vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
complaint against EDUCATIONAL MANAGEMENT CORP. I TRIED TO RESOLVE THESE ISSUES, THEY JUST SENDS ME A COPY OF THE PROMISORY NOTE. I ALREADY HAVE A COPY Standard loan of 10 years ( 120 pymt ) before I changed the loan term on 1XX/XX/XXXX to 24 months. My loans are fixed rate which accrues daily interest. 


On XX/XX/XXXX Conversion on both two loans from XXXX XXXX XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX. XXXX Capitalization applied to both loans on dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
While making monthly payments, I missed XX/XX/XXXX. 

Unsub at 6.8 % and sub loan at 6 %. 
There's no way that one missed payment in XX/XX/XXXX ( there's no way 1 month daily accrued interest is {$1000.00} ) ( listed as Interest capitalization ). And sub loan at 6 % ( there's no way 1 month daily accrued interest is ( {$450.00} ) ( listed as Interest capitalization ) and sub loan. 

I kept on making monthly payments none of my extra payments went to principal balances on both loans. 
On XX/XX/XXXX I requested in writing, email and over the phone that my tqo loans terms be changed as of that day from 10 year to 24months. My unsub I requested that monthly payments be {$400.00} and Sub loan monthly payments be {$210.00}. I had 7 payments and this company violated the borrowers rights by changing # 1 AND # 2 loans to # 3 and # 4 loans and the terms, stating that it was FTC who authorized the change of the terms of my # 1 and # 2 loans. Changed in XXXX of XXXX to two new loans. 

I never requested any changes on my two loans nor called XXXX. Now come tax time, I received a letter via email stating that tax year XXXX interest was only {$220.00} ; This amount does include payments you made toward loan origination fees and/or capitalized interest on loans made before XX/XX/XXXX. I have never had any loans inXX/XX/XXXX at all. 

BATE and Switch Recipient 's lenders name on another 1098E for tax year XXXX ( Student Interest received by lender ) ( {$1200.00} ). 

XXXX, sent to me for tax year XXXX interest was only {$220.00}. 

Now, I have been making payments to XXXX and receiving 1098E from XX/XX/XXXX-XX/XX/XXXX incorrect reporting interest for each tax years. 
This company turns around and have there apparent company Educational Credit Management Corporation. 

Once again this XXXX XXXX mentality taken advantages of XXXX XXXX XXXX borrowers economic income while paying off actual loans that I owed.

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, On XX/XX/2020, I received an email from XXXX XXXX that they are terminating my frequent flyer account XXXX which has a balance of XXXX miles. I filed a DOT complaint regarding this issue. On XX/XX/2020, I received a respond from XXXX XXXX stating they are closing my account because they accused me of receiving the XXXX XXXX miles due to exploitative practice. This is not true. I received the majority of my XXXX XXXX miles from the spending and bonuses of several citi Aadvantage credit cards which I applied using my name and my social security number. There's no misrepresentation on my part for this credit card application. I want Citi to confirm these applications and bonus miles awarded to me is valid and not exploitative practice. 

Best Regards 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 2020-02-13 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: DE

Complaint narrative:
XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with TRANSUNION for XXXX XXXX XXXX, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
XXXX XXXX XXXX TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH XXXX XXXX XXXX IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS 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 2020-02-13 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with XXXX for TD AUTO FINANCE, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
TD AUTO FINANCE TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH TD AUTO FINANCE IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. And automated response was sent back saying that their Fraud Department needed to be contacted via telephone. I then inquired as to why a customer is required to call in ( considering the time and effort needed in order to speak to a representative ). I have sent two separate, secured messages and Citi ( Best Buy VISA ) has refused to communicate with me with regard to this inquiry. If I leave, as scheduled next week, I feel this company will purposely impose a freeze on my card, that will result in my inability to access my good standing account. I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint.

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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
RE : # XXXX This is my 3rd attempt to file a complaint & receive a proper debt validation. My first attempt was mailed on XX/XX/2019 & still have yet to receive a proper validation supplied to me. 

I am not sure who the debt collector actually is, I receive some correspondence that have Second Round Up & some correspondence come from Third Round Limited Partnership. ( Which is it? ) I have mailed in a debt validation letter to Comenity Capital/PRDSGN on several occasions, as well as the debt collector. I have requested the following information as FCRA allows : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The signed Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

I have also mailed a letter to the State of Michigan XXXX Judicial Court. 

I have requested the mentioned information on numerous occasions & I can not get a valid response. In addition, on XX/XX/XXXX I mailed XXXX XXXX XXXX, XXXX a letter requesting the same information. No such luck getting an answer to any of the 5 pieces of requested information. All I have received is photo copies of their " exhibits '' which is not providing me with any of the information that I have requested. It is just copies of what appears to be billing statements & that is it. 

I am trying my best to resolve this matter & avoid going to court. Once again, I am filing a complaint to try to get the above information requested. I am baffled that I have requested this information from Comenity Capital/XXXX, Second Round Up, Third Round up, I've requested the same information from the credit bureaus & the lawyer as well. How can NO ONE provide me with a copy of my signature on this apparent contract???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
1 ) I have tried a number of times to get late fees removed from my mortgage with Peoples United Bank so that I can refinance with another Bank-The bank refuses to provide the information.

2 ) The bank stated that the proceeds of the sale of a subdivided lot were unencumbered-They lied 3 ) The bank forced me to provide the contract of sale ( For the release of a lot ) I owned after a subdivision that I had with a buyer just so they could take all of the proceeds- I borrowed from a family member to stay afloat and had a note that used the lot as collateral. To make matters worse, my relative is palliative and I wanted to pay him back before he died at a minimum.

