vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: MO

Complaint narrative:
sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
BACK IN XXXX TO XXXX I BEEN HAVE TROUBLE WITH WELLS FARGO HOME MORTGAGE SO I START SEND WELLS FARGO COPY OF 12 MONTH OF BACK STATEMENT SO WENT I SEND WELLS FARGO ONE YEAR WELLS FARG COME UP WITH SOMETHING ELSE SO SO BACK IN XXXX AND XXXX I START SEND THEM 2 PAYMENT SO IN XXXX THUR XXXX I SEND THEM 2 PAYMENT A MONTH THIS WAS XXXX AND THEN MY PAYMENT WENT FROM XXXX TO XXXX TO XXXX NOW MY PAYMENT IS XXXX SO I ASK WHY WELLS FARGO CLAIM MY TAX AND INSURANCE SO I CHECK INTO THE ASSESSOR AND MY TAX IS ONLY XXXX A YEAR IM TAX EXEMPTION AND MY INSURANCE WENT UP ONLY XXXX A YEAR MORE SO SOME THING WENT WRONG WITH WELLS FARGO SO THEN I ASK FOR AND MODIFICATION AND I WAS TURN DOWN AND I ASK WHY I WAS TOLD MY XXXX XXXX WAS NOT AND HARD SHIP I WAS DIAGNOSIS BACK IN XXXX SO I TRY MY BEST TO KEEP ON WORK AND I JUST COULD NOT GO ANY MORE WITH XXXX I WAS TO EXHAUSTED SO NOW WELLS FARGO SO NOW THE XXXX XXXX IS BACK AND WELLS FARGO SAID THIS IS NOT AND HARD SHIP SO NOW IM TAKEN XXXX AND LIKE I EXPLAIN TO WELLS FARGO I DID NOT ASK FOR THIS XXXX TO COME BACK I WONT TO BE HER FOR MY XXXX KIDS SO I SEND WELLS FARGO COPY OF MY AWARD LETTER FROM MY CHILD SUPPORT AND MY PENSION AND IT MORE ENOUGH TO GET AND MODIFICATION WELLS FARGO IS VERY XXXX I NO AT LEAST XXXX XXXX AMERICAN THAT WELLS FARGO REFUND TO GAVE AND MODIFICATION TO WELLS FARGO WAITE UNTIL U GET YOUR LOAN LOW AND START HARASSING U SO IF MY CONDITION IS NOT HARD SHIP WHAT IS IM NOT ASK TO STAY IN THE HOME FREE. AND THEN I WAS TOLD BY XXXX XXXX, XXXX WHO IS THE POINT OF CONTACT FOR WELLS FARGO SAID ON MY CREDIT REPORT I HAVE AND CARE ON IT YES I DO LIKE I EXPLAIN TO XXXX XXXX XXXX THAT I DONT PAY FOR THIS CAR I TOLD WELLS FARGO THAT I CAN SEND THEM LEGALIZED NOTARIZE DOUCMENT

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 2018-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
The XXXX XXXX company failed to accurately process my Income Driven Repayment plan. I sent in the recertification application almost three months ahead of the deadline but they only renewed 2 out the 10 student loans that they service for me. When I tried to call back two weeks ago, the lady on the phone said that they will recertify the application and run it again. I spoke to another man today to follow up and he mentioned that I need send in a form that the first lady never mentioned about to recertify my student loan payments for the IDR. While all this is going on, the XXXX XXXX reported to the credit bureaus about changes with my student loans that caused my credit score to go down by 20points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. 
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.

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 2018-09-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been fighting with Wells Fargo Dealer Services for months to correctly apply my loan over-payments to paying down my principle balance rather than keeping any over-payments as offsets for future monthly payments. I was told that each time I over-payed I would have to call into customer service to get the over-payment " reissued '' and applied directly to principle. I accepted it because I am tired of arguing with them. I was told " this is policy and we are not going to make changes to your account. '' Fine ... 

So I paid {$1400.00} in XX/XX/2018, which is {$1000.00} over my monthly payment. I did this so i wouldn't have to worry about paying my loan for the next 2 months. They had a note saying that i did not owe again until the beginning on XXXX as the remaining {$1000.00} would be applied to my XXXX and XXXX payments due. Nothing new. So i didn't worry about paying the amount owed at the beginning of XXXX because they said in my XXXX payment statement balance that the over-payment would be applied to future months owed ( XXXX and XXXX ). 

So I checked on it today XX/XX/18 and they reversed my XXXX over-payment and applied it to principle ( seriously, after saying it was not policy ) without my authorization or approval and are now saying that I am past due on my  XXXX payment. 

They are the biggest group of liars and thieves. Seriously, they should all be brought up on criminal charges. So now my credit was hit AND I have late charges. I'm going to pay the " overdue '' XXXX balance tonight but this is getting ridiculous. Regardless of what I do I can not win with these unscrupulous people.

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 2018-09-26 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I'm not an expert on this and sorry for my english or the way i write. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 -30/60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-09-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/XXXX : Message online via transaction paypal for concert tickets XX/XX/XXXX : Sent XXXX $ to XXXX XXXX on paypal for tickets, fraud-never sent tickets XX/XX/XXXX : Called paypal, stated since it was friends and family transaction they could not refund-told me to call XXXX XXXX ( who I bank with ) XX/XX/XXXX : Called XXXX immediately, stated they could not dispute claim until money actually left my account. Guaranteed I would dispute and be reimbursed. 
XX/XX/XXXX : Dispute form completed, XX/XX/XXXX : Bank stated I can not be refunded since I did not use my debit card ( my checking account is hooked up to paypal-only have a debit card linked to this checking account previously hooked up ) Bank and paypal keep kicking the ball back and forth and I am not being refunded, but worse this fraudulent individual is probably still getting away with this with other innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/2017 from TD Bank N.A. repoted 2 inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX in the amount of {$1300.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: NJ

Complaint narrative:
On XX/XX/2017 XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my Transunion 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 2018-09-26 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:
Last month I checked my statement it said the amount due was {$700.00}. I made a payment and then the next day I logged in and the amount was different from the statement. I made a payment but it said I still had a balance of {$150.00}. This company has been an absolute nightmare to deal with. Constantly adding fees with no explanation. I am a XXXX veteran who is currently out of work on leave without pay because my XXXX  for which I am rated XXXX % XXXX has been aggravatwd and I am in XXXX. These fees are getting ridiculous. I dont know why they keep adding them but at this time I can not afford to be throwing money away to unknown fees. I have tried to change the address on my account numerous times and they still have my old address which cause issues with payment because they put the payments through with the old address causing the payment to be returned resulting in additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Persolve, LLC - Legal - Series 2
State: MO

Complaint narrative:
XX/XX/XXXX ( {$270.00} ) ( {$99.00} ) ( {$100.00} ), XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX ( {$1500.00} ) HIPPA Violation : XXXX XXXX XXXX did not provide me with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX.

Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}.

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments.

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018.

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sterling Credit Corp.
State: AZ

Complaint narrative:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Northwood Asset Management Group
State: ID

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I received a threatening message and voicemail from XXXX XXXX from the company Northwood asset management group in XXXX New York from phone # XXXX. The message also left the return number of XXXX reference number XXXX. This message included a family member and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CO

Complaint narrative:
I tried to contact the company to dispute the debt on my credit report. But it wouldn't allow me. Kept showing error, On my XXXX, XX/XX/XXXX, {$91.00}, XXXX XXXX. XXXX XXXX XXXX. This is not my debt. And I haven't been to emergency since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting XXXX XXXX they were no help I just want it removed from my history because it wasnt my 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