vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have account with XXXX XXXX ( XXXX XXXX ). I disputed a few unrecognized charges ( unauthorized charges ) but unsuccessful. They put back {$450.00} on XX/XX/XXXX and closed my account without give back {$490.00} annual fee. They charged {$490.00} annual fee to use their card for the whole year which is very high. I would close my account with them after this year anyway. It's only XX/XX/XXXX now and they refuse to give partial fee back. Please help to resolve these issues Thank You

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 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been a customer for Best Buy since 2009. I have always paid on time in store with my checking account I have been charged for a debit protection benefit that I was not aware of until I disputed my XX/XX/XXXX statement for fees charged for being late and I was not late and was not given credit for XXXX additional payment. When I was told I was paying for a debit disability, that I was paying for, I filed a claim and was denied because they said I did not soon enough and they would not pay. My disability is permanent and not temporary and they are still charging me the debit disability fee but will not pay the benefit. I have completed 2 forms and sent to them and all information of my disability and proof of my Social Security disability .Since I have paid the debit disability fee for over ten years I want them to honor the disability insurance that I have paid for and still being charged the fee. Or refund amounts paid for disability fee.

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 2019-06-13 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: CA

Complaint narrative:
Hello, I went to XXXX XXXX XXXX out of the XXXX XXXX Airport in California. I have been paying since XX/XX/XXXX the amount was {$70000.00} now in XXXX I have never missed a payment and the amount is {$67000.00}. I really want lower payments and a fixed interest rate. I'm willing to pay but can not afford {$500.00} + monthly payments. 

I believed I was signing up for a government loan through sallie mea. Turns out it was not what what described to me. Navient is the new loan holder and I have tried many many times to get better repayment or forgiveness. I was promised a job out of the school but never got it and I had to start working ( not in field for the schooling ) just to afford the monthly payments. Even the rate reduction plans are {$500.00} + and Navient wont listen or assist me. I feel trapped and wronged. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.

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 2019-06-13 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: FL

Complaint narrative:
Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I'm pretty sure you have my son 's old address ' on my credit report. His name is XXXX XXXX XXXX and I am just XXXX XXXX. I have never lived at XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   AR 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 non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
In XX/XX/2018 I sent in paperwork to recertify my IBR Payment Plan. 
In XX/XX/2018 I was rejected because my income had risen too high. 
In XX/XX/2018 I resubmitted for a new payment plan that I did qualify for ( ICR ). 
In XX/XX/2018 they charged me with {$4000.00} worth of interest capitalization because I changed plan types. 

I changed plan types because I had NO CHOICE. Also the process to getting there was driven by what I was told and advised at FedLoan Servicing. They are essentially penalizing me for being forced to change plans and for being more successful? It is WRONG. That should NOT happen. I pay my loans on time and consistently. There is no reason I should be penalized with {$4000.00} of interest for a choice out of my hands and because I have worked hard to make more money so I can build a life and have a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I inquired with Navient, my current loan service provider, in XXXX of XXXX about Public Service Forgiveness. At that time I believed I was under student loan forgiveness, under President Obama 's order. I was informed that I was not. I was put on the path by NAVIENT to consolidate my student loans under a new program that qualifies for public service loan forgiveness. I did everything I was asked to do and provided all information I was asked to provide in order to be considered for student loan forgiveness as a public servant. I have been a public servant since XXXX, long before this order was issued by the President. 

