vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has been horrible. I have been trying to pay my bill every month on time. I was told I could always pay the day of and it would apply immediately and my statement would reflect that. Lately they have been holing over my payment and not processing it the same day. When I called, they said it's their policy to not apply payments the day of, even though it was deducted from my bank account when we spoke on the phone and my account was immediately lowered. I would ask what time they reported statements and was told XXXX XXXX. The first month or two I didn't have an issue, but now if I pay the day of, they don't record it and last night they tried adding an interest fee I've never had. I got this card to help build my credit and I don't appreciate them not reflecting my payments in my statement. They also aren't reporting them to the credit card companies so that aggravates me. Even when I pay my bill, I get emails every few days or more saying I am over my limit or I need to make a payment. The wrong balance is usually sent to my email. I have learned to ignore them now, and I'm going to start paying a day early but not reflecting my payments on the day my money is withdrawn and my statement is credited is fraudulent. They literally go back and remove my payment and apply it to the next day. So wrong. My last two months are an example. I paid the day of my statement closing. They took out my money, told me my balance would adjust automatically and even told me my new balance after payment. My account reflected the lower balance after a payment when I would refresh the website but then when I would wake up the next morning, my payment was no longer applied to the day before and my account showed a higher balance. At midnight they must reverse it and re-apply so it shows a higher debt balance?

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 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Every year when it comes time to recertify for an IBR, Navient will give me a specific number that I have to repay. Sometimes it has to be recalculated, because my wife also has student loans to pay back, and every year, they fail to include her loans. I always send my tax statements as proof of income. Every year they manage to flub the process up. This year in particular, when recertifying, I was given a payment of {$160.00}, and then in an email, I was given a payment of {$200.00} ( XX/XX/XXXX email ) and then when I went to make my payment on Thursday, XX/XX/XXXX, the payment says {$270.00}. I called Navient, yet again that same day and was put on hold for a supervisor and was hung up on or disconnected. I called back, again, and got a supervisor on the phone, who allegedly ran the numbers and told me that was the final amount ( {$270.00} ) and they could not go any lower. I explained that this isn't feasible because of my wife 's student loans ( she has to recertify this month and she goes through the same thing each year ) and because of all of our other bills, mortgage, car payments, bills, insurances, child care, etc, and the supervisor refused to budge and would not assist me any further. This happens every single year with these people. In viewing the lawsuits against Navient, I see that this is a common practice of theirs, in refusing assistance to those who can not afford the amount they set.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
A DISPUTE WAS SENT TO UPDATE INACCURATE INFORMATION BEING REPORTED BY FINGER HUT. THEY UPDATE THE REPORT WITH MORE INACCURATE PAYMENT HISTORY. 30 DAYS LATE 1 TIME 60 DAYS LATE 1 TIME 90 DAYS 4 TIMES IN XXXX AFTER THEY SOLD THE ACCOUNT IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a email from a person name XXXX XXXX claiming to be a attorney that stated the following.. 

I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today From Mr. XXXX XXXX. The accounts department of National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 

Docket no : XXXX Case File # : XXXX Subject : Loan/Debt Recovery Case File Transferred to NCC INC. : XX/XX/XXXX Amount Owed : XXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If you still want to resolve this account then contact us at XXXX at your earliest convenience. 

I have no idea why this was sent to me ... they did list the last 4 digits of my SS # ... which concerns me ... I feel that someone from a cash advance that I applied for in the last few months have forward my info with my email address to this person who is trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: MA

Complaint narrative:
Dear CFPB, Please assist in any way you can. 

I have loans from law school with FedLoan Servicing. 

I am a former member of XXXX XXXX XXXX XXXX XXXX. Having served in this XXXX program for two years, I received the XXXX XXXX Education Award. 

I make my loan payments with this education award through an online XXXX portal. FedLoan servicing consistently applies my payments late. I fear that the late payments will damage my credit score, appear negatively on my credit report, and that some of the payments will be ineligible for Public Service Loan Forgiveness. I currently work in legal services for a nonprofit, and all my payments should be PSLF eligible. 

When I make a payment through the online XXXX portal, it lists my payment as " Pending Institution Action. '' It lists the payment in this status for weeks at a time, such that my payment to FedLoan ends up being late and not PSLF eligible. For example, FedLoan currently lists my payment due XX/XX/XXXX as late even though I created a payment request on XX/XX/XXXX. This payment has still not been applied to my balance. Today, I created a payment request for my payment due XX/XX/XXXX, and I fear that that payment will also be applied late. 

