vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRSTBANK PUERTO RICO
State: AZ

Complaint narrative:
Greetings. 

The options presented in previous steps does't actually reflect my case. My case is that I got a new car loan in XXXX XXXX prior enlisting in the XXXX. After XXXX, and XXXX XXXX, got orders to XXXX to Arizona. I spoke with the bank back in XXXX XXXX to emit a letter that let me bring the car with me to my new XXXX. The bank 's answer was that they can not do that because the car still belonged to them and if I wanted to ship the car, i had to completely pay off the whole loan so the car becomes mine and do with the car whatever I wanted. 

I am still paying the vehicle loan on time but the car has been unused for the past 3 months because I can not bring it. I have tried to sell the account to interested people without any success. I also tried to refinance the vehicle with stateside banks/credit unions to bring the vehicle but I will end up paying way more with the new loan. I'm desperate with this situation because I can't find a buyer, I'm paying $ 500+ monthly to keep the car payment up to date but I'm starting to find myself financially " tight ' every paycheck. I just want to give the car back to the bank without affecting my credit and be released of that burden. If I were using the vehicle here with the same payment, I wouldn't be asking ; screaming for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. 

I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!

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 2018-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XXXX, my wife and I received our mortgage payoff information from XXXX XXXX XXXX XXXX. The payoff instructions indicated final payment must be wired, or mailed cashiers check. I chose the former, being ( I assumed ) faster and safer. On XXXX, I went to the Krogers store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, as they were the nearest Western Union center. I provided the woman at customer service all the wiring information given to me. My payoff amount, {$590.00}, and the wiring fee, {$16.00}, came to a total of {$600.00}, which I paid with my XXXX XXXX XXXX debit card. When I arrived home, I went to Western Union tracking online, and entered the receipt 's tacking number XXXX, and saw that it was listed as " Received. '' Since it was Friday, I waited until Monday XXXX to call XXXX XXXX. I was told by the XXXX XXXX rep that they had not received payment, but it could take " a couple days. '' Wednesday XXXX, I called XXXX XXXX again. Payment not received. I was asked to scan my WU receipt, and email it to their research incoming dept. I did so when I returned home at XXXX XXXX. Very concerned, I called XXXX XXXX again XXXX. Payment still not received. The XXXX XXXX rep was very helpful in getting my final mortgage payment completed ( via our escrow ), and contacted WU while I was on the phone with her. After a lengthy process, she was able to connect to a WU representative. She gave the WU rep the XXXX XXXX wiring info he requested, and all of my wiring information. The WU rep assured me my money would be refunded, but " please allow XXXX hours. '' I was assured I would be contacted. I also filed a claim online with WU when I got home, supplying all information, and referencing the confirmation number the WU rep gave me. Being Friday afternoon, I patiently waited until late Tuesday afternoon, XXXX, before calling WU. I was told it was " still being investigated, '' and I " might want to have the sending WU branch trace it. '' I received an email from WU as a result of my filing online, essentially saying it was " up to the receiver '' to issue a refund. Basically, I was being given a massive runaround. The problem was with the woman at the XXXX WU apparently guessing at the receiver, and sending it to the wrong place! The XXXX WU told me I would " have to take it up with Western Union. '' Again, a runaround. I find it nearly impossible to believe that, in this digital age, a company as huge as Western Union ( {$5.00} billion revenue in 2017 ) can not manage to ascertain WHERE my money was sent, WHO received it, and REFUND my money to me promptly! I am patient, but my patience is not without limits. I hope that you office will offer me assistance, for which I offer my gratitude in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: CO

Complaint narrative:
We paid for a concrete pour service from XXXX XXXX on XX/XX/18 ( which would not take place until XX/XX/18 ). On XX/XX/18, we canceled the service ( there was no cancellation clause in the contract, and it was timely cancellation since it would not have taken place until XX/XX/18 ). Then we didn't hear back from XXXX XXXX despite many calls and emails. 

Our credit card company XXXX XXXX PREFERRED credited this charge at first but then reversed it - asking us to support with other information which we did throughout these past 2 months. They have since closed the case despite these circumstances : 1 ) We never got the service we were charged for. ( another concrete vendor wrote a letter to XXXX in our defense saying the work was never done ) 2 ) We tried to cancel timely. ( see contract - no cancellation clause ) 3 ) XXXX XXXX is a fraudulent company ( see the recent XXXX complaints, XXXX station in XXXX will also do a story on them about them ripping people 's money ) 4 ) We have provided everything possible that they have requested. 

Citibanks investigation did not even ask for the cancelation clause, even though that is why they initially ruled in the merchants favor. If they had done a proper investigation none of this would have happened. Citibank employees have told me numerous times to submit documentation, the claim was open all to be told later by a senior supervisor XXXX XXXX XXXX that none of that is true and after XX/XX/XXXX deadline nothing else mattered. They are very incompetent and had they discussed how the dispute should have been filed ( cancellation vs no services received ) we also would not be in this situation. Citibank blamed the rules on Mastercard/Visa rules about timelines, but they were the ones that caused this because they did not properly investigate. I am happy to provide more explanation because this should be a very logical dispute that should have ruled in our favor. 

Somehow the merchant and the merchants bank stated services were done, obviously not true and why would Citibank just accept that was true??

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 2018-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number. 

This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express Fraud Department investigated and per my request closed the card ending in XXXX XX/XX/XXXX. 
American Express then drafted a letter of apology for me to send to XXXX & the other two credit reporting agencies that the XXXX account was a result of fraud & I was not responsible. ( I did mail that letter to XXXX, XXXX & the other credit reporting agency. 
Now 4 years later, the American Express account XXXX has some way been resurrected by American Express resulting in my receiving a request for payment on XX/XX/XXXX. 
I waited to see if American Express would see their fraud department letter sent in XX/XX/XXXX & cease the harassment but another request for payment on a resolved/closed fraud account has been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX has received several ( 4 ) copies of my FTC identity theft report over the past 3 years. Performant just changed the account number and began collections again. 

XXXX XXXX XXXX has never provided any actual documentation of the fraudulent student loans they alleged are assigned to me. 

The only documents ever sent are a forged master promissory note and copies of an online approval obtained by the unknown identity thief. 

Currently, Performant is seeking to obtain funds for the identity theft student loan at an interest rate equivalent to 267 %. 

When questioned via phone conversations, XXXX XXXX XXXX representatives state that they are only contractors and don't have any actual documents regarding the amount they are demanding. Additionally, the same personnel repeatedly tell me to stop send them letters/identity theft notices via my FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: CA

Complaint narrative:
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX from XX/XX/2018 XX/XX/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 2018-09-24 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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/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 2018-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/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 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-24 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: CA

Complaint narrative:
I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 )  the amount of the payment increased by more than 300 %. 

The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 

1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 

2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 

3 ) I uploaded the further documentation during XX/XX/XXXX. 

4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 

5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. 

I believe Navient is acting in bad faith for several reasons. 

1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 

2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 

3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 

4 ) The website does not show uploaded documents. 

I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity.

Company response to consumer: Closed with explanation