vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XX/XX/XXXX, I contacted XXXX  about an erroneous item regarding Citibank about an unresolved dispute dating back to XX/XX/XXXX. XXXX  said I needed to contact Citibnak. I contacted my credit card provider, Citicards about the erroneous report on my XXXX  credit report showing an unresolved dispute dated XX/XX/XXXX. Citibank confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX with the appropriate details. The Citibank rep said with my letter, Citibank would send notification to XXXX  to clear the item. 6 months later, I have not had any response from Citibank and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my XXXX  report. I called Citibank today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact XXXX  and that Citibank could not be of service and completely contradicted the instructions I had received from Citibank 6 months prior. I requested a letter from Citibank confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at Citibank in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.

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 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX is charging 279.50 % Interest on my loan and over 80 % of my payments are going to with is called " CustomaryFee '' instead of interest or principle. For example, XXXX XXXX took {$270.00} out of my last biweekly paycheck and {$210.00} was charged as " CustomaryFee ''. This seems to be predatory and with such a high interest rate, I will never be able to pay this loan off. It is a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified in the month of XXXX by credit wise that my credit score dropped by 100 points due to a 60 day Capital One credit card late-payment. I currently have 2 other cards from Capital One and the payments have been consistent. When paying on-line, the convenience of viewing each of the three credit cards due dates on a single account summary page helps in keeping up with and making sure my payments remain consistent and on time, no excuse to be had. I spoke with 2 Capital One reps on XX/XX/18 at XXXX XXXX  and learned the following about their on-line payment notification system. 

First, I didnt get a grace period to pay and the email system failed to notify me when my bill was past due. I have been a loyal customer to Capital One for about 3 yrs and this is the 1st time I have been more than a few days late with a payment. 
The following month due date, for this past due card, was provided when paying the other cards through this on-line account. I did not receive notice of a past due payment when viewing th account summary on-line. 

I wasn't given a 28 day grace period, as acknowledged by Capital One ( XX/XX/18 ) and again not reflected when checking on-line as it should have been stated as a past due payment. 

When making/viewing payments for either of the three cards on-line, each card has information of the amount owed, their due dates, and the minimum payment for each on the same page visible with no excuse for late payment. The card in question did not state that is was a past due payment. The due date for each of the three cards are as follows : 1st-card ( 60-day Late-Payment Card ), 2nd-card dues  on the XXXX each month, and 3rd-card due on the XXXX each month. If I am able to pay the 2nd-card due on the XXXX on time, no past due notification was stated for the 1st-card on the XXXX, and also make a payment for the 3rd-card due by the XXXX, I am still within my 28 day grace period, there is a problem with their system. 

I was late once by one or two days last year and received a card declined notice when making purchasing, within the 60 day late payment, this card was not declined of flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am being charged {$29.00} by an Internet Hosting company called Just Host. This service was cancelled XX/XX/18, but they keep charging my card. I complained to the credit card bank Capital One and they have taken all my supporting documents but are still re-billing my credit card. I called Capital One again today and they said they did not receive any supporting documents. This is false. I uploaded all the supporting documents to a special document link they provided me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MO

Complaint narrative:
I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP
State: WI

Complaint narrative:
They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.

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 2018-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XX/XX/XXXX I setup a transfer of {$50.00} to my niece in Illinois for her birthday. For some reason, she was having issues picking up the money and let me know. I called MoneyGram for an answer. I was told the the transaction was cancelled by MoneyGram ; however, no reason was given. I've sent her money before with no issues, but for some reason that transaction was flagged, but the representative couldn't explain why. I asked for a supervisor and was told the same thing. I now have to wait 3 to 10 business days for them to send my money back to my bank account. I wanted an explanation why they took my money, cancelled the transaction and now I have to wait so long to get my money back. Neither rep could explain except to repeat that MoneyGram is an international money transfer company that reviews transactions and flags them for cancellation. I still do not know why it was cancelled as I've sent her money before, we have the same last name and it was only {$50.00}. And I really don't understand why I have to wait 3 to 10 business days for my money when it didn't take that long for them to take my money for the transfer. I am highly disappointed, frustrated and upset and will never use this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: NC

Complaint narrative:
I made a purchase of {$190.00} at XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. 

Payment was made by check in that amount by mail. The payment due date was XX/XX/XXXX. My check was processed XX/XX/XXXX. A finance charge of {$27.00} and a late interest charge of {$4.00} was assessed for a total of {$31.00}.

Payment of {$190.00} was inadvertently made again by my husband and processed on XX/XX/XXXX.

I called XXXX XXXX XXXX several times to have the charges of {$31.00} waived, and for refund of my overpayment.

A check for {$140.00} was dated XX/XX/XXXX and received by mail by me 6 weeks after the initial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, Experian, XXXX  and XXXX continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.

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 2018-06-18 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: CA

Complaint narrative:
I refer to the attached TransUnion Investigation Results File # XXXX dated XX/XX/18. California Fed Court XXXX Docket # XXXX. See attachment 01. Also enclosed is Withdrawal/ Dismissal of case. See attachment 02.

Please note you do not have the authority to report this type of information as mandated by Law. The Law is clear, a Withdrawn and/or Dismissed Bankruptcy application is not a reportable case by the Credit Bureaus.

This is my final attempt to contact you regarding this issue. I would like to put on record should you refuse to remove this Withdrawn Bankruptcy report from your Credit Reporting data you are in direct violation of the following ; 1 ) Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1.

2 ) Title 15 U.S. Code 1681i, Paragraph 5.A To protect my interest, I reserve the right to file a lawsuit against you and claim all damages you have incurred as a result of this negligence.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.

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 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.govXXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX PCC NO. XXXX, SB NO. XXXX XXXX XXXX. XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: AZ

Complaint narrative:
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, Transunion and XXXX  continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.

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 2018-06-18 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: AZ

Complaint narrative:
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, XXXX and Equifax continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: CA

Complaint narrative:
In early XX/XX/XXXX, I contacted Equifax about an erroneous item regarding XXXX about an unresolved dispute dating back to XX/XX/XXXX. Equifax said I needed to contact XXXX. I contacted my credit card provider, XXXX  about the erroneous report on my Equifax credit report showing an unresolved dispute dated XX/XX/XXXX. XXXX confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX with the appropriate details. The XXXX rep said with my letter, XXXX would send notification to Equifax to clear the item. 6 months later, I have not had any response from XXXX and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my Equifax report. I called XXXX today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact Equifax and that XXXX could not be of service and completely contradicted the instructions I had received from XXXX 6 months prior. I requested a letter from XXXX confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at XXXX in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello ; This debt was assigned to my ex-husband per our divorce court order in 2014. Toyota was notified of this assignment and his contact information was provided. Also, Toyota charged this debt off without notification of collection, and it remains on my credit report. I request that Toyota either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am a single mother of XXXX kids. I have tried lowering my student loan with Citizen Bank and they will not agree to do it. I could not make my payment for the month of XXXX and they sent it to collections without even trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Navient who was my loan XXXX. I asked Navient to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the Navient customer service rep that everything was correct. It wasn't until XX/XX/XXXX that I learned through a co-worker that my student loans had to be transferred to XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX in XX/XX/XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. XX/XX/XXXX I learned that I was in fact under the wrong repayment plan and none of my payments counted toward the 10 year PSLF program which meant that I made 4+ years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by XXXX XXXX XXXX and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Hello ; Cashcall charged this debt off without notification of collection, and it remains on my credit report. I request that Cashcall either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX 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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

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