vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.

I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.

TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX  SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX   AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.

I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
My mortgage was with a company called XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX my mortgage was transferred to Freedom Mortgage. Sometime in XXXX Freedom Mortgage informed me that I now needed to buy hurricane insurance, which was not required before. I called them and they convinced me that I had no choice in the matter. I immediately called my insurance agent and she immediately added the required hurricane insurance. Today I received a letter dated XX/XX/XXXX telling me that they received the updated wind coverage, but they are going to charge me for wind coverage from XX/XX/XXXX to XXXX/XXXX/XXXX if I don't buy or prove coverage for that time frame. It is now XX/XX/XXXX. I should not have to pay for coverage for a time that has already passed. Nobody needs coverage for the past. They are going to charge me almost {$150.00} for something that can never be used. This is not right. They have already caused me an additional {$1000.00} a year and now they are just trying to rip me off. Please help! 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 2018-03-13 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I HAVE SENT XXXX EVERYTHING REQUIRED BY THE FCRA AND THE ONLY THING THAT THEY CAN DO RE DISPUTE THE ERROR THAT THEY REPORT ON YOUR CREDIT EVEN AFTER FOLLOWING ALL THE STEP 'S AND GUIDELINES PUT IN PLACE BY THE FCRA. I WAS TOLD THAT AMERICAN HONDA ACCOUNT NUMBER # XXXX WOULD BE REMOVE WITHIN 48 HOURS HERE WE ARE 10 WEEKS LATER AND THEY OFFER TO RE DISPUTE THIS UNLAWFUL REPORTING EVEN AFTER THEY HAVE REVIEWED ALL THE DOCUMENTS SENT IN TO THEM. IM AFRAID TO EVEN GIVE MY PERSONAL INFORMATION TO XXXX DO TO THE FACT THEY OUTSOURCE THERE FRAUD CLAIMS OF ALL THINGS TO A 3 WORLD COUNTRY THAT U.S. LAW 'S AND GUIDE LINES DO NOT APPLY..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed Experian, XXXX and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.

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 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX ( consumer ) against Maximum Title Loans , LLC ( lender ) for Maximum Title Loans unfair, unethical, and illegal collection practices. As detailed below, Maximum has used threats and intimidation as part of its debt collection efforts against XXXX XXXX sending an agent to his home at night to intimidate his family. 
In XX/XX/XXXX, XXXX XXXX entered into what was purported to be a two year title loan agreement with Maximum Title Loans , LLC. As collateral for this loan, XXXX XXXX used two vehicles ( Vehicle 1, XX/XX/XXXX XXXX XXXX and Vehicle 2, XX/XX/XXXX XXXX XXXX ). Over the course of the next two years, XXXX XXXX paid back {$27000.00} on the {$13000.00} loan. 
Dispute arose regarding whether there was still an outstanding balance at the end of the two year repayment period. This eventually resulted in a lawsuit from Maximum Title against XXXX XXXX ( XXXX ). During a hearing, when the judge was not in the courtroom, the representative from Maximum Title, XXXX XXXX, made threatening remarks to XXXX XXXX. When the judge returned to the courtroom, XXXX XXXX told the judge that he was being threatened, and the judge revealed that the courtroom was being recorded and played back the audio recording. This revealed the recorded threats, leading to an argument between the judge and XXXX in which he accused the judge of being biased. As a response, the judge transferred the case to be heard by a different judge. 
Sometime after the initial filing, Maximum repossessed Vehicle 1.  On XX/XX/XXXX, Vehicle 2 was shockingly repossessed out of the court parking lot while the parties met for mediation. Vehicle 2 contained clients XXXX medication, wallet, and work keys. 
That same day, XXXX XXXX obtained an emergency order from the court, ordering the return of both vehicles. Maximum Title stated that it would return the wallet, keys, and medication by having it delivered to XXXX XXXX, but would not return the vehicles. 
That night at XXXX, Maximum Title sent the angry, yelling, menacing tow truck drive to XXXX XXXX home address. The driver, in an interaction with XXXX XXXX wife, made accusations and refused to return the vehicles or XXXX XXXX possessions. The clients were so intimidated and frightened by this interaction that they filed for and were granted an injunction against harassment against Maximum Title representative XXXX XXXX the next day ( XXXX ). 
On XX/XX/XXXX, armed with an order from the court and police escort, XXXX XXXX was able to locate and recover Vehicle 2 from the tow truck drivers impound lot. Despite the XX/XX/XXXX court order, Maximum Title has not returned Vehicle 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Coastal Credit, LLC
State: NV

