vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
When Navient was still a part of XXXX XXXX, I was right out of college. I had taken a job in a different city and had rent and utilities to pay. When I called to discuss my options, the only one given was forbearance. Not knowing any better and not being able to afford {$700.00} a month, this is what I went with. The velocity that the interest would accrue was not disclosed. Because of this, Im now stuck. After years of struggling Ive finally found a decent job. Getting a masters is vital for advancing my career, but I just cant do that right now. I fear I will never be free of this, all because I was not properly and responsibly advised. I like many other need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Received email XXXX/XXXX/XXXX from Citibank with the offer replicated at this website : XXXX : XXXX? XXXX Offer is for 0 % interest on credit card purchases through XX/XX/XXXX as long as paid by XX/XX/XXXX. What the offer fails to disclose and will not be disclosed unless one thinks to ask, are : 1. Balances outstanding now if not paid on the current statement will be charged interest at the standard card rate ; and 2. Charges, even if not yet billed as of XXXX/XXXX/XXXX will immediately start being charged interest on XXXX XXXX if not paid off on XXXX XXXX. Hence, someone using the card after the cutoff date preceding XXXX XXXX is in for standard interest charges, a fact that is not disclosed. 

This promo is a misleading, back-door, misrepresented way to impose interest charges on unsuspecting cardholders, who are led to believe that they are being offered a benefit, encouraging use of the card. 

Citi should be required to rescind this promotion or forgive all interest charges that may accrue for anyone signing up for this underhanded program.

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 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have a collection with IC systems, dept collector for XXXX XXXX. 
It went into collections in XXXX, I received a settlement letter for a reduced amount. I contacted them to see if this amount included a credit for returned Tv boxes. This about XXXX XXXX Now they are reporting it as a new dept opened in XXXX of this year. XXXX. Since this was already on my credit report now looks like XXXX new collection. Can they re age the collection in this maner?

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 2017-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have tried to Contact Bank of America over a dozen times regarding my previous account. I never received a final bill or collection notice until they placed this on my credit report back in XXXX. I sent a check back in XXXX XXXX and paid the amount in full. I asked them to remove this from my report no response. They continue to place this on my credit report as FP ( Failed to Pay ). They will not respond via email or phone call. 
They have placed this on my account for past year and half Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Secured Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance - {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.

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 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I XXXX, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with Hurricane Irma, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
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 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from us XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until July everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
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 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.

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 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
A credit card company fraudulently charged me for " account protection '' that I refused. Then they agreed to remove the charges, but charged me late fees for the unpaid balance that I disputed and they agreed to remove. They stated that they would not report me to the credit bureaus until the issue was resolved, but the have reported me twice as delinquent and owing a balance. I have two letters from them & multiple emails, stating that I have had a XXXX balance since XXXX 2017 and they 're still reporting me as late. This has caused my score to drop by over 100 points. They keep telling me it will be corrected, but the damage is done. I have disputed this with the credit bureaus, but they tell me to go back to the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On the dates listed below, I communicated with TransUnion via Certified U.S. Mail. I requested the following actions : ( 1 ) I notifed them that an account shown on my credit report was the result of fraud. I asked that the fradulent account be investigated and removed. ( 2 ) I provided documentation showing my current and correct address requested that it be updated. Neither of these two ( 2 ) requests have been updated or corrected. This, despite, my requesting, in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent : XX/XX/XXXX. I provided copies of my Florida Driver 's License, Current Employer Pay-Stub, Credit Union Monthly Account Statement and copy of my XXXX Federal Tax Form. Lastly, on XX/XX/XXXX and on XX/XX/XXXX. I requested in writing, again, using Certified U.S. Mail and paid the XXXX ( XXXX ) dollar fee with a U.S. Postal Money - yet, the Security Freeze has not been placed on my Transunion Consumer Credit Report.

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 2017-10-07 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: Santander Consumer USA Holdings Inc.
State: SD

Complaint narrative:
I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested two months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I received from Rash Curtis & Associates account # XXXX dated XX/XX/XXXX Re XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX Hospital {$1200.00} Please note that did not receive Medical Care from XXXX XXXX XXXX XXXX. The debt is not mine and is possible identity theft. Attached are documents showing that I owe XXXX XXXX Hospital for Medical charges from XX/XX/XXXX not XX/XX/XXXX am currently on a payment plan of {$50.00} per month the account # XXXX Furthermore, attached are document showing that I received Medical Care Urgent on XX/XX/XXXX from Urgent Care in XXXX, CA totaling {$68.00} was paid in full at the time services were rendered my visa Debit Card. Please note that these charges are false in my opinion identity theft. Also, note that I am on Worker Compensation for the XXXX XXXX XXXX XXXX with XXXX XXXX claim adjuster names are XXXX XXXX XXXXXXXX XXXX ex XXXX & claim adjuster XXXX XXXX ( XXXX ) XXXX Claims # XXXX state claim # XXXX & XXXX ( please note that this injury was not registered with the state of ca because this workplace was injury was caused by a co-worker at in the Direct Sales Department named XXXX XXXX ). Also, note that XXXX XXXX attorney named XXXX XXXX XXXX of the Law Firm XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested XXXX months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.

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 2017-10-07 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: Exeter Finance, LLC.
State: SD

Complaint narrative:
I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 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: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

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 2017-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I file dispute regarding this company in XXXX XXXX and at that time Midwest Recovery was claiming I had XXXX accounts with them on or about XXXX XXXX, XXXX both were deleted from my credits reports ; now they have place another fraudulent account on my credit report. How can this company keep placing fraudulent accounts on my report? Ca n't they be STOP! I do n't know who this company is and who they so call represent. This is not my bill or my debt. PLEASE HELP ME AND STOP WITH THIS CRAZINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also

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 2017-10-07 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

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