vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have just checked my credit score that seems to be ok. However, as I was going through my credit score I noticed that there is a name of a XXXX XXXX on my report. I no idea who XXXX XXXX is. I don't know how, who, where, when or why that name is on my credit score because that is not my name. I have two other names, one is from my previous marriage and the other is my maiden last name that I have used both of those names in the past, but I don't use those names anymore either. But I do not now and I have not ever been a XXXX XXXX. Please remove that name from my credit score and I want that name to be removed from my credit score immediately. Thank you for your time and consideration. Sincerely, 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 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I disputed a negative item on my credit report via XXXX 's tools. I made sure to note that I am unaware of this debt with this company and they are still remaining on my credit. I do not owe this company any monies. I've never had an account with this company. I do not owe ANY creditor the amount they are reporting in excess of {$400.00}. So, I am sure that this is an erroneous debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2018-02-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.

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 2018-02-13 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: LD Holdings Group, LLC
State: NY

Complaint narrative:
I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # 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 2018-02-13 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: MD

Complaint narrative:
I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Date of incident Open XX/XX/XXXX close XX/XX/XXXX someone opened up the account fraudulently in my name I've been trying to get it rectified I filed a police report I contacted the company they took it off my XXXX XXXX and experience but not my XXXX I contacted the company and disputed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.

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 2018-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU

Complaint narrative:
Have been disputing collection/chargeoff from XXXX XXXX XXXX who are stating the dispute is resolved and customer disagrees with the findings.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
The mortgage company that I currently have XXXX XXXX XXXX refuses to give me a statement in the mail concerning my loan payments. They state that they do not have to give me the statement in the mail. I have noticed on several occasions that the balance, and monthly statements are not accurate. I have requested 5 times that they start mailing me statements and they refuse. I have also asked them to send me an itemized list of my account concerning all of my payment since they have taken over my loan, and they have not complied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
Im writing to you today hoping you can stop the bank from taking the house that has been in our family for over twenty years. My mother was living in the home when she passed away and left it to me. My brother and I worked hard to pay off the mortgage, but this past year has been difficult. 

Rays struggled with medical issues, being on a fixed income myself, and XXXX  XXXX, I did what I could to make up the difference. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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:
XXXX XXXX XXXX account ( ending in XXXX ) was opened fraudulently. 

As I have upgraded my XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( ending in XXXX ) in XX/XX/XXXX, I was told that the previous card has closed. 

On XX/XX/XXXX, I went to XXXX XXXX store made a purchase, and asked the XXXX XXXX cashier to put that purchase on my XXXX XXXX XXXX account. However, the cashier open a new XXXX XXXX account without notifying me. 

On XX/XX/XXXX, I received call from XXXX XXXX to pay late fee charge and interest for XXXX XXXX Card account. After speaking with more than three customer services from XXXX XXXX on the call, they just pushed me to settle for the payment. 

XXXX XXXX failed to notified me about the new credit card account opened without my consense, until the late fee has been charged. I was charged for unfair late fee due to the mistake made by XXXX XXXX workers and XXXX XXXX. 

I have no late payment for any other credit card that I own from other banks. This has negatively impacted on my financial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call

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 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: AFNI INC.
State: MI

Complaint narrative:
I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I filed bankruptcy XX/XX/XXXX and had all debt discharged. I have a person trying to tell me criminal action is being pursued against me for a returned check that was included in the bankruptcy discharge. I notified all creditors that the bankruptcy was filed. This particular person/agency continues to call after 3 years of the bankruptcy being filed and discharged. The latest call was made onXX/XX/XXXX and I was threatened with criminal charges and told contacting my attorney would be pointless that the charges would be filed any way and that I would be recorded as non-compliant in the matter. The person also hung up on me rather than having a discussion. The person/agency never gives a name, just that they are from the Fraudulent Department and leave a call back number.

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