Complaint narrative:
In 2007, I had a car loan with Coastal Credit LLC, for a minivan. The van was a Lemmon ever since it was purchased, the 2nd day we had it the front breaks fell off while driving with my children in the vehicle. Finally we had enough and told Coastal Credit to come pick it up. They took the van and sold it. We received a phone call from a very rude representative saying the van was sold and it was charged off and taken as a company loss because they were not making a profit on it. We never heard from them again until I get a court judgement in the mail today for {$40000.00} which before they took the van, is more than the loan was for, much more. So, we don't hear anything from them for 11 years, and then we get court documents, 11 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CA

Complaint narrative:
I sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i keep asking to have the wrong address removed from my report which is not even spelled correctly and is a XXXX XXXX and not a home address and they continue to update it or put a new XXXX XXXX address similar to the one i continuously ask to be removed. 

which is : XXXX XXXX XXXX XXXX, XXXX XXXX NY and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX none of these addresses are mine. i dont understand why transunion will not remove

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 2018-03-13 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: MS

Complaint narrative:
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company XXXX XXXX was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted proof that the debt in question was paid in full and balance in {$0.00}. They are still refusing to remove false or paid debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update inXX/XX/XXXX. In those complaints I informed XXXX, XXXX and TransUnion of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX XXXX XXXX  Mi. XXXX  '' was incorrect and it has been removed. But XXXX XXXX XXXX Address continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.

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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed XXXX, Equifax and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: PREFERRED CREDIT INC
State: LA

Complaint narrative:
It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I purchased a XXXX XXXX back in XX/XX/XXXX in the month of XX/XX/XXXX. I fell behind on my payments due to Santander 's predatory interest rate and fees. Santander sent me a letter asking for $ XXXX in XXXX I contacted them and offer them $ XXXX they did not accept my offer. They charged off the loan in XX/XX/XXXX now two later they sold it to a junk debt buyer who is now riding by my house shining lights in mu window. Santander has wrote this off a loss of income how do they sell a debt they claimed a tax deduction for and a tax break. They got their money for the car and a lot more. I received no re-assignment of debt or proof that the guy driving around my house has legal proof to harasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company XXXX XXXX XXXX  was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.

The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX  at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.

XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX  letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Recently I spoke with a XXXX  Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.

Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX  because they had inaccurate information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, after a significant time in queue, I was in the process of being transferred from XXXX ( Supervisor ) after speaking to XXXX ID # XXXX in US Bank Visa credit card disputes department who was unable to assist me. XXXX told me my dispute to 3 of my four issues could not be handled by her department and decided I should be transferred to another department. During the transfer to the fraud department, I was disconnected. 

In keeping with their sub-par level of customer service, no one exercised common sense or courtesy to call back, apologize and make certain I received the help for which I placed the call. I was not about to subject myself to the rude, and unfriendly agents and decided to send a letter instead. I did so on XX/XX/XXXX. US Bank XXXX XXXX XXXX has not responded to my letter requesting charges I did not make nor authorize be removed from my card. 

Attached is the letter sent to XXXX XXXX XXXX at the verified proper address. 
This request for assistance is made timely. I am looking into another XXXX card provider, likely XXXX, however, I wish this matter be cleared as soon as possible. 

Alternatively, may I file a small claims action against this XXXX XXXX XXXX division of US Bank? A small claims action will require less time and give them an ample opportunity to find someone who can effectuate my request to remove unauthorized charges. Also please advise what other reasonable methods are available to resolve consumer issues with a company acting in an unprofessional, frustrating, and irresponsible manner? 

XXXX XXXX XXXX must still be trying to ascertain how many people are required to change a lightbulb at? Apparently, they dont have enough and the specific answer is still unavailable.

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 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have had private loans through Navient since 2006 because I did not qualify for federal loans due to my parents income. I went to school to be a teacher, I do not make a lot of money. Although Navient is currently working with me on lowering the interest rate, my loan amounts have doubled or more in many cases due to forbearance etc. these loans were put into forbearance when I had previously called to lower payments because I couldnt afford them. Rather than work with me, Navient deceived me and they have cost me roughly 30k in interest that I cant afford.

Company response to consumer: Closed with explanation