Two years later ( XX/XX/XXXX XXXX I discovered that I was not under the appropriate " Income Based '' loan and that I was not under " XXXX '' and I had not made a single qualifying payment out of the 120 payments they told me I would have to make. I made at least 20 payments as of this date - in fact I make a payment every two weeks on a Friday without fail. I have spent approximately 15 hours in phone conversations with either NAVIENT, XXXX  or FAFSA concerning this situation. I believe I have been mislead along the way and have been misinformed as to the results of my efforts and payments. I have paid over {$7300.00} in the last two years towards student loans, I still owe {$34000.00} of which I pay {$130.00} every two weeks, wherein {$88.00} goes to interest and {$50.00} goes to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial is claiming that I was late with making payments and have not had any late payments in the past 20 years. I did not receive any statements from GM Financial in 2018 but consistently made payments by logging into the mobile app. I later learned that GM Financial made a mistake on my account and did not send my statement to my address ( XXXX XXXX XXXX, XXXX XXXX NY XXXX ) but instead sent them to XXXX XXXX XXXX, XXXX XXXX NY XXXX ). Upon learning of this information I grew worried that my personal information was sent to someone I didn't know and they told me the statements were returned as unable to deliver. I then asked how come no one from GM Financial reached out to me to correct or why their internal controls did not discover the entry mistake as my address is correct on all the lease documents and they did not respond. Furthermore, unbeknownst to me, GM Financial 's web page was in beta throughout 2018 and would present an amount due of {$0.00} and without a due date. I still made my payments because I knew I had too and have made every single payment. However, there must have been some timing issues in receiving these payments as they are stating I was 30 days late from XX/XX/2018 - XX/XX/2018. GM Financial did not acknowledge that they had any fault and would like an investigation into why there internal controls did not identify that my address was not correct ( especially since they received return mail ) and why I was placed onto a beta web page without my consent. I would like the late payments removed from my account and an inquire be made with GM Financial. Thank you for you consideration in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The last complaint stated that I opened up an account on or around XXXX. And apparently due to public record they confirm that they were my transactions. Public record also states that I've lived in dresses that I've never been to and that current address that you supplied is a building that's been burned down since XXXX and only recently rebuilt. I do not and have never lived in the state of Pennsylvania. I have a New Jersey state ID that says otherwise. Also in XXXX I was XXXX years old so I didn't realize you guys gave credit cards to minors .. so I asked that they remove this off my credit report as I've never applied to this company. I am homeless and do not have a current address ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I paid off loan. There was an overage that BB and T did not send to me- they sent the overage to a 3rd party. Additionally, BB and T has my updated address but did not provide to the State of Texas so now my title is lost. I have sold the truck to a 3rd party and now I am unable to perform on fulfilling my obligations. BBT has tarnished my business reputation.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX - 1. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX  XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.

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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX - 1. Called credit to pay collection, XXXX  XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Billing Inquiries XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam : I am writing to dispute an account ( s ) fraudulently opened in my name. I am a victim of identity theft In addition, did not open any account you currently are listing for me. I am not responsible for any charges made to this account. 

I was just told by your associate over the phone to submit this letter to have the account deleted from my SSN and taken off my credit file. My SSN is XXXX-XXXX-XXXX I have already filed with the credit bureaus that I have ID theft and they have place credit freeze on my credit file. Please close the account ( s )  immediately. I am requesting a letter from you all that the accounts are closed out and removed from my credit report as of today due to these are fraudulent account ( s ) open in my name, SSN and DOB. I am working with credit bureaus so I am requesting a formal letter you all have taken care of this matter. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran I have also sent this to Midland Credit Management, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX This was Fax over to them to Fax # XXXX-XXXX-XXXX-XXXX I have also done mulitple dispute thru the XXXX. They just keep update my credit file with information that is not mine. 

I have told both of the companies I never open a Credit Card from their bank. I have requested them to delete it from my credit report. Both of them companies are giving me the run a around. Especially XXXX XXXX XXXX, they keep changes what I have to do. I officially sent them letter in the mail. They have not even responded back from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
I am attempting to avoid foreclosure and short sell my home. I have an accepted offer and have been attempting to initiate a short sale with the bank and the bank refuses to allow me to initiate the short sale and refuses to speak on the account. I have left multiple messages with the specialist handling the loan and emailed the foreclosing attorney directly with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: CO

Complaint narrative:
I was driving home from an appointment, I did not catch the name of the gentleman who called me. At XXXX, from supreme lending, I informed him I was going thru XXXX XXXX, and no he couldnt beat the deal they gave me. About XXXX XXXX I received a text from my loan officer that someone had called her claiming to be me. As she has known me for 15 years and we had just spoken an hour earlier she knew it wasnt me and told them so and they hung up. The call I received was from XXXX, I know this is a routed number. My loan officer received a phone call from XXXX. Which I have saved in my phone from another supreme lending guy named XXXX who I was first working with n told me to save that number in my phone. When I called the number I was told it was XXXX  XXXX, but Since I have the phone number saved in my phone I highly doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %. 
On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
fraud the account is not mine never to any school

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 2019-06-13 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I had an account with citi bank The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked XXXX to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is 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 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Back in XXXX XXXX I was involved in a major car accident that resulted in serious medical attention, all of this was ruled in my favor as NOT AT FAULT. 

XX/XX/XXXX, XXXX I filed a lawsuit with XXXX XXXX XXXX to make sure all of he medical bills where paid. 

My lawyer has stated that a Power of Attorney letter was sent to all medical personnel to protect me from this debt. I have had called the creditor many of times to let them know that the bill was to be sent to my lawyer. To this day no bill was ever been received by myself or my lawyer. I get this notification that a {$210.00} debt was placed on my credit reports, seriously damaging my scores over a debt that is legally being litigated. The original creditor XXXX XXXX made notes months ago and promised me because I had a power of attorney that this debt would not be turned over to a collection. 


XX/XX/XXXX, XXXX XXXX XXXX sent the debt that is out of my hands to a collection bureau and seriously damaging my credit scores. I have tried to address the situation with both companies ( collections, creditor ) and they both refuse to do anything my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation