vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since the end of XXXX I have been getting harrassing phone calls from collections agencies.Needless to say I have an account that seems to be with three different credit collection agencies. YES!!! I tried calling the original debtor to resolve the matter. They had deemed it a write off. So a five year old debt is with 3 different collection agencies and all three appear on my credit report and I can not seem to get it off. 

However this one company started calling me and leaving messages stating they worked for the courts and were coming to arrest me. What they didn't know is I am of low level law enforcement and told them to stop calling me or I would take legal action. This strategy stopped and then they called introducing themselves correctly but they would call me at my work and on my cellphone three to four times a day. This one particular day in XX/XX/XXXX I received a call at my work where the woman stated she had an important call for me and with my permission she would transfer the call. I accepted the call, a woman came on the phone stating she was attempting to collect a debt. I asked what company she was with and after receiving the name of one of the collection agencies I told her to stop calling me. She hung up the phone abruptly and then my cellphone started ringing immediately after that, I picked up and the same woman from the same collection agency that I just told to stop calling me was on the my cellphone!! She stated " Can I call you on this phone number? '' and immediately hung up. 
I was furious, the nerve. So I sign up with a credit repair company and had them send cease desist letters to all these collection agencies. All but one stopped calling me and its the same rude agency that keeps calling me. Even thou they call once a week they still call use different phone numbers. After realizing the cease and desist letters were not working I decided after I received a call at my job again to ask for a supervisor. I was hung up on five times. When I did reach a supervisor He told me they would NOT stop calling me. He confirmed they received my letter but would not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am deeply concerned about XXXX XXXX and Bank of America trying to coerce legally operated businesses to change their business model and services to support the recent attacks on the 2md Amendment. Specifically, as long as the businesses in question are performing in a legal fashion, their lending and credit policies should apply equally to all businesses and not single out a specific class like firearm, ammunition, and accessory manufacturers. This attack on a specific class oon business is unacceptable.

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 2018-05-02 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: VA

Complaint narrative:
A XXXX Card card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX  Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting 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 2018-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my XXXX student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: VA

Complaint narrative:
A XXXX XXXX card has been a part of my Chapter XXXX bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting 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 explanation
Consumer complaint received 2018-05-02 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: VA

Complaint narrative:
A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: ME

Complaint narrative:
I keep getting my father 's credit report -- he passed away last XXXX -- we had the same name -- I sent them a letter with a copy of his death certificate and asked them to straighten this out -- it appears they won't do anything without my ss # -- I'm not comfortable giving that out especially to a company that is so inadequate -- also I have tried by phone to get this taken care, I get nothing but the runaround

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 2018-05-02 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: ME

Complaint narrative:
On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. 

When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! 

I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. 

I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. 

OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. 

I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. 

I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. 

I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. 

I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I received a notice from XXXX XXXXS, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: FL

Complaint narrative:
On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.

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 2018-05-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.

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 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine  years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC
State: OK

Complaint narrative:
FMR ( Forward Movement Recovery ) is contacting MY family, instead of me for who knows what? And providing information about me to my mother and father. This is against the law and privacy, sharing my personal information with others when i am NO MINOR. 

They have called form a XXXX and XXXX They have not attempted to call MY phone ( XXXX ) which is still a valid number, this is harassment unless they give me a valid reason WHY they have contacted others other than myself to request information or give information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My current credit report reflects two XXXX XXXX XXXX Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts XXXX Loan 1- Closed XX/XX/09 for {$10000.00} XXXX Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.

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 2018-05-02 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: VA

Complaint narrative:
My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.

Company response to consumer: Closed with explanation