vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There is a {$590.00} collection account from XX/XX/XXXX on my Experian credit report. I have disputed this multiple times, and it still remains. XXXX XXXX XXXX is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called Experian and a new dispute was opened since I discovered the class action settlement. Per the results, XXXX XXXX XXXX validated the collection amount and stated it will NOT come off my credit report. 
I have contacted XXXX XXXX XXXX 2 weeks ago, and they stated there is nothing they can do. 
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current Experian credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
Sometime in XX/XX/XXXX and in XX/XX/XXXX, I signed up with XXXX XXXX XXXX  to begin improving my credit for {$100.00} per month. They stated they would do so by filing disputes with creditors and credit agencies. I asked both times if the disputes would have any negative impact on my credit and was told they do not hit credit will not damage my credit. On XX/XX/XXXX I submitted an application for a pre-qualification for a home loan. The mortgage broker explained to me that the disputes were holding me back from being able to get a home loan and keeping my score lower. After speaking with XXXX XXXX of XXXX XXXX in the XXXX office she told me she has known since the beginning of her employment 1.5 years ago that the disputes, in fact, were impacting customers ' ability to obtain home loans. This means XXXX XXXX has been withholding that information from their customers thus influencing our decision to work with them. I don't think it's going out on a limb believing that other manager level team members at XXXX XXXX knew this information even before XXXX began her employment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 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 — Problem with personal statement of dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: DE

Complaint narrative:
There is a {$590.00} collection account from XX/XX/XXXX on my XXXX credit report. I have disputed this multiple times, and it still remains. Eastern account system is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XX/XX/XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called XXXX and a new dispute was opened since I discovered the class action settlement. Per the results, Eastern Account System validated the collection amount and stated it will NOT come off my credit report. 
I have contacted Eastern Account System 2 weeks ago, and they stated there is nothing they can do.

I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current XXXX credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX  regarding the class action settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I have had multiple phone conversations with contradicting information from PNC Customer Service. I received their letter on XX/XX/XXXX stating my current LTV was at 83 %. On XX/XX/XXXX XXXX XXXX advised that my PMI would automatically be removed and would be reflected on my XX/XX/XXXX statement, if I made a principle payment to reduce my LTV under 78 % and there was no further actions required by me the customer. Therefore, I made a principal payment reduction reducing my LTV to 77 %. I spoke with XXXX XX/XX/XXXX and XXXX advised there is no record of my PMI being removed and it would be XX/XX/XXXX and the only way PNC BANK would remove my PMI was to obtain an Appraisal on my property. I submitted a written request to have the PMI removed on XX/XX/XXXX. PNC Bank responded by stating a Appraisal is required to ensure my property value has not decreased. 


XX/XX/XXXX- I have submitted paperwork to PNC Bank with a check to have an appraiser come out, Even though I have already met the original criteria to have my mortgage paid down below 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: PA

Complaint narrative:
this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit

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 2018-03-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting 2 bankruptcies on my credit report in error. I have requested on NUMEROUS occasions to have this situation resolved to no avail. On XX/XX/XXXX at XXXX CST I spoke with XXXX , an Experian supervisor in the special service department, and was told they DO NOT know for certain the source they are verifying or validating the information they are reporting on my credit report so they can not disclose that information to me. That is a clear violation of the FCRA. They believe it can possibly be XXXX but they are not certain. XXXX also said that I may have to file a law suit to get Experian to comply. This situation has been going on since XX/XX/XXXX and has caused financial distress, additional expenses and denied credit. I have been in constant contact with XXXX and participate in their data suppression & credit freeze programs because of errors in their reports as well. After disputing the errors in the XXXX report, XXXX did remove the bankruptcies. Experian still has not corrected the errors and is still reporting improperly verified information. Attached is a revised copy of the XXXX report which reflects the removal of the derogatory records.

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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident.

In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply.

In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply.

In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply.