4 ) Peoples 's United Bank tried unsuccessfully to foreclose on my while I was trying to create value for the subdivision. I have paid over 300k back in principle-Far more than required yet they still hold me hostage with late fees, report my mortgage payments as late which they are not and delay reporting my payments as well

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 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: MD

Complaint narrative:
Specifically : The incorrect information are specifically the score factors. And only the score factors! The pictures in the attachments specifically Show the same 5 score factors in good standing = ( Green ) and 1 one negative score factor = ( Red ). I WANT THE NEGATIVE SCORE FACTOR REMOVED. Because the score factors are generated from information in my credit file. And this score factor has no matching origin from my credit file. And if there is not an agenda to falsely and negativity restrict my credit score, then why every time I bring the one negative factor out of the five score factor into question. to be removed. It is not removed but the false reason for the negative score factor changes. Not once but 3 times as I showed you in the picture attachments. That action is nothing but illegal And still leaves me in the same place Ill started, with 4 good factors and 1 bad.

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 2020-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: FL

Complaint narrative:
It is to my understanding that the Gap insurance would have covered the full amount for everything in regards to the 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 2020-02-13 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: NY

Complaint narrative:
In XXXX, I called every month to inquire after loan consolidation and income-driven repayments. Each time was a different account ( and with some third world country calling agent I might add who could barely speak the language ). After three years of calling, every month or every other month, I was convinced I could not consolidate, and that graduated payments were my only option. 

This was done to lock me out of market low consolidation rates and a IDR plan. 

It is now XXXX. I have given TWICE of my principal back and still owe {$100000.00}. 

Under the consolidation that was available to me at the time according to others with consolidation rates, that amount would be almost nothing today. 

IDR is harder to calculate, but rough estimates according to others with similar incomes put a sum of {$50000.00} less than I have collectively paid today. 

I want to sue Navient for {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TX

Complaint narrative:
I know I have no credit at all but was not told that I would have to give credit companies sensitive information like social security card just to access my own credit report and allow access to an apartment complex Im trying to rent from. The complex cant even get past step one of background/ credit so now Im having to reapply because of credit card companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Complaint is regarding US Bank Mortgage. My payment for XX/XX/XXXX was due on XX/XX/XXXX but we were in the process of selling our home and were supposed to close mid-month XX/XX/XXXX. There was a delay and we closed on XX/XX/XXXX and the loan was funded on XX/XX/XXXX. The wire transfer was sent on XX/XX/XXXX but was not processed by US Bank until XX/XX/XXXX therefore they reported a 30 day late. This is inaccurate as the payment was received ON the 30th day. I contacted the company and all parties I have spoken to agree that the late was reported inaccurately with the exception of the last person, XXXX. She was quite rude and stated the account was late and it is not going to be changed. I have an email from the title company showing the wire transfer information dated XX/XX/XXXX if needed.

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 2020-02-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX | DOB : XX/XX/1967 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX 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. These accounts do not have any contact information payment history, this is inaccurate reporting therefor unverifiable and must be deleted from my credit report. 
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. 

Name of Account Account Number Provide Physical Verification Collection acc.  XXXX Unverified Account Collection acc. XXXX Unverified Account XXXX Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Revenue, Inc.
State: DC

Complaint narrative:
XXXX-I filed a compliant with your bureau against Eastern Revenue Inc. as they are reporting an inaccurate debt on my credit report with XXXX, XXXX & XXXX. In my complaint I have ask for a debt validation from company showing proof that I owe them directly {$700.00} for XXXX XXXX XXXX XXXX XXXX in which they reported as the original creditor. After waiting 30 days since they responded to this complaint, Eastern Revenue still had not sent any proof of debt to me even after me contacting them and speaking with XXXX XXXX on XX/XX/XXXX and verifying my mailing address with him. 

XXXX Since I was not able to resolve this issue directly with Eastern Revenue directly. I was able to get to the bottom of this since I was a former employee of XXXX and know the collections team pretty well there. Collections Representative ( Ms. XXXX ) informed me via by phone and email that I had an overdraft from XX/XX/XXXX that was not covered on an old checking account in the amount of {$530.00} ( please see attachments ). She informed me that I can pay this balance at one XXXX local branches and the account will be settled. 

XXXX I sent XXXX a certified check in the amount of {$530.00} and a request to close all existing open accounts. In my request I informed XXXX that if they accept and cash my certified check they will close and have the collection account removed with their third party ( Eastern Revenue ) who is reporting on my XXXX, XXXX & XXXX. As their third party is reporting an inaccurate account, and I have settled the debt directly with them ( XXXX ). XXXX agreed and cashed the check on XX/XX/XXXX and closed all requested accounts as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America mailed me a Bank of America rewards card application. The Bank of American specifically stated that after having spent a certain amount of money in a certain amount of time I would received cash rewards of {$200.00}. I went to the Bank of American branch office in XXXX, New Jersey this money to claim my {$200.00}. I was told that I would have to wait 5 business days for the Bank American to transfer the {$200.00} from the credit card account to my Bank of America checking account. I objected to the long delay. The Bank of American employee said that is the policy. But there can be no excuse for any delay at all let alone 5 business days. It is the same bank for both the credit card and for the checking account. I demand immediate credit to my check account of {$200.00} plus 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