vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I had a debt with XXXX and i paid it. I have since incurred a duplicate amount on my credit report from a company for XXXX. I have told them that this has been paid but not had any success. Please help me to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: GA

Complaint narrative:
Back on XX/XX/19 I filed a complaint with consumer financial protection bureau about TransUnion about a freeze on my credit report the credit bureau gave a respond stating there was no freeze on my credit since that time I have applied for credit several time only to find out that there still is a freeze I called TransUnion and ask to have the freeze permanently removed they said they will take care of today I try again applying for credit and there a freeze on my credit

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 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I have been waiting approximately 4 months to get an answer back from FedLoan Servicing when I requested that they recalculate my payments dating back to XXXX. The reason I made this request was because I would be eligible for public service loan forgiveness in XXXX. I have never missed a payment and have been on a qualifying payment plan the whole time. I was told that one of the two of my loans would be eligible in XXXX and the other would not be until XXXX. They said they would go back and review my payments and I never heard back, this was 4 months ago. 

My other complaint is that I got notification XX/XX/XXXX that I no longer qualify for the Income Based payment plan and that I had to apply for the Repay as you Earn plan ( Making me still eligible for student loan forgiveness ) I did all of this, submitted my documents immediately, and gave FedLoan immediate access to my tax records. On XX/XX/XXXX I received a letter stating that for now I am on a standard payment plan ( not eligible for loan forgiveness ) until I can get on the REPAY plan. I asked how long this process would take and was told two months. I verified with the customer service rep that for two months my payments would not be applied to my loan forgives and they told me that was correct. I spoke with that persons supervisor ( ID : XXXX ) who told me the same thing. I asked, so essentially Im being penalized because it takes your company that long to process loan transfers and was told that was correct and they would try to put in an expedited request. I asked if I would be receiving verification of this request and was told to just call back. 

Consumers should not be penalized because the servicer takes two months to transfer loans therefore delaying public service loan forgiveness. I would like to know how long this has been going on with my loans throughout the 8 years Ive been paying them back. Im sure there are other consumers that dont even realize that this is happening to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always made my payment on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am contacting your office regarding American Express. An issue has arisen that would seem to be a cause for investigation of American Expresss practices that are causing customers as I, unwarranted charges. 

To explain : I am an American Express credit card holder. 
Questionable Fee and Interest Statement summary : Statement Due Date Date Mailed Date Posted Fees Interest XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$10.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$12.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} As you can see XXXX and XXXX mirror each other. 

Every other month in between XX/XX/XXXX and XX/XX/XXXX my payments have posted 2-3 days after mailing. 

The same months exactly one year apart and I am assessed late fees and interest charges. The same months exactly one year apart and it takes 14 days to post my payment, whereas it typically takes 2-3 days. This is to much of a coincidence. 

This can not be an anomaly, something is wrong. Something is happening at American Express every XXXX causing payments to be late. 

If it happened to me, it has probably happened to others as well and American Express is making a lot of money collecting late fees and interest charges across the spectrum of their customers during the timeframe mentioned above. This is not right. I have the means to pay these charges but many people may not. These late charges may also be effecting peoples credit scores and thus their financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On my XXXX  credit report Kolhs credit is showing current and they fixed my credit report but XXXX  and XXXX they did not fix the errors. This has been going on for two months going on three now. I have called kolhs, they said they will not fix it. One manager said they would. Then my experian report is fixed but my other two credit reports are not? This late payment was an error on kolhs part and they can pull every conversation with every representative. There system does not show pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I dispute this amount with LVNV funding. I dont know what that is They called me and threaten me. And hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX   saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX  and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: PA

Complaint narrative:
On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have written on multiple occasions over the past 4 months documentation reflecting this debt is mine and not another party. The name and address on file associated with this debt do not match mine. I have requested signed contracts and the company has refused to provide them. I have requested Transunion to provide any and all documentation regarding this and I have received nothing.

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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a call today XX/XX/2019 from XXXX at XXXX I answered it and I got no response or anything I hung up. I did say hello though. 
I got another call at XXXX from # XXXX XXXX XXXX and a girl answered the phone. she asked for me by my full first and last name. I said didn't you just call me from the 877 # and she said yes. I told her okay you guys call me everyday and never left a message but call and call remove me from the phone system. this is an officially cease & desist and to stop calling me so much everyday. she said I could take down the information I said no and hung up

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 2019-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is charging my XXXX XXXX credit card {$19.00} monthly for a credit report I have not ordered or received. XXXX XXXX has tried to stop it, I've tried calling Experian, never can speak with a customer representative, I've e-mailed. This has been going on for 5 months now. 

Started : XX/XX/2019 XXXX XX/XX/2019, I checked my XXXX XXXX cared Experian has charged my card on XX/XX/2019, {$19.00} for a credit report. 

XXXX XXXX has issued me 4 new cards, I've spoken with the fraud department and my card is still getting charged {$19.00} a month. 

I've canceled everything with Experian, or I've tried the system told me I don't have a membership, but my credit card is still being 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 2019-10-08 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: PA

Complaint narrative:
I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: KY

Complaint narrative:
On XX/XX/2019, I received an unsolicited prepaid mastercard ( debit ) issued by NETSPEND. I am concerned that I received this card in the first place. I did call the opt out # on the card and told them that I did not want ( nor requested this card ). When I asked how my name got into their data base I was told that " probably someplace you shopped ... gave your phone # to '' was the originator. My concern is that it is dangerous for unsuspecting consumers to receive such cards without their permission

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: MO

Complaint narrative:
XXXX  is reporting incorrectly a collection/charge-off on RISE account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from RISE and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted RISE and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation