vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I made the last payment in XXXX then I received a statement that my account was in suspense at that point I called Fay Servicing to ask what that meant. They told me that I owed an additional {$5.00} which had to be wired to them and I was given the address XXXX XXXX Bank the aba number and the account number. I did as instructed waited four days then contacted Fay Servicing to verify that they received the money and what was the next step. I was not able to speak to my loan officer by the name of XXXX XXXX have left several messages for her and have not received and response I have been told that there is still {$73.00} in suspense and no one I have talked to can tell me how to get it payed on my account and my account closed. 
I have also asked to speak to her XXXX XXXX XXXX and received any call back. I was also told to e mail both of then which I have also done and have no reply. I don't know what more I can do to get my account closed. I now feel like a XXXX to this company. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made an appointment at XXXX for myself and another person. The contract is with me directly and XXXX charged me for both cancellations. As you can see, I was debited 6 times and charged twice for services not received. I agree to pay my cancellation however I'm not responsible for other persons payment. I have tried to dispute this with the merchant and bank of America and getting nowhere. I want my {$69.00} back. 

THIS IS A CONSUMER TRANSACTION

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 2019-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I applied for one of the two loans from XXXX XXXX for my daughter 's college tuition. In the beginning when I inquired about different aspects of the loan, before signing any document, I made several phone calls, and realized that the interest rate changed throughout the day which I thought was only for international currency exchanges. I also asked at least twice if I paid more than the monthly amount due, that the additional money would be used to pay down the principle and at least twice I was told yes. 

On XX/XX/XXXX, I called XXXX XXXX because I realized that the extra money I had sent in was not being applied to the principle of the one loan. After being kept on hold 10-15 minutes the person came back and said that the money had been put aside for future payments. I asked to speak to a supervisor more than once and I was never able to speak to one. I was told that " the supervisor would allow the money to be paid towards the principle of the one loan this time, but it could not be done in the future. '' I thought that this may be considered predatory lending with the amount of the interest, the misrepresentation of facts, and the inability to speak to a supervisor as if I was being put off and felt as if the company was involved in a scheme. This has affected credit reports for both myself and my daughter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I went through court ordered mediation in XX/XX/2013 with PennyMac. They approved the refinance but illegally added over {$6000.00} dollars in legal fees and sold off my account to XXXX. This has increased my monthly payments and the low finance rate they promised. This has affected the total amount owed and made my debt to income rate artificially higher. I want to request that a qualified written request be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I bought the card at XXXX it wouldnt work, I went back to XXXX they called american express/XXXX XXXX spoke with someone there gave them the number of the card and gave them the las 4 of my social security, my mail. said there was {$500.00} 0n the card.I left went to choice wireless. When i got home i couldnt find the card. I called serve and got some stupid person on the phone couldnt help me I ask to speak to a mgr. I got a lady named XXXX. I gaver her my social security last 4 and  email address. she said their was XXXX on the card and put a block on it. She gave me a fax number to fax my XXXX reciept acopy of package the serve card came in then call back and give them a physical address beause they don't except P.O. Boxes. I called back got some guy on the phone with half.he said a new card has been made for XXXX, NV I tried to give him a physical address and he kept asking me for a pin # Which I don't have then he hung up on me. I have tried calling back and all i get is automated garbage was never able to speak to anyone.I want my money I have bills I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Equifax Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, in reference to my identity being stolen. Please reference to the following inquiry request as listed below. 

XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX  XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX  XXXX  XXXX-17 XXXX XXXX XXXX-17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have contacted Navient since XX/XX/XXXX after i obtained a XXXX 's from XXXX University and attempted to make monthly payments to pay off some of the loans, the representatives i spoke with reported i can't make payments at this time and i will have to wait until i complete school, I then spoke to a supervisor and the supervisor reported he stands behind what his representative informed me off and i can't make payments. I then moved on to get a XXXX XXXXXXXX from XXXX XXXX University after I graduated in XX/XX/XXXX, I contacted Navient 7-10 times during that month as representatives were unable to locate my loan on numerous occasions, and the two times i requested to speak to a supervisor, they steered me into forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for it. I attempted to do my research and contacted them back, the representative informed me that {$480.00} is the minimum payment allowed to make per month. I explained I am unable to pay that amount as I had just landed a job after graduating, and have a mortgage under my name along with another loan through XXXX XXXX under my father 's name that I have to repay, the representative insisted I go into forbearance. I explained that this will force me to accrue more interest, the representative reported that either I pay the {$480.00} a month or I have to make the decision to go into forbearance as those are the only options for me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am completely dissatisfied with Seterus and CFPB. At XXXX years old why do I need to keep repeating the issue. Let me put this in the best layman terms for both of you organizations. 
I HAVE PAID MY TAXES AND INSURANCE ALWAYS. DURING MY DELINQUENCY SETERUS ALSO ADVANCED TAXES AND INSURANCE. THERE IS DOUBLE PAYMENT FOR THE PAST AT LEAST 2 YEARS IF NOT MORE AND THERE HAS NOT BEEN ANY RESOLUTION. NOW THEY ARE AGAIN THREATENING FORECLOSURE EVEN THOUGH THEY ADMIT NOT SENDING A BILLING STATEMENT UNTIL LATE XX/XX/2018 WHEN APPARENTLY THE LOAN WAS ALREADY 2 PAYMENTS BEHIND. ONCE AGAIN AT XXXX I'M NOT GOING TO REMEMBER EVERYTHING AND SETERUS IS ABSOLUTELY NON-COOPERATIVE. TAXES AND INSURNACE HAVE NEVER BEEN RESEARCHED PROPERLY BY THE SERVICER AS THEY WANT TO JUST MOVE YOU AROUND FROM ONE DEPARTMENT TO ANOTHER. AT XXXX I DESERVE THAT THIS COMPLAINT BE FULLY RESPONDED AND RESEARCHED ABOUT ALL THE DOUBLE PAYMENTS, THAT INCLUDES YOU CFPB AS WELL. WHAT'S YOUR PURPOSE OTHER THAN TO SAY COMPAINT CLOSED BUT NOT EVEN DELIBERATED BY YOU WITH THE SERVICER. I DONT WANT TO GO INTO FORECLOSURE I WANT RESOLUTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiry request as listed below.

