vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/2013, and discharged. They are reporting inaccurate information.

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 2018-02-12 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: Monterey Financial Services LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: FL

Complaint narrative:
Today XX/XX/2018 I called Transunion to see if they could of removed the inquiries in my credit report because my wife and I are trying to buy a house. So they said they wouldn't because I need to call each creditor. I called the creditors before calling Transunion to get them to delete them. They all said they love to help me but unfortunately Transunion is the one that erases the inquiries. I called Transunion and they didn't help me with my issue the representative didn't help me speak to a supervisor either. She insisted that I call all the creditors back. I told her that they told me to call them that they will erase the inquiries if I spoke with a supervisor. 
Obviously nothing was solved I don't like to complain but at this point they are keeping me from bettering myself and is not fair. I also was one of their customers that got a charged off account erased of my report and then a week later they put the account back with out telling me anything about. Why would they remove something of my credit and then put it back. That does not make any sense.

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 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/ 2013, and discharged.  They are reporting inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-12 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: MI

Complaint narrative:
In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!

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 2018-02-12 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: MI

Complaint narrative:
In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had some late fees and interest on the card and I called XXXX XXXX, the issuer of the XXXX XXXX  XXXX store card. They have agreed to remove the late fee and told me I was only obligated to pay the interest of {$12.00} which I did right away. The call took place on XX/XX/XXXX and the credit card billing cycle ended on XX/XX/XXXX. Instead of removing the late fees right on that date, XXXX waited till XX/XX/XXXX to remove the fees which resulted in accruing another late fee of {$26.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. 

On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00}  due XX/XX/XXXX from the previous month. 

They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments.

3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time.

I'd like to report them for this terrible, unethical behavior. It's bad business.

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 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
The original loan for a new home purchase was through XXXX XXXX  who then sold off the loan to XXXX. My wife was qualified on her own for the mortgage initially and then her job and income changed dramatically due to unforeseen circumstances. Once we had trouble meeting the mortgage we contacted XXXX to explain the situation and the change in income. They offered us a forbearance plan for 3 months which we met the conditions and paid the required amount on time for the 90 day period. XXXX then said they wanted to work on a '' Loan Modification '' for us which started in XX/XX/XXXX. When I went to make the monthly mortgage payment we were blocked from paying through the website as we had done in the past. When I called them to make the payment I was told by them that no payment can be accepted during the Loan modification process. I again tried to pay n XX/XX/XXXX and was told again they could not accept. We just got a notice from them that the Loan modification was denied for the reason we did not respond in time. We responded immediately and on time to every request we had from them and have records and copies of everything showing we did. They have allowed a large debt to grow for failure to accept the payments we attempted to make every month. They are all over the internet for fraud and deceptive business practices and feel they are trying to set us up to take our home.

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 2018-02-12 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: MD

Complaint narrative:
I sent a certified letter to Equifax XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # 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 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!

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 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have communicated with the company. They called me on cell phone with intent to harass and annoy. Please audit the company and have them list all calls to my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
XXXX XXXX XXXX  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XX/XX/XXXX GI BILL.

For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across XXXX looking to collect same debt, then again a year later Nelnet looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XXXX   GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a fraudulent debt. This account was opened in my name as a result of identity theft. I have contacted the collection company and they have been exceptionally rude and threatening when I have tried to explain to them that this is a fraudulent debt. I have also notified them that the date of the debt that they are attempting to collect is more than 7 years old in  addition to the fact that the debt does not belong to me. They continue to threaten me and talk rudely and nasty on the phone. This is not my account and it is as a result of fraud, and it is beyond the statue of limitations for them to even try to collect if it was not a fraudulent debt, but it is INDEED Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: VA

Complaint narrative:
I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, Equifax and XXXX reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?

Company response to consumer: Closed with explanation