vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: PDQ Services, Inc.
State: FL

Complaint narrative:
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have received notices that my bill was due via email. My card was then declined at a point of purchase so I check online to see status. It showed bill was not due until XX/XX/17 - however I assumed there was perhaps a past due balance. The website would not allow me to view any of my statements in order for me to verify the past due balance. As I am on " paperless '' statements - I can only access the details of my invoices online - and for a period of 1 week that was unavailable. I reached out directly to XXXX ( XXXX ). They advised me that since I had a past due balance, I could not view the details of any statement. They then advised they could snail mail me a copy but it would take 7-10 business days. They assured me no more late fees would incur- however they would not assure me that adverse action could be taken against my credit due to the lateness as I awaited the bill. As I did not want to take that chance, I paid my balance in full - not fully knowing exactly what I was paying - and closed my account. However, as a consumer I have a right to have my debts detailed.

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 monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc.
State: MS

Complaint narrative:
When I signed the paperwork to get this mortgage I was informed by the loan rep it would never be a problem to renew the interest loan. The Clear Spring was very misleading and they would not allow me to continue with an interest only and advised I would have to refinance which was not what they originally told me when signing the loan.I did receive paperwork for a modification but then they advised they would not live up to what they said they would. The company mailed me modification paperwork and would not accept it when it was sent to them as they agreed it would not be a problem to modify the loan to smaller payments or interest only. I tried several times to work things out with the finance company XXXX and Clear Spring. I signed the loan based on false information given from the finance XXXX and their employees at XXXX who worked there. When I advised them of this in several of my emails from the loan company which I do have copies of no one was concerned about the deliberate false and misleading information given. I am now in default of a loan that is more than 4 times the amount owed with no concern from the original lender who has deliberately mislead me into a loan that they knew they were never going to renew without a refinance due to personal opinion and not due to payment history. Let the record show that during the interest only period I was never late until the original lender increased the terms and refused to live up to what they advised also the finance company refused to live up to what they wrote in the paperwork sent to renew on an interest only basis. Clear Spring agreed to modify send paperwork then advised they were not going to live up to their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: GREAT LAKES
State: IL

Complaint narrative:
I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is the only bureau who continues to report fraudulent information after disputing multiple time even though I sent the original identity theft police report. They 're reporting a XXXX credit card account that was charged off. I have sent the dispute to the request of the supervisor but still no action. I 'm suffering damages due to this inaccurate listing. Contacted XXXX who stated that someone signed to pick up merchandise but it was n't my name and signature. I also told them no account should have been open because I had a fraud alert on my account at that time and that I must be called and answer security question to verify my identity. I was never contacted. This behavior is willful non compliance. It 's a small amount but I refuse to pay for something I did n't authorize and that I have no possession of the goods and services they are holding me liable for. I also disputed inquiries that were placed on my report in XXXX of this year for auto shopping. There 's no permissible purpose for these inquiries and an account for XXXX XXXX that I have no knowledge of as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: ID

Complaint narrative:
My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase from Sears and made the final payment XXXX/XXXX/XXXX, and they admit receiving it by XXXX/XXXX/XXXX. Clearly I owe a late fee, but they keep sending statements claiming the balance has increased. with no mention of a " late fee ''. I 've tried resolving this by phone and letter, but now they claim I have a {$190.00} " 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 2017-08-18 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: LoanCare, LLC
State: NJ

Complaint narrative:
Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and 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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA
State: LA

Complaint narrative:
A communication from XXXX XXXX XXXX, XXXX, ( PHEAA ) was received by this consumer, XXXX XXXX XXXX ( 15 USC 1692a 3 ) on or about XX/XX/XXXX. As described in 15 USC 1693 a 2, an account involving personal, family, and household, which means consumer, is an asset account. Why is an entity, which can be defined in 15 USC 1693 a 9 as a financial institution holding an account, directly or indirectly, belonging to a consumer, attempting to collect an alleged debt? According to the FDCPA a debt collector may not  use any false or misleading representions in an attempt to collect any alleged debt ( 15 USC 1692e 3 ; 15 USC 1692e 10 ). Continuing, threats were insinuated as described in 15 USC 1692d. This consumer is seeking actual damages pursuant to 15 USC 1692k A 1 in the amount of {$50000.00} USD. Misrepresentation and harassment are deceptive and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I applied for a checking account at a local bank and they denied me, stated chexsystems has information on their report about me that disqualifies me for a checking account. I went onto chexsystems website and requested a copy of the report about me and they mailed me a report showing that I have past checking accounts that I still owe money too, that have been charged off by the bank. I did owe them but I filed bankruptcy on the accounts over a year ago and my credit report shows a XXXX balance on the checking accounts, but chexsystems has n't updated their records to my correct information which is and has caused me a hardship because of their inaccurate reporting.

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 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.

Company response to consumer: Closed with explanation