vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from Equifax stating my dispute results were available online to be viewed. I attempted to login to Equifax to receive this and had to reset the password, which they sent me the link to change and then after resetting the password and attempting to login I get a message to call Customer Care at Equifax. So I do this call them and have to enter all my information in an automated system : social, phone number, date of birth , street address number and zip code. I then finally get sent to a representative who is foreign and can barely speak English. She  proceeds to ask me all the same information again and the dispute number from the email. She then asks me to verify who my mortgage is through. I told her I do NOT have a mortgage, she says, '' well then I can't give you the information because it says you do. '' I told her I don't I filed bankruptcy and it was discharged XX/XX/XXXX so I am not eligible for a loan! She proceeds to say well you need to send in your license. Have a nice day..What??? I three weeks before this unable to file a dispute online, filled out the form and faxed it to them with my license!!! 

I am getting the run around and can not get my updated credit report or dispute status. I have already sent the license and she did not even tell me where to send it AGAIN!!! She hung up on me. This is ridiculous that they have all the information but will NOT give me mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
I have been a victim of identity theft so the application process is much intense than when someone without the same circumstances apply which is against my rights I should be treated the same as a regular consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
The Company identifies itself as Conns Home Services. They call from multiple numbers 4-6 times a day. They ask for a person I have never heard of. I have told them repeatedly that they have the wrong number and have instructed them to stop calling. Then they tell me that I must verify my personal information or they wont remove me from their list. I have blocked two different numbers that they call from, but they still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/2019, I was scammed by somebody on the internet. They setup an account on XXXX, tried to sell me tickets to a concert, had me send money via PayPal, and then disappeared entirely. The transaction was conducted through PayPal Family and Friends, so there's nothing that can be done to retrieve the money - and that's fine. I want to report the user so that maybe in some way this account can be stopped. It was a dumb move on my part, and I'm embarrassed about that, but I would like to help others avoid a similar situation. If there's anything that can be done to shut down this user on PayPal and XXXX, that would be awesome! 

DO NOT SEND MONEY TO : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered a TV from XXXX using my Citi card on XX/XX/19. I attempted to cancel the TV less than 12 hours later on XX/XX/19. The total cost from XXXX was {$390.00}. 

I was told that there would possibly be a 15 % pre tax restocking fee if the TV had already shipped. It had not because I canceled less than 12 hours later. 

The most I expected to pay was 15 % of {$390.00} pre tax but did not even want to pay that. I ended up not even receiving the TV delivery and was charged the full price for the TV - {$390.00}. 

I disputed and redisputed this with Citi bank and they denied me. So now I have an outstanding balance of {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2019 my Transunion and XXXX reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my Transunion and XXXX reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name XXXX XXXX XXXX XXXX of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad Astra Recovery Service, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Best Loan Service, LLC.
State: OK

Complaint narrative:
Loan opened XX/XX/2019 with Best Loan XXXX XXXX. XXXX XXXX XXXX Ok XXXX. First payment due onXX/XX/19k I made first payment on XX/XX/XXXX. The manager name XXXX XXXX and workers in office XXXX said one day after due date you are considered 30 days late. I explain this is not correct. reporting with XXXX. I advised and 30 days late means 30 days past due date. After 2 months Manger XXXX said she would correct they have had changes in who sends reports to credit bureau. I explained this error dropped my credit score 100 points. She apologized, but avoided correcting and my calls she works out of this office, the loan office agents weren't helpful either. I filled a credit bureau dispute and got that corrected in XXXX. I paid this loan off on XX/XX/2019. They report monthly at the last day of month. Error again they reported XX/XX/2019 I owed {$640.00}. When I went in to pay the manager on duty was very rude, states I had called there office bothering them daily for my own error of paying late. I was profession for 5 1/2 trying to get them to correct there error. They state there company was bought but refused to give me new company owner 's name or contract number. If you are reporting a credit bureau you are required follow procedure. They need to be reported. Please take action for mishandling of my credit reporting and delays. ^

Company response to consumer: Untimely response
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX sold out to Westlake Portfolio Management. I would assume for the issues with the military, to include myself, and their overcharging and improper procedures of collection. I owe 1 more payment to Westlake, as they took over the last few months. I have not been late, but they are attempting to collect my last payment a month ahead of time and are now are saying my XX/XX/XXXX payment is considered late and will reflect on my credit. They are using this as a tool of harassment. I am a XXXX XXXX XXXX veteran and I served 22 years as an XXXX XXXX is the XXXX XXXX XXXX. The fact, we have been overcharged and overcharged and had added expenses is incomprehensible. We have been unable to understand our debt since going through XXXX and are unable to access any charges by XXXX or Westlake Portfolio Management. We are confused how we owe an entire {$800.00} more when we supposedly owe {$650.00} as our final payment. No one can explain this to my wife and I. We have been called every day since the XXXX, as they say our payment is now is default. Again, we are not late nor have we been late. XXXX extended our payments during XX/XX/XXXX/XX/XX/XXXX, I believe it was, and they did report to credit that we were late when they fixed the payments to be paid in more than one payment on a monthly basis. This was due to biweekly pay schedule. The issue is with Westlake now and we can get no satisfaction with insuring their mistakes does not effect my credit. I am trying to buy a house. I have been repairing credit due to fraud since XX/XX/XXXX/XX/XX/XXXX. This has been tragic. I have no idea what to do at this point but to contact attorneys. Westlake Portfolio uses tactics I believe are wrong. What else can we do here when we just want this issue fixed? Regards, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have graduated from an XXXX program and now I am enrolled in a XXXX   program that my employer pays for. 

