vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I opened a XXXX  XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX   failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX  XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX  XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). 

If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX  XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX  informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX  ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. 

I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX American Express Dear American Express, Bad Customer Service New Accounts Department American Express Cash Magnet Card Application Reference :XXXX I am existing card member American express since XXXX and I am enjoying membership 14 years. I have a Blue Cash every day card and XXXX XXXX card. I noted this days new card offer Cash Magnet card your website and applied on XXXX XXXX .I got a email please call us update your application. 
I called XXXX on XXXX XXXX at XXXXXXXX XXXX ( PST ) New Accounts department and answered agent name called Mr.XXXX. I am asking status about my application and he treated me so bad behavior. He not treated me as a valued customer. 
I asked to transfer my call to supervisor and he said we dont have a supervisor. He answered my called very high tone and I am so got upset. 
I told him I am existing card member and he didnt believe it. he said under my Social security number he can not see active accounts. So I have to provide my full card number to pull up my accounts details. 
I am not worried getting this card and I am worried what he was treated me unprofessionally. 
Please train your agent provide good customer service. 
Feel free to contact me on XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

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 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I got scammed 2 years ago which end up having BB & T bank closing my account and removing the remaining money i had. Then 2 weeks later someone try to cash a fraud check in a state which i never been. The bank flagged me to all other banks. Then the branch closed and later bought out by another bank. Now 2 years later i am trying to build my credit and open a account with a bank. And i am unable to do so. The newest bank manager said to get the information from the former bank about the situation. But the is impossible. I need that hard inquiry removed as i am a victim and being punished for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid my credit card bill, sent it certified in fact and it was signed for by Capital One. The issued a lte fee for non payment even though I provided proof, in fact provided proof like 10 times. They refuse to reverse their illegal charges despite the reality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 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: NY

Complaint narrative:
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX XXXX XXXX  in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , severaXXXX repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

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 2018-08-20 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: WI

Complaint narrative:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

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 2018-08-20 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: WI

Complaint narrative:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Sallie Mae now Navient who was my loan provider. I asked to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the customer service rep that everything was correct. It wasn't until XXXX that I learned by checking on my status that my student loans had to be transferred to the PSLF for it was never done. I contacted Navient in XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. Just last month I learned that none of my payments prior to XXXX counted toward the 10 year PSLF program which meant that I made 4 years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by Sallie Mae and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: NY

Complaint narrative:
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX  was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXXl , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

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 2018-08-20 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: NY

Complaint narrative:
i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovis
State: GA

Complaint narrative:
I was hospitalized in XX/XX/2017 and sent home the next day. Was rushed back to have to get XXXX XXXX, XXXX XXXX removed from my XXXX. Hospital stay was over 30 days and when I said I was suing the hospital for sending home with XXXX treatment, I never received a bill. I checked my credit and multiple debts are on my report some twice or three times repeated, I also have inquiries that are unauthorized and Im unable to get updated scores after calling and faxing in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have this is the third time I have complained about XXXX XXXX XXXX XXXX # XXXX, THEY HAVE NOT SENT ME ANY DOCUMENTATION OTHER THAN A STATEMENT WITHOUT ANY SIGNATURE OR CONTRACT BARING MY NAME. THIS IS MY NOTICE OF INTENT TO FILE LAW SUIT. 
THE SAME AS CASE " XXXX XXXX XXXX XXXX V.S XXXX XXXX ( 2014 ) NO. XXXX. I DO NOT WISH TO DO ANY BUSINESS WITH XXXX XXXX XXXX XXXX. THEY ARE.. what is known as a debt collector and debt buyer. Debt buyers are a type of debt collector who do not lend money or issue credit cards, but who instead purchase defaulted consumer accounts in order to collect and file lawsuits on them. They have no documentation to prove that they owe the debts. Regardless of what documentation they have, the must still comply with the federal Fair Debt Collection Practices Act, they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have a loan with MERCEDES BENZ FINANCIA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To CFPB, A month ago my attorney at XXXX XXXX XXXX sent Resurgent Capital Services a letter concerning a bogus debt they are trying to collect. They claim I owe XXXX {$2000.00} for a phone bill I never had. My attorney requested Resurgent to send us proof of this debt i.e. what is it for. Resurgent did not send proof of anything and just stated that I owed this amount for something I don't. 
When Resurgent responded they did not send proof but rather, stated that they were not going to respond further on this matter. Therefore, and for this purpose we are asking CFPB to look into this matter on a federal level since Resurgent has refused to obey federal law and send us proof of this bogus dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to check my credit score for free online, after that I found out I was billed XXXX $ from TransUnion and I wasn't even aware they charge for that.There was no ANY information whatsoever on the website and I didn't even know they are charging me and even that I am subscribed! You are automatically subscribed and charged without any knowledge once you put your credit card number to check free score! It is even hard to cancel at all or to reach them. I managed to cancel same day after hassle after I saw I was charged on my online banking however they already took my money. I am also worried about privacy of my important information since they just scammed me for my money! I don't know how can this go away here! In XXXX it is impossible! 
XX/XX/2018 XXXX $ TransUnion

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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company. 
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have tried to work with Navient regarding my defaulted student loans for the past 2 + years. I have submitted for a Income-Driven/Based Repayment Plan ( IBR ) and was rejected for a lowering on my loans like the Department of Education had done in the past as the decision was only based on income and not on any of my bills that I must pay monthly. I have asked repeatedly to have this process reworked only to hear no and just a continuation of billing for an amount I can not pay! The last time I requested this was in XX/XX/2018 & was informed on XX/XX/2018 that " Our records confirm that your IBR request was denied on XX/XX/2018 because your financial circumstances do not meet the federal definition of " partial financial hardship '' required for enrolment in the IBR Plan. '' They have offered a reduction in payment to {$71.00} for 24 months which is still outside the amounts I can financially afford. And with everything increasing in cost and employers not offering much in wage increase only causes more financial & mental distress to the point I can not even think clearly at work!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: TX

Complaint narrative:
Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.

Company response to consumer: Closed with explanation