vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: EOS Holdings, Inc.
State: FL

Complaint narrative:
EOS CCA is reporting {$120.00} to my credit report. I spoke to six different employees and I am not confident they are doing anything to research and remove this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$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 2018-08-17 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: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX  has not contacted them to remove this negative on my report but shows that the balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is refusing to modify my HELOC on my primary principal residence.

Bank of America states I don't qualify for a loan modification. I have made numerous attempts to apply for a loan modification and have been denied.

I recently in the last two months modified my 1st Mortgage with XXXX XXXX with no problems. XXXX XXXX modified my loan in less than 20 days with no hassles. Bank of America is not making any attempt to help me stay in my home. It is frustrating to get the run around with Bank of America when applying for a Loan Modification.

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 2018-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On  XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX  school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Several phone calls to all my family members and released my personal financial situation, I tried to resolve by asking payment options they have threatened garnishment and said they are unwilling to assist with payment arrangements, I had to State I would need to contact my attorney if they continued but then they wouldnt comprise at all, they call several times a day, use different names for myself that are not my last names and calling several people in my family 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 2018-08-17 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt.

During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As a young man just out of the XXXX XXXX, I did not have any credit establish, as a result I had gotten a credit card, with 0 % interest for the first 12 months, to establish credit. I planned to leveraging my monthly expenses to create that establishment.

Shortly after I came across an emergency. I needed to buy a car because my vehicle ( XXXX XXXX XXXX  ) was not in the best conditions to continue using frequently. I had gone to the dealership and traded in both my motorcycle and car. Unfortunately I needed to use my credit card to make a down payment of {$3000.00} to achieve a desired low monthly payment I could afford. My goal was to pay off the XXXX  before my 12 months expired.

Now that I am about to start full time school, with only a part time job, I am unsure whether I will be able to completely pay off my credit card before the 12th month. Accruing interest on {$3000.00} will then leave me neck deep.

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 2018-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2017 I rented a car in XX/XX/XXXX, XX/XX/XXXX.

When I went to charge gas, they charged with a different fuel ( diesel instead of regular gas ). It was in XX/XX/XXXX, there was a language barrier.

The car stop working a few miles after I left the gas station in the middle of a freeway, it was night time.

The police towed me off the freeway, the car rental took the car in a truck, and my family and I were left in the middle of who knows where in a gas station in the south of XX/XX/XXXX. I called the credit card, they said they will send help, but a truck came took the car and say bye. We took a taxi to a hotel and the next morning as I needed to return to car that day just after the inconvenience, as they already had the car we continue with our vacation trip. They charge me XX/XX/XXXXFrancs {$1200.00} extra in the car rental. When I submitted a claim to my credit card, not until a year later they told me that was not covered, only body work. Is that true? If the car stop working for charging the wrong fuel and left me in the middle of nowhere, am I on my own? To note is that it wasn't intentional, I just ask to fill the tank and I was charge the wrong fuel. I di n't know this until the car rental told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I attended school at XXXX XXXX University for XXXX school, XXXX XXXX University and the University of XXXX XXXX  for XXXX degrees. At all three schools I was given loans with no problem and now as a XXXX I'm struggling to repay., Previously my loans were serviced on the federal side and at one point was sold to Sallie Mae and now owned by Navient . On at least three different occasions I've tried to complete loan forgiveness to get about {$18000.00} forgiven and most recently I've been denied again. Every time I attempt to repay the payment is so astronomical that I have to stop making payments again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MO

Complaint narrative:
After sending multiple letters to the credit bureau and to the creditors listed below and filing several complaints. Transunion is still reporting these inquiries on my credit report from the following places. 
1.XXXX XXXX-XX/XX/2018 2.XXXX XXXX-XX/XX/2018 3. XXXX XXXX-XX/XX/2018 I have contacted each of the companies as directed by the credit bureaus and was directed back to transunion in which they have failed to provide any signatures or contracts or any proof of evidence that what they are reporting is accurate and or that it belongs to me and instead of removing and ignoring my disputes they send me the letter that I am attaching to this complaint. Also transuion has violated my rights and refused to even mark these inquires on my report as disputed. This is my 4th letter that I have now send them certified with postal tracking number XXXX XXXX XXXX XXXX XXXX. 
It is clear that the ALLEGATIONS IS UNPROVEN In all aspects of its reporting and I requested that these inquiries be deleted immediately.

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 2018-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: CA

Complaint narrative:
To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Send several letters to the company never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-17 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: AZ

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Two problems with TD Bank. 

1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. 

There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. 

The closed account is XXXX XXXX XXXX XXXX. 

2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. 

I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. 

I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. 

There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, Other then myself numerous family members have been receiving calls from XXXX XXXX XXXX real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.

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