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 2019-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: VA

Complaint narrative:
I have told XXXX XXXX before that what ever information they have that causes them to try amd collect payments a few months early is wrong yet they refuse to fix the issue. I will not make payments a few months early, I owe for XXXX of 2018 and if they want me to pay, they will remove how ever many payments and late fees that did not start in XXXX of 2018 then send me a bill in the mail. Also, I re-entered school part-time this week so according to the law, my loan should be in deferment. The school I am taking classes at is XXXX XXXX College.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
Hello, I received a promotion for a 18 month zero percent for balance transfers from USAA, the fee was {$200.00}. I transferred my balance on XX/XX/XXXX and then I started seeing {$300.00} dollar interest charges at the end of the month. I called to inquire and they stated the promotion on my card had expired on XX/XX/XXXX ( the day before I called ), but there was a promotion for another card that I was approved for and was on my account when I called, but I had to specifically specify that I wanted to transfer the balance to this other card. They reviewed my call and acknowledged I did discuss the 0 % promotion with the representative, but since the rep stated a disclosure, I had no recourse. So, I was charged {$200.00} for a transfer fee, then 17.9 % interest compounded over 50 days, with no recourse, refunds or anything. I was completely scammed! I then asked why was the transfer then put under a " cash advance '' that had no repayment grace period, but rather a daily interest referral, and I was told this was customary. I asked for a refund and they refused. I saw this has happened to quite a few people when I researched USAA online. I was saddened that this was USAA of all companies, no integrity or honor, both of which the service taught me! They may be within legal parameters, but what they did was immoral and unethical. I lost over {$700.00} to their scam, around the holidays no less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Limit was lowered from {$4300.00} to {$100.00} on my XXXX XXXX XXXX XXXX credit card, serviced through XXXX XXXX. I checked all the credit bureaus and have had no nee changes or negative impacts. I have had account 12 years and never an issue. They have hurt my credit severely. I have talked to 6 people over two weeks amd they have made no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This current complaint stems from my previously filed complaint ( XXXX ). My issue originally was merely that I wanted to know the full account number of a XXXX ( for which I apparently am an authorized user ) that was being reported on my Equifax credit report ( I specifically advised Equifax that I was not filing a " dispute '' ). Now, after receiving a response from Equifax to my original complaint and having spoken with their representatives directly, the issue of trying to obtain the full account number of the XXXX remains, but now also that Equifax sought to have XXXX stop reporting the card information on my credit report, despite my specifically plea that they not do so. All begins with my learning some months ago that I am an authorized user on a XXXX ( which has been open for 20 years ).  Wanting to learn with whom I am sharing credit, I first contacted XXXX   directly. However they were unable to locate an account using my social security number or other various forms of identification. They told me they could look up the information in their system if I could provide them with the full account number. I then contacted Equifax to obtain the full XXXX account number and specifically stated that I was NOT disputing the reporting of the XXXX  on my credit report. Rather than providing this information to me ( or telling me they were prohibited by law from doing so ), they apparently contacted XXXX on the basis that I was disputing the reporting, and so reporting of the card was stopped in XX/XX/XXXX, which has lowered my credit rating. In their response to my original CFPB complaint Equifax advised that XXXX XXXX is currently not reporting on the Equifax credit file. If you feel this account should be added to your Equifax credit file please contact the creditor and request to have the account information reported to the credit file. '' Of course because I do not know the FULL account number, I can not request the XXXX do this. I feel like I am in some sort of seventh circle of XXXX with this issue. On XX/XX/XXXX I contacted Equifax at the number provided in their response to my complaint and spoke with XXXX XXXX, then XXXX, and lastly XXXX. I was told ( 1 ) that Equifax is not allowed, pursuant to federal law, to provide me with the full account number due to security purposes, and ( 2 ) Equifax no longer has information about the account because it is no longer reporting on my credit report. I was advised that the only entity that can provide me with the full account number is XXXX. XXXX told me that there was no one at Equifax who could cite me the specific federal act or statute that prohibits them from providing a credit holder with their own complete account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: VA

Complaint narrative:
Great Lakes has my repay date wrong and it needs to be fixed. They tried to collect before the 6 month period was up and reported it on my credit. I have told them before that what ever info they have that caused this was wrong but it obviously was not updated. Also, as of this week I am a part-time student at XXXX XXXX XXXX so that needs to be updated and any further payments defered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are two unrecognized inquiries on my TransUnion credit report, both from the same company. 

XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX ( XXXX ) XXXX on XX/XX/2019 and XX/XX/2019 I called the number and I got the runaround.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XXXX ) In the year of XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX. XXXX   XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of  final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA 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