it two months ago no update yet. I sent in proof from my insurance company that they paid the balance on my vehicle to XXXX and still no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London
State: CT

Complaint narrative:
XXXX XXXX gave an account to London and London and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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:
XX/XX/XXXX my loans went into forbearance without my consent. I filed a complaint about art institute and in XX/XX/XXXX and Naviant. When that complaint was processed they must have put my loans in forbearance. I was on autopay and now it 's stopped. I 've called naviant but do n't have 1 hour to wait on the phone only to get a callback. I 've emailed them. <P/>Naviant was calling my phone 8 times a day before this even though I was on autopay. Not sure how to handle this. My interest rates are so high that I 'm not touching the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one gave an account to XXXX XXXX XXXX and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish

Company response to consumer: Closed with explanation