vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: AL

Complaint narrative:
This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to place a security freeze with Transunion. Transunion processed my credit card for the amount of {$10.00} but then claimed they could not complete the security freeze. This was at XXXX at night XXXX XXXX which I doubt is high load time for their website. They offer not easy recourse to recover the fee they charged.

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 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual 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 explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Collection Technology Incorporated
State: PA

Complaint narrative:
I have been dealing with wage garnishment for the last 2 months. In attempt to stop this and make payments on default loans. I have been denied to consolidate and also to rehabilataite. I have exhausted all options and afraid I will have to file bankruptcy. I have no had a steady job since leaving school in XXXX. I finally have one along with XXXX children, I can not sustain a healthy life because all my disposalable income is taken without having a fair opportunity to set up plans to pay it back. I am counting on my tax return to finally pay off some past due bills, now I 'm afraid it will go toward a wage garnishment. I need help so I ca n't start sleeping again. I am trying to set up Payment arrangements but my options that they are giving me is only wage garnishment. There must some way to get me back on track without taking all my disposalable income from me every check ... again i eant to pay it, and it almost makes sense to quit my job and try to find work u see the table, which I truly dint want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.

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 2017-09-19 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: CarFinance Capital LLC, Irvine, CA Branch
State: CA

Complaint narrative:
Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This 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 2017-09-19 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: CA

Complaint narrative:
I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to me.

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 2017-09-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have recently subscribe to a " sports package '' of television channels with the XXXX co. I soon came to find out that I was getting revolting political comentary on the sports channel that I 'm paying for. When I went to cancel the subscription package with XXXX they told me that XXXX ) I would be charged a higher monthly fee if I try to cancel XXXX and XXXX ) if I cancel my service with XXXX that I would have to pay an early cancellation fee of {$220.00} dollars or else they would do harm to my credit rating. I feel as though XXXX is the one that broke the contract with me for providing revolting political commentary on what I thought was going to be a " sports '' channel. 
Please help me end my service with XXXX in a way that prevents them from doing harm to my credit report. 
thanks you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is related to Equifax 's data breach. My information was part of the data breach according to Equifax 's website. I have attempted several times to complete the process to enroll in protection via their website. So far, I have been unsuccessful. Equifax has clearly not invested enough resources to protect my data from which they have profited. I hope that the U.S. Government can assert greater pressure on them to take this breach more seriously! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened an account with American Express in XX/XX/XXXX. It was agreed that I would receive an available balance of {$5000.00} and I would repay at least the minimum payment on time. I did not activate this card until the spring of XX/XX/XXXX. I registered online and everything was fine. I began using the card in XX/XX/XXXX. My wife 's brother was XXXX XXXX and we went to Alabama to see him one more time. We had spent close to {$2000.00} and I went online after we returned to make sure we did n't exceed 33 % of available balance so we did n't affect our credit. We had n't so I made a payment of {$100.00} which was much more than the minimum payment. We are going to Oregon in XXXX and were going to use the card for that trip. I logged into my account to check the balance and to my surprise American Express had lowered my available balance from {$5000.00} to {$2000.00}. Because of their actions my credit will take a hit next reporting period and I do n't have the available funds for our trip. I have done nothing to cause this to happen. I 've never been late on a payment, matter of fact there 's only been one payment due and I payed more than what was due! I thought an agreement was an agreement. Binding on both parties not just one. I want American Express to restore my available balance back to the  agreed to amount. What they have done is at least incredibly poor business practice if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.

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 2017-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have had this HELOC for many years. I have NEVER been late. My payments are set up in my billpay service as automatic payments. On XXXX XXXX, when I returned to my home after evacuating from Hurricane Irma, there was a letter in my mailbox informing me that they have a obligation under federal law to inform me that they reported me late to the credit bureau 's. I was shocked, not knowing why? The next envelope I opened indicated I had a balance due of {$4.00} and it was late. This was the FIRST notification that anything was wrong.

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 2017-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Last summer, XXXX XXXX XXXX, I went to the Bank Of America ( XXXX XXXX, XXXX CA ) and sent ( intern transfer ) XXXX U.S Dollars, that was still left in my account, to my Account in my country ( XXXX, XXXX XXXX XXXX ) before closing the U.S account and go back to my country. However it never got to me. So i have tried several international calls to tell them about the situation from XXXX and they ( Bank of America ) told me that my money was still there ( they did n't send it ) so they wiki send them again, but again it never came. 

So i asked the XXXX agency to take a look about this situation and they have found out that they have mistaken the RECIPIENT 's name on the form, so that is why the money can not go through the international transfer. Apparantly, according to the XXXX XXXX XXXX, the money is still there in the money 'pool ' of Bank of America , which every Bank has to keep the unknown money. 

I have tried to contact Bank of america afterwards as week but they keep on asking me my account number but i do n't have them because i have closed it before leaving the country. 

Please help, Best, 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 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I was making payments and then my account was sold to another company and I was not forwarded any information on where to send the other payments to. This has now resulted in them trying to garnish my wages. I barely make any money now and have XXXX kids that I am responsible for. I feel like this is unfair because I literally have tried to contact someone to try and set up payment arrangements but every time they just say, we do n't own the account anymore and give me a new number and contact, just for them to say the same thing. It is really unfortunate and the fact that I took out student loans to help for college feels like the worst mistake I ever made. I feel like a prisoner. I am scared. My private student loans are with national collegiate student trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
For 2 1/2 years , OCWEN has put my mortgage payments in different accounts, and then says I have n't paid. Starts giving me late charges and dings my credit. The latest issue, OCWEN has suspended 2 payments. OCWEN has cashed my payments but did n't apply them to my account. I have spent hours going over this issue with different representatives. Each time, said representative sees my payments and says they will get back to me, to no avail. I am paid in full, OCWEN has cashed all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX of 2017, Equifax had a security breach that has put my personal data, as well as the data of millions of Americans, at risk. In addition, prior to making the data breach known to the public, several executive leaders of the aforementioned company sold millions of dollars in company shares, which is the textbook definition of insider trading.

Company response to consumer: Closed with explanation