vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I responded to an American Express account opening bonus offer, wherein I was offered XXXX bonus points if I spent {$2000.00} on the credit card in first 3 months. I applied and was approved for this card in late XX/XX/2018. 
I spent more than {$2000.00} on the card by XX/XX/18. I contacted customer care via online chat on XX/XX/18, who confirmed that I had completed the requirements for the bonus, and that the bonus will be credited in 6-8 weeks after the requirements were completed. I contacted them again on XX/XX/18 as the bonus was never credited. I was then told that although I had completed the requirements, the system was not recognizing all the charges for some reason, and that they will have to conduct an investigation which may take 3 months. 
It has now been 3 months since fulfilling all the requirements for the bonus, and now I will need to wait another 3 months for this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 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: NC

Complaint narrative:
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them 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 2018-09-12 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: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX  years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The case no # XXXX-XXXX, I was not happy how things were handled with this case. It is amazing how one company can't call another to correct a billing problem.

The customer has to suffer and have headaches and have stomach problems. Best Buys and Citi Bank and XXXX XXXX can make a easy phone call to one another. When the customer has to get up and drive to the store and find some one to help her out and get this in writing on her own and spend money for a fax. I feel this is a tactic to keeping getting money from the customer. Yet, it was solved by me the customer, I doubt if I ever use geek squad or Best Buy again. Citi Bank I feel also play games.

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 2018-09-12 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: TX

Complaint narrative:
I have tried calling in to Experian since I am a member of their service daily credit score and they will not let me dispute inquiries that I was not aware of. XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX  XXXX on XX/XX/2018 and XXXX on XX/XX/2018. I would like to Dispute these inquiries. I was not aware of these inquiries, or when they were submitted but on your Disputes page it doesn't allow me to dispute these. Please do not touch any of my Accounts, I am disputing the Inquiries only. I have already talked with these companies, and notified them. None of my accounts that are showing currently are incorrect at this time. ONLY the inquiries. 

Please dispute these inquiries! Thank you for your help.

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 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control
State: CO

Complaint narrative:
I had medical collections from XX/XX/2015 that were paid and removed from my credit report a year ago and now they are attempting to collect the debt again as well as interest. I have tried resolving it with them to no avail. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This account was billed to a former roommate with my last name provided Amex with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Innovis
State: NC

Complaint narrative:
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX  on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Nelnet, Inc.
State: OR

Complaint narrative:
There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: CA

Complaint narrative:
This account was billed to a former roommate with my last name provided XXXX with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.

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 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan servicing company received my loan in XX/XX/XXXX from the seller of my loan. The new company is XXXX servicing being serviced by Loancare, A service link Company, XXXX XXXX. On XX/XX/XXXX My homeowners insurance was canceled due to nonpayment. I spoke with Loan care on XX/XX/XXXX and they advised they did not get an invoice from the insurance company and therefore did not make a payment, but they refunded me money because my escrows were overpaid. When I spoke with Loancare they advised they would send the payment in that week. XX/XX/XXXX I received a letter from Loancare wanting proof of homeowners insurance. Weird because they paid my insurance. No not weird they never paid my homeowners insurance that was being escrowed. When I called in they advised I never notified them who the insurance company was so this was my fault. The information was with the mortgage company that sold the mortgage to them, I would think that all necessary information would transfer over to the new company. Per Loancare the information does not transfer over and it is the homeowners responsibility to be burdened with this matter. I demanded to speak with a supervisor or manager and they said I would only get a call back from one in 24-48 hours. There is never a manager available to speak with at this company. After two days on the phone and quite a few hours my homeowners insurance has been cancelled for 45 days and the loan servicer has my money that was designated to make this payment from my escrow account. The worst part is this is the second time I have had to request they make this payment in the 45 days and is unacceptable that it was not done as required by contract.

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 2018-09-12 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: TN

Complaint narrative:
Payments are being misalocated. I am on a fixed rate to pay off my loans in 20 years, and somehow my loan balances are increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.

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 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call me every single day before XXXX and at night around XXXX to XXXX XXXX, they call from severa numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 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: DISCOVER BANK
State: GA

Complaint narrative:
I have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I just want to know what choices do I have as a consumer. The car loan company is Santander Consumer USA. I obtained a loan from this company for a used XXXX XXXX XXXX. The car broke down in XXXX after many financial setbacks to repair the vehicle. So I went to a dealership to trade in the vehicle. I still owed roughly 3000 dollars on the vehicle in which my note was XXXX and I paid from XXXX to XXXX. I was then put in a XXXX XXXX XXXX at XXXX. I have been paying on the vehicle since XXXX to Santander Consumer USA. According to Santander or XXXX is what I like to call them, I still owe over 9000 dollars. I just need to know what can I do. I have paid this company over 50,000 within the last eleven years and I still don't own a car. Also my maturity date in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OK

Complaint narrative:
This had been on my credit report forever the XXXX  account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: AES/PHEAA
State: SC

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Lincoln Educational Services Corporation
State: IL

Complaint narrative:
I contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all

Company response to consumer: Closed with explanation