XX/XX/2019, I received an email stating my " In-school deferment has been approved '' I immediately contacted Navient and requested that I be taken out of deferment as I had not requested this nor do I want it. They respond and take me out of deferment stating that my school contacted them about my new enrollment status and it was automatically changed. I can understand how this would be helpful so not a big deal it got changed. 

XX/XX/2019, I received another email stating my " In-school deferment has been approved ''. Once again I've immediately contacted them. Every time this happens it raises my monthly payment. It looks as if every other month they are trying to put me in deferment without my permission after I have explicitly stated that I do not wish to be in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation
State: AZ

Complaint narrative:
I have never used the card and my first direct deposit was supposed to be loaded onto the card on Friday XXXX XXXX. On Thursday XX/XX/2019 I started to get text alerts around XXXX XXXX  that all kinds of charges were being made from that card. I looked to find out my card was not in my possession. I immediately called to report the card stolen. It's been since last week and they still won't issue me a new card and still won't credit back the amount taken from me which was over {$300.00}. I need to access the funds so I can pay my rent. Otherwise I face becoming homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
I graduated from the University XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. My student loans ( all federal loans ) came due on XX/XX/XXXX. I was initially with XXXX XXXX XXXX. I was then transferred ( not by my request ) to XXXX loans from XX/XX/XXXX until XX/XX/XXXX when I was then transferred again to My Fed Loans due to being under the Public Service Forgiveness program. For two years now I have been in contact with My Fed Loans about receiving credit for all payments made XX/XX/XXXX-XX/XX/XXXX. I call every 3-4 months and I am still told that this payment information has not come over. I attempted to call XXXX myself but they are no longer in business. Therefore, I have no proof of 10 months worth of payments that would go towards my 120 qualifying payments. I desperately need proof of these payments in order to get my forgiveness in the correct time-frame rather than a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: AL

Complaint narrative:
please see my previous cfpb closed complaint XXXX for details and attached proof. 
XX/XX/XXXX I received an attempt to collect from XXXX XXXX, XXXX saying the amount owed is {$790.00} from XXXX XXXX XXXX. 
1. This is a FRAUDULENT claim from a collection agency. 
a. statute of medical bill collection limitations for BOTH Florida and Alabama is WAY over the statute of limitations. This medical bill was done in XX/XX/XXXX. It was written off due to indigency in XX/XX/XXXX. ( please see attachments from previous cfpb complaint regarding this same issue and you will see both hospital and XXXX XXXX XXXX written off confirmation numbers ).

b. It is ILLEGAL for this agency to continue to pursue after statute of limitations ( x 2 Florida and Alabama ) is over c. It is ILLEGAL for XXXX XXXX to cross state lines to collect-yet this is my second time this year dealing with this issue. 
d. Amount they say is due is FRAUDULENT and ILLEGAL. See previous cfpb complaint for attachments. Correct amount is {$0.00} e. THIS is FRAUDULENT because it has been reported on my credit report 4 times now and I suspect when I do not pay this time it will be reported a FIFTH TIME.

I am asking that you enforce my request that they stop seeking to collect. Im XXXX and can not pay this bill anyway. I will not pay this bill as it is fraudulent and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was sent a very professional looking letter via US mail dated XX/XX/2019 from Saks Fifth Avenue stating I had been denied approval of a credit card for which I did not apply for. It offers a number ( XXXX ) to get details on the denial and when I called it is just a message stating to leave name, number and social security number. I ended the call and did not leave my information, but I'm certain others are getting this same letter and unknowingly offering criminals their private information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I have had a conventional mortgage with XXXX XXXX  since XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX  to inquire about the cancellation of my PMI. On XX/XX/XXXX, my loan balance dropped below 78 percent of the original value of the secured property and I was current on my mortgage. The customer service representative told me that they were notified that my mortgage dropped below 78 % and they were processing the removal of my PMI. On XX/XX/XXXX, my mortgage payment withdrawn from my bank account included a fee for PMI. I called on XX/XX/XXXX to inquire about the reason for it not being removed. The customer service representative told me they would have to send me a letter to cancel PMI. On XX/XX/XXXX, I received a letter in the mail giving me 2 options to remove my PMI. In the letter, they state that my loan is current and I have received 0 30 or 60 day delinquencies. It also states that they acknowledge that my current loan to value is 77.60 %.

Option 1 - Obtain a full appraisal ( appraiser picked by XXXX ) for a fee of {$520.00}. If the full appraisal comes in at {$180000.00}, they will cancel my PMI. 
Option 2 - Send in a principal curtailment of {$0.00} in order to reduce my current LTV to 80 % and pay {$120.00} for a certificate of value ( appraiser picked by XXXX ) Neither of these options were in accordance with the Homeowners Protection Act ( HPA ). The HPA requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property ( based solely on the initial amortization schedule in the case of a fixed rate loan or on the amortization schedule then in effect in the case of an adjustable rate loan, irrespective of the outstanding balance ) if the borrower is current. 

My loan is current and below 78 % of the original value. However, nobody at XXXX can explain to me why my PMI has not been cancelled other than to tell me I have to order an appraisal or get a certificate of value. Nobody can explain why they are not operating in accordance with the HPA or why my mortgage is not governed by the HPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 my XXXX  and Equifax reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my XXXX and Equifax reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE BANK IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE CAP ONE ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, XXXX, XXXX XXXX XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name SPEEDYCASH COM XXXX VA of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
XXXX XXXX is attempting to collect a debt that we have spent months trying to work with them on, and they are refusing to settle the debt for less.

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