vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
XXXX XXXX contacted me at work and talked to my employer about an account that has been removed from all three credit bureaus because after investigation they all found that the account did not belong to me and there was no real record of the account by the originator. I am a current client of XXXX so I find it hilarious this debt keeps getting resold and I keep getting XXXX XXXX iver it. This is a direct violation of my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have Navient as the servicer of my student loans originally through XXXX XXXX. My interest rate has been climbing faster than the prime interest rate for the past 4 years and now sits at 11 %. I've been given no answer other than, " sir, this is a variable interest rate that adjusts with prime '' for why my interest rate has gone up faster than prime and why I'm being charged a higher rate than other companies would offer. They offer no refinancing options. No options for adding a co-signer and seem happy to have their clients locked into loans they can not get out of in any way and charge exorbitant interest rates. 

This is predatory lending taking advantage of students trying to pay for their educations who have been convinced that the education is worth the investment. They refuse to work with their good customers and those who pay on time. I've never dealt with a more predatory company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My company got into a contract with XXXX for credit card Merchant Processing the provider is a registered ISO/MSP of Citizens Bank. In XX/XX/XXXX I got my monthly charge for the transactions done for the month of XX/XX/XXXX. I noticed my charges where significantly higher than usual and more than what my contract states they should be. I called the XXXX. I finally go hold of someone and I asked why there was such a huge percentage discrepancy in fee charge. He told me that there was a XXXX dollar annual fee. I told him I was never told this plus it wasn't in my contract. He told me they only charge this once a year. This the second year in a row that this happens and I have to contact your Bureau to correct this. This doesn't follow the contract nor what I was told in the emails by the sales person. They are breaking the contract deal. This is unethical! I not only want this bogus annual charge of XXXX to be reversed but I would like a full audit of my account done from the time it was open. I believe they are not following the terms of the contract. I have the contract in PDF in three pieces so I could upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IN

Complaint narrative:
After I make the monthly payment, interest charge for purchases and interest charge for cash advances are charged to my account. I am debited with these charges, after I make a payment on my account as if I have made additional purchases, and cash advances ( since the last payment ) from my account when I have not.

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 2018-03-14 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: NY

Complaint narrative:
equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
in the mail i received checks for a loan to just write out yourself. there was a 3 % fee the 0 interest for 18 months. i called the company and asked them how it would work because i charge XXXX to XXXX every month and pay it off to avoid interest and i was told that as long as i pay off my total charges plus make the minimum payment i would have no charges. the first month I had a interest charge even though i paid my charges in full plus an extra {$200.00} on the no interest loan. I called and was told it use to be that way but now they apply the whole amount to the 0 interest. well that means you don't get a 0 % loan because they never pay off your high interest card and charge interest on that. now i received the second months statement with interest again. so instead of paying the 3 % to get a 0 % loan we paid 3 % on {$3000.00} and now have to 23 % on the credit card balance because they only apply it to the loan not the card you are trying to pay. so i paid 3 % so they can charge 23 % plus what i had to pay them for the loan

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Credit limits have been decreased on both my personal credit card and my business credit card and I am have been a customer since XX/XX/XXXX and I have been XXXX XXXX since XX/XX/XXXX and my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close 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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TX

Complaint narrative:
I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I would like to file the complaint as the way XXXX XXXX has worked on the dispute. 

Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. 

I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. 

I approached the merchant stating the same thing and they mentioned to me that they are investigating. 
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. 

But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my Experian report. I request it is deleted immediately. The debt is from XXXX XXXX for {$260.00}

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 non-monetary relief
Consumer complaint received 2018-03-14 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

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 2018-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with capital one for not removing my capital one account as late when the account is closed and is past the statue of limitations but XXXX has also reported the capital one auto finance account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed capital one auto finance and XXXX XXXX with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. 

I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. 

The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX   XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. 

However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. 

Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. 

I am not late with my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my XXXX report. I request it is deleted immediately. The debt is from Commonwealth Financial for {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.

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 2018-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, Equifax and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, XXXX  and Experian and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant 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