This is an ongoing issue. When I look at my ledger of payments submitted through the XXXX portal, many payments over the last 3 years are not accepted by FedLoan until close to a month after I submit the payment. 

I spoke with FedLoan about this roughly two months ago. They told me their system for dealing with this issue is admittedly imperfect because they only send requests to XXXX for the payments once every few weeks. This causes many payments to be late. I told them this is very unfair. I told them I had submitted complaints and inquiries about this issue before via FedLoan 's " Email Us '' tool on their website. When I asked for copies of all correspondence I submitted, they told me I would have to subpoena them to get it. 

Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I paid 30 % and settled with an attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I paid 30 % and settled with an attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian will not remove XXXX XXXX XXXX off my credit report. 
I have send the my police report, because the Company use my identity. 
I have put Theft Alert on my credit report. 
I have did several disputes. 
XXXX XXXX is not XXXX or XXXX credit report it was report. 
Experian Costmer Services gives me a hard time. 
The Account belongs to XXXX XXXX. 
I sent them pay history. 
Experian also send my a alert that it was remove off my credit report and its not.

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 2019-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken loans VA XXXX. 
This company has a XXXX deposit ( unlike any of the other 1000 's  of mortgage companies. The policy in itself is not inline with VA standards. VA streamlines or for the veteran NOT for some huge company to save money. I made the stupid deposit with this company on end of business Friday XX/XX/XXXX. I emailed to have my loan application withdrawn and deposit refunded on Monday XX/XX/XXXX ( less than one business day ). I told them in the email I would pay the XXXX for their credit check ( no one else charges this either ) but that there was no way an appraisal was done in less than a business day. On Friday XX/XX/XXXX Quicken sent me a notification that the appraisal was done. I sent them another email with my previous email asking for it to be withdrawn. They just keep going and attempting to charge me. I filed a dispute with my credit card company which is a XXXX and I highly doubt they will let this kind of behavior go through. However, the VA and CFPD have some level of obligation to ensure these sort of practices are not being used on Veterans ( normal people too ). I am a XXXX XXXX XXXX XXXX XXXX veteran, attempting to use a benefit while this company reaps massive amounts off of veterans. This kind of behavior should be nipped, they have plenty of complain ts regarding this same behavior. Why is the VA still certifying them to do business with us?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These address are incorrect and need to be removed from my credit report immediately.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax will not remove XXXX XXXX XXXX off my credit. 
Its paid in full. 
Its still showing open. 
They still reporting on my credit. 
They will not update. 
The Company contact me and said that it will be remove with 3 days. 
Still not remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These address are incorrect and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These address are incorrect and need to be removed from my credit report immediately.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MO

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently received a letter from CITI Bank explaining that my application for a " CitiBusiness / AAdvantage Platimun select World Mastercard account '' could not move forward due to a freeze on my credit reports. 

I never applied for this card, nor did I authorize anyone to apply for this card. I have in place a full credit reporting freeze to prevent this sort of fraud. 

On the morning of XX/XX/19 I called CITI Bank at the phone number listed in their letter to me, XXXX and was unable to proceed because I refused to give my Social Security number as a condition to move the call forward.

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 2019-10-05 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
Good Morning! 

Dates, those I am unaware of. 

Convergent Outsourcing XXXX {$290.00} I am completely unaware of this account as I have no record or documentation regarding this claim. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

And Please State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 


Thank you for your time!

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 2019-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I received a notification from XXXX XXXX to alert me that something negative had been added to my credit bureau through XXXX. When I read the details, a company called Professional Recovery Consultants are trying to collect on a medical debt that I have no knowledge of and wasn't given notice of the debt nor the right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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 — Overcharged for something you did purchase with the card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Credit Card Purchased some coffee & breakfast at XXXX on XX/XX/19. The breakfast supposed to include eggs with steak & bacon. There was a very small amount of steak ( no a small portion, it was like 2 pieces of " square piece of meat ) and no bacon. 
It appeared i received some other persons order. 
I contacted XXXX by email the same day, and other then the standard we have received your email reply, i have not had any further contact with anyone from XXXX. 

On XX/XX/19 i tried to dispute part of my order with my credit card company. I couldn't find an online option to dispute the charge. 
I called the credit card company, and was told i have to work it out with the merchant. 

I directly ask the rep, if all a merchant has to do i to ignore my emails or calls, and they'll get away with charging me for something i did not get, and the reps reply was " Yes ''. 
Where is the protection for customers?

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I did a Pre approval at XXXX XXXX, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out XXXX XXXX gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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