vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC
State: AZ

Complaint narrative:
Hello, My Name is XXXX XXXX, i am currently XXXX years old, I have retired. I have a student loan that i cant repay. I filed For bankruptcy around XXXX and tried to stop the debt collector, but found that that is impossible. 

I have lost everything when the market crashed in XXXX, and had since been permanently XXXX due to a XXXX. I live with my kids, I no longer work and only live off my SS RETIREMENT. I cant seem to stop the penalties and interest on a student loan that took out for my child in XXXX. The school has closed, ran with the money and never was able to offer a degree. We are not the only ones affected by XXXX COLLEGE which we are very disappointed. The Loan was with XXXX XXXX and has been moved to XXXX. I no longer have any information. 

I dont have any ability to earn money and cant afford payments.

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 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: NE

Complaint narrative:
There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.

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 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI

Complaint narrative:
n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.

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 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: UT

Complaint narrative:
I had paid off my credit card in XXXX of 2016. 
In XX/XX/2016 someone broke into my truck and stole checks and Wrote 3 checks against my account. 
There was no money in the account. 
The checks totaled approx {$8000.00}. 
That approx amount then went back on the credit card due to insufficient Funds in the checking account. 
Copy 's of the police report and all requested paperwork was completed ON TIME.

4 additional copies of police reports were filed because they kept misplacing them. Additional paperwork was also filled out.

USBank has harassed me incessantly saying I owe money for paid off Charges. ALL CHARGES WERE PAID OFF!!!!!

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 2018-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: MA

Complaint narrative:
This is the 5th attempt to contact Experian, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and Im starting to become emotionally stressed by the fact that Experian isnt reasonably investigating and fixing this matter.

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. Please delete this misleading information and supply me with a corrected credit report within 30 days. If for some reason your company fails to reinvestigate, I will be compelled to file a complaint with the FTC. You have not given me a detail regarding your method of verification and you still have yet to provide me with any original documentation that verifies the accurate reporting, validity, and ownership of this account. 

I have attached a copy of my XXXX credit report in order to show that this account has been deleted. XXXX conducted a reasonable investigation and subsequently deleted the account due to it not being 100 % verifiable. For the 5th time, I am demanding that Experian do the same. 

Please note that I will be closely monitoring my credit report and fully expect this to be resolved within 30 days in compliance with the FCRA.

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 2018-02-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially. 

I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft. 

The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do. 

So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.

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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Golden Green Services LLC
State: MO

Complaint narrative:
I have been repeatedly contacted both by text, phone, and now a postcard that clearly states I owe a past due account which violates the Fair Debt Collection law Section 808. I have also told them repeatedly that an attorney is representing me in chapter XXXX bankruptcy and gave them the contact information and they refuse to contact the attorney and sent me text message telling me they dont care if I have an attorney and wont contact him or stop contacting me. The FDCPA also clearly states this is a direct violation of the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX  XXXX, removed XX/XX/XXXX Acct. XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX Acct XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: FL

Complaint narrative:
XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

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 2018-02-22 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: FL

Complaint narrative:
XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

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 2018-02-22 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
My prior student loan provider was XXXX. I had an amazing loan rate. Unfortunately, my student loan was sold to Navient. Immediately, I provided information for automatic payments from my bank account ( XXXX XXXX XXXX XXXX, XXXX   ). When I was with XXXX  ( since 2003 ), I NEVER missed a payment and had automatic payments set up. Since the switch, I have talked with Navient representatives several times. They have promised their error was fixed. I have gone online and logged in to be sure my account was set up for automatic payments from XXXXXXXX XXXX. Again, each month, I receive a notice that I haven't paid and that my payment is overdue. Again, I call and confirm that everything is correct and in place. In my honest opinion, I feel like Navient is attempting for my loan to become overdue so that I have a much higher interest rate applied or I acquire fees. I have contacted Navient ( which is very hard to get ahold of someone as well ), and I feel like it is to no avail. I need Navient to set up the automatic payments as they have confirmed is already done correctly. This is starting to feel like a scam. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Diversified Consultants Inc has reported on multiple credit reports that I opened an account with them on XX/XX/2017. I have NEVER OPENED AN ACCOUNT with Diversified Consultants Inc. I have never had any contractual relationship or dealings with DCI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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 2018-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

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