vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit.

It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on  my credit report. 

They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing.

Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
CIT IRA Department. 

After several calls to customer service regarding my RAMP up IRA CD one time increase and being told no increase available, even after 3 Federal rate increases. I asked to take to a manager. 
Speaking with a supervisor XXXX XXXX yesterday ( XX/XX/2018 ) XXXX said that marketing had no intention on increasing the rate on my Ramp up IRA CD. I was told I not the only customer calling to complain about this. My option was to break the Ramp up CD and increase the term with a 13 month CD. At this point I dont trust this CIT Bank for this Bait and Switch option.

I told him this was wrong and I cant believe his CIT bank is not living up the terms of the Ramp up IRA CD with a cap of 2.49 %. My IRA CD Raise your rate with XXXX XXXX  was increased in XXXX from 1.25 to 2.50 %. 
I researched the these Banks thru XXXX. I think I should copy this letter to XXXX and Consumerfinance.gov/complaint. 

I would like to hear back from you this week with increasing mine and my wife 's Ramp up CD to current interest rates ( above 2 % ) not 1.26 % for the last 14 months and to finish out the current term or allowing me to transfer both IRA CDs to a more competitive bank without a penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting an XXXX XXXX XXXX account that is past the statue of limitation. They refuse to remove it after several attempts. Neither other credit reporting agency is showing it because it's an aged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is a debt happened 20 years ago.It 's a ( Zombie Debt, Credit Systems re-aging the debt saying it was opened in XX/XX/2012 ) it was opened 20 years. It been with multiple collections Agencies.

This is a ( Stature Barred debt as well ) It exceed the State Of Texas debt collections laws which is 4 years limitation.

Their violating the ( FCRA ) Laws.I contact the original creditor doesn't have a account on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters has reported a debt for a company called " XXXX '' on my credit report for {$2100.00}. Attempted to dispute debt and have requested validation of debt. Disputes have come back as " Debt confirmed ''. No paperwork or anything sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Upon inquiry into my credit report I noticed that Capital One credit card reported a late payment in XX/XX/2018. I disputed this error with both XXXX and Capital One. XXXX made the dispute and contacted Capital One, Cap One would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to Cap One, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
I have been fighting with this bank since I came back to island and found out that somehow they acquired my loan from my prior lender. I have everything set on auto-pay for my mortgage from my lender for years so there would never be any sort of issue. 

I was off island on international travel and had no access to snail mail - once I returned, I found that M & T Bank had bough my mortgage roughly three months prior. However my payments kept going to the old financial institution. I provided all proof that the payments were in fact made to the old bank, and wrote letter after letter that I was out of country and had NO way to know this had transpired. NOT one phone call from M & T Bank to tell me they were my new lender or that I had outstanding payments with them - when I asked WHY I did not get an email or phone call I was told they do not have my contact information - so let me get this straight, you can buy out my loan on my mortgage but not have my phone number? This makes no sense whatsoever.

They reported me 60 days late on my credit report which was well over 800 and now dropped over 160 points because of this - I had my own current bank prove the payments were sent from my checking account and the funds withdrawn every month ( so I would have had no idea there were issues ), the old mortgage company even sent a letter to M & T Bank stating they did in fact receive the payments and they ended up refunding those to me. All of this was faxed to M & T Bank as requested and letter after letter they mailed back and said NO they will not fix the problem. 

The money was eventually paid to M & T Bank however due to no fault of MY OWN I now have a significantly impaired credit rating and they still refuse to take off the {$140.00} in late fees. 

This bank is a sham - I am reporting them to federal lending act as well as the VA as my mortgage is backed by the VA and this organization should not be allowed to service or take advantage of veterans. 

I have been dealing with this nightmare for well over 8 months and they REFUSE to fix my credit or take off the late fee.

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 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX  to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the  company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MT

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
An item showed up on my credit from a law firm Kimball , Trey & St John on behalf of XXXX XXXX XXXX. Saying that I owe {$6600.00} for an eviction. I contacted XXXX  and disputed the line item letting them know it was not my debt and for this to be removed. In retaliation they filed a levy on all property against me. I have never lived at the property. I had no idea about this until I received a Notification of Levy, filed XX/XX/2018, AFTER they XXXX XXXX out my bank account with XXXX XXXX. I tried contacting them but was unsuccessful. I have sent a letter demanding they provide CREDIBLE proof this is my debt. The levy they have improperly placed on my bank account and all property causes a hardship on my life as I only receive assistance from the state as I have a XXXX XXXX child I take care of. In addition this has greatly affected my credit report in a very negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I purchased {$120.00} worth of Bitcoin from Coinbase.com on XX/XX/18. After the purchase they notified me that they would be accepting my purchase and taking my money immediately but withholding the Bitcoin indefinitely. I called them up minutes later on the day of the attempted transaction and tried to cancel it, but they refused. I have contacted them pretty much every day between XX/XX/18 and today ( XX/XX/18 ) asking for them to either refund my money or give me the Bitcoin I purchased and they have still refused to do so. No one would ever purchase an investment at its current market value but not take ownership until an unspecified time of the brokers choosing, I know I would never agree to that and have not agreed to in this situation. But that is how Coinbase.com insists they do business. I still have neither my money or the cryptocurrency I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I registered online on transunion.com to freeze credit report. After registration I was charged $ XXXX/month for credit monitoring service. There was no clear statement about the service fee. I was tricked to sign up such service. I called the company right away to cancel the service and tried to get a refund. I was put on hold for a long time, and finally a customer representative said their system was down, I needed to call back again. TransUnion doesn't conduct their business in a honest way.

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 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. 

I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is fraud.

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 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from Ge capital retail bank to Synchrony bank. In XX/XX/XXXX XXXX said they acquired this account. On XX/XX/XXXX XXXX states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.

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 2018-09-12 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: UT

Complaint narrative:
Upon inquiry into my credit report I noticed that XXXX XXXX credit card reported a late payment in XX/XX/2018. I disputed this error with both Experian and XXXX XXXX. Experian made the dispute and contacted XXXX XXXX, XXXX XXXX would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to XXXX XXXX, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.

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