They are unlicensed, reporting illegally and attempting to collect illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
On Thursday XX/XX/XXXX, I called Harley Davidson Financial Services. I paid XXXX  dollars to bring my account current. I received a call XX/XX/XXXX. I returned the call at XXXX XXXX  and was told the vehicle is still up for repossession after bringing the account current. I am told this morning the vehicle is up for repossession for this month 's payment which I still haven't received the statement for. They attempted to strong arm me while on the phone telling me that it they may take off the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my Citibank account in XX/XX/XXXX because I find their online portal to be unhelpful. I was issued a {$35.00} refund to my account after closing it, and Citi told me they would mail me a check in that amount. It is now XX/XX/XXXX and it has never arrived. i just called today and they are apparently looking into the issue, but " do not know what has happened. '' While the amount is small, I want my refund as a matter of principle and because the company is so disastrous overall in terms of customer service. 

I closed my account after being unable to use my card multiple times, and constantly being locked out. XXXX XXXX and XXXX are both much easier options, as well as 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 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen

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 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My son took out a private student loan, from Wells Fargo, in XX/XX/XXXX to pay for a summer schooling program at XXXX XXXX XXXX XXXX in XXXX. This summer program would not accept federal student loans. My son 's grandfather co-signed the loan. 

After attending that summer program, my son continued his education at another university, graduating in XX/XX/XXXX. At this school, he used scholarship, grants and federal student loans. 

After graduation, we - his parents, began assisting our son with repayment and we noticed that the loan interest on the Wells Fargo loan had not deferred, while he was in school, but had continued to accrue interest. Although unhappy with the large amount of interest that had accrued, we began paying on this bill. We were not aware that so much interest was accruing, and I'm not aware that we received statements about this. Online, I can only see quarterly statements posted. 

Recently, I became aware that the interest is NOT DOCUMENTED on any of the statements we received. The interest is shown in retrospect - for the year. 

Secondly, after researching what that interest may be for a month, I realized that the set monthly loan payments ARE LOWER THAN WHAT IS NEEDED TO COVER THE INTEREST ALONE. Therefore, the bank has set up a system whereby it is impossible for my son to reduce his indebtedness and they did it in such a way as his debt will grow. 

This is a big problem for consumers everywhere. I would describe this as predatory lending - inadequate disclosure, failing to fully disclose or explain the true cost of the loan. By not listing on the statement the amount of interest that is accumulating each month, and by concealing this information, I feel that they are intentional in trying to set up a risky loan structure to make it more difficult and impossible for borrowers to reduce indebtedness. 

Especially vulnerable are young adults who have recently graduated college and might be placing their trust in a well known, national banking institution. With no interest indicated on the statement, where is there a flag for them to drill down to see if they are making progress on the loan? Like us, it may take months or years to question why they do not see a dent in their overall debt.

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 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MD

Complaint narrative:
Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX 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 2018-03-12 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
At the outset of getting my credit card, the credit card company charged my credit card for two amounts. I did not know these charges would be applied. {$4300.00} was charged on my account without my consent of these two charges. One charge was made to XXXX XXXX and the other charge was made to XXXX XXXX. The effective date was XX/XX/2016 in which the two purchase were made. I do not feel that I owe this amount to this credit card company. The card company is Bank if America, N/A. Or 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 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the west locked my account without prior notice. Hope that they can unlock my 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 2018-03-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Consumer Finance, My name is XXXX XXXX XXXX. 

I recently, obtained a copy of my Equifax Credit Report for XX/XX/2018. I notice on my credit report that, XXXX / XXXX had stated that, the courthouse verified my bankruptcy at the Court house. So, I written to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Equifax Report. 

See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''. The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. 

The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, Equifax and XXXX  a copy of the letter from the court house to show them the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is incorrect, untrue, mis-leading or false, " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ). 

I have written to asked them to remove the fraudulently information from ALL my Credit Reports. Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and Equifax. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation