vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Mountain Capital, LLC
State: NJ

Complaint narrative:
I receive a loan from this company in which interest rate sent was exceeded what law allows. I have tried to payback loan but due to high rate I have been unsuccessful.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On my credit report Portfolio Recovery Associates is reporting I owe them {$740.00}. An account I guess they got from XXXX XXXX. I sent a letter asking them to verify I owe this. I was requesting a signed contract bearing my signature. I received a statement from 2012. Nothing verifying to me I owe this..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac has continued to misapply my monthly mortgage payment despite explicit instructions on how to allocate the monies. More recently they paid {$1500.00} to XXXX XXXX XXXX for my homeowner 's insurance. The premium is {$1400.00}. PennyMac 's negligence has resulted in an over payment of {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In particular this was investigated in another case # XXXX, and the Company reported that they had the right to close the account and that was the final decision.Part of my complaint was I filed with XXXX XXXX a " Credit Dispute ''.

In their letter to me dated XX/XX/XXXX in the last paragraph they state " On XX/XX/XXXX, we received your faxed credit reporting dispute regarding the account closure and your request for reinstatement. The dispute was inadvertently closed without resolution on the same day it arrived.

They make no other mention of my " Credit Dispute '' other than they " inadvertently closed my dispute without resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I ordered a copy of my Experian credit report. After noticing many inaccuracies, I wrote the company via first class mail and provided a valid copy of my Nevada identification with my complete mailing address as well as a current utility bill that beared the same address disputing ALL the inaccurate reported addresses. 

My credit report was reporting 59 addresses! I could not verify where these addresses came from and disputed them as inaccurate, outdated, unknown, not mine etc. I received a so-called updated report some time later and my report was STILL showing inaccurate addresses. I sent a follow up letter via first class mail on XX/XX/XXXX again explaining that I was NOT associated with the addresses that were reporting. Again I provided a current copy of my NV identification as well as a current utility bill. I cant understand how a person can live at 59 places at once. I have provided the necessary paperwork to verify my identity and I received a report as of XX/XX/XXXX with the same inaccurate information. 

I am not associated with any of the addresses other than the one I provided proof for.

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 2018-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft my mom husband wanted to go back to school so he used my information to get out student loans in my name he even took out a load in my name for mortgage and getting a car in my name.my credit has been a mess I am trying to get my own home.I never took anything out in my name i just want my good name back that this person has stole from 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 explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently I was scammed for buddy pass tickets for XXXX XXXX. The scammer had me use XXXX through Wells Fargo which I believed to be secure but indeed is not. The bank incorporates XXXX in their mobile app and make it seem like it's a transfer feature between people with the same bank. They make it seem secure and trackable. The bank does.not care that this is happening nor are they cooperating. I did a lot of research on the identity that the scammer used. I eventually got in touch with the real person who's identity the scammer was using. He claims it's a huge on going investigation and he gave me contact info for a Detective XXXX XXXX. The banks should not be backing XXXX. It is misleading by having it incorporated in their mobile app and they seem not to care whether I told them I was scammed. They should reverse the payment and also provide the receiving account details to the Detective.

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 2018-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an old " hard '' credit inquiry listed on my credit bureau reports that is 2 years old and needs to be deleted. It is an inquiry from XX/XX/2016

The company that is reporting the credit inquiry is Capital One Bank.

This old information is hurting my credit score and my ability to find a job, obtain a loan, or rent an apartment.

It is listed on my XXXX, XXXX, XXXX, and XXXX  credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I was sued by Wakefield and Assoc. for medical debt. They served my ex, where I didn't live any more. Upon receiving garnishment papers at my work I attempted to work out paying off the debt. Unfortunately I was unaware of where they were applying my payments, they manipulated moneys to a really old account in order to try and keep it in statute. Keep in mind I paid these people close to {$3000.00}. I tried at every turn to work with them and settle. They wouldn't settle the last debt because of a {$70.00} difference. The account is over 7 years old, they can not collect legally, and they have not attempted to. I disputed it with Credit Reporting Agencies ( XXXX, XXXX ) but Wakefield is constantly changing payment and reporting info to keep it on my report. They have reported " no payments '' on this account, changed dates, threatened legal action-out of Colorado Statute, and lied about placement of payments. These people will try anything to destroy your credit or hold you hostage, and they will refuse a settlement over {$70.00}, that is how they operate. Disgusting.

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 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX rooms ( {$1400.00} ) was book on XXXX in Washington XXXX ( i never been to XXXX ) i didn't know anything about it until i check my online account i called td bank and put in a claim i call the hotel in XXXX they told me to call booking.com i called them they told me if i could give them any info i told them i couldn't because i didn't know about the rooms being booked they gave me my money back ... then two weeks ago they took my money back out my account they said i was still using my card my card was still link to different credit cards and bills i don't even have a card now because im scared something else might happen ... this has cause me stress i have XXXX kids and bills back up i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a " hard '' credit inquiry listed on my credit bureau credit reports that is too old and needs to be deleted. 

It is fromXX/XX/2016 and the name of the company is Chase Bank. 

This credit card inquiry is hurting my credit score and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I USED FORBEARANCE AND DEFERMENT WITH LOANS FROM XXXX AND NAVIENT. I WAS OUT OF STATE WORKING AND STATEMENTS WERE GOING TO MY PERMANENT ADDRESS. THEY DID NOT USE THOSE TOOLS AND MARKED ME SERIOUSLY DELINQUENT. UPON LEARNING THIS I CONSOLIDATED AND PAID ALL EXISTING LOANS IN FULL. SOME OF THESE LOANS ARE OVER 10 YEARS OLD AND THEY REFUSE TO STOP THE NEGATIVE REPORTING, EVEN THOUGH THEY ARE PAID IN FULL AND I  HAVE NOT BEEN LATE WITH THE DEPT OF EDUCATION IN YEARS. I HAVE DISPUTED WITH CREDIT BUREAUS MULTIPLE TIMES WITH NO SUCCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They have been taking double payments out of my account and even if a payment is not due they are drafting one after telling me if it is not due we want draft and the statements say the same thing and now they have promised to repay an over payment and it has been a month and no repayment nor a note of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: CORELOGIC INC
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.

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 2018-06-13 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: Sarma
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/2017. I attempted to reach creditor and was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CO

Complaint narrative:
PAID OLD LOANS IN FULL, BUT THEY ARE STILL REPORTING NEGATIVE DESPITE BEING OVER 10+ YEARS OLD. HAVE FILED DISPUTE WITH CREDIT BUREAUS BUT WITH NO SUCCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently received my CitiBank response from an Executive Response agent who unknowingly proved CitiBank ( Sears ) company has been inaccurately reporting my payment history to all three Credit Bureaus. I will start out by indicating the companies response was detailed, professional but did not resolve the issue. I recently received my response, from the Executive response agent ( not named ). The agent clearly states my payment was not received by the due date on XX/XX/2016 ( specifically XX/XX/XXXX per the attached Bill ). In the next sentence she then immediately acknowledges a payment in full was received by Citibank from me on XX/XX/XXXX. Clearly, if a payment was received 17 days past the due date ( by Citibanks own  admission in their response ), by definition this cant be considered a 30 day late payment. Yet, for the last 2 years Citibank has been reporting that I was 30 days late in XX/XX/2016 to all 3 credit bureaus. This is clearly a mistake by Citibank, reporting a 30 day late payment for XX/XX/2016 when I was only 17 days late by there own admission. The executive went on to indicated that " The account information and payment history in your credit profile are correct and will not be changed '' ( see attached doc w/ highlighted response ). The payment history, in fact is NOT being reported correctly. I request Citbank make things right by not only removing the 30 day late notice for XX/XX/2016 but also making no further adjustments to my account or payment history. Once again by Citibank 's own records and response, I wasNOT 30 days late in XX/XX/2016 and therefore they are indeed reporting inaccurate information. All three credit bureaus show a 30 day late payment for XX/XX/2016. Citibank/Sears is in clear violation and have failed to prove that I was 30 days late in XX/XX/2016 and must update their reporting to the Credit Bureau 's. 
This is my second complaint. I am highly disappointed in how Citibank/Sears has handled this situation and their unwillingness to make the situation right even for a consumer that has multiple Citbank cards. As a result Citbank and Sears will likely loose me as a customer.

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 2018-06-13 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: Consolidated Information Services Solutions, LLC
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is from XX/XX/2016

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America onXX/XX/2017. I attempted to reach creditor and was unable to.

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 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a letter requesting verification of this debt. I received a billing statement. I am looking for a signed consumer contract saying I indeed owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is fromXX/XX/XXXX.

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.

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 2018-06-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express keeps reporting a " hard '' credit inquiry on my XXXX  credit bureau report. 

This inquiry is from XX/XX/XXXX and is too old to be listed on my credit files at XXXX.

It is definitely hurting my credit score and ability to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I appied for a {$1000.00} loan and was initially approved by XXXX XXXX. Then, at the last minute, the loan request was denied because of some policy of the XXXX concerning my academic status in the school. My contention is that the claim that my academic status is bad is fraudulent and caused by mismanagement on the part of the school teachers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent a dispute asking Convergent to verify this debt. I was looking to receive a signed consumer contract stating I indeed owe this debt. I received an old billing statement.

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 2018-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: TX

Complaint narrative:
I have written communication between myself and the company requesting that XXXX and any other company working on there behalf not contact me by phone. The first request I sent to them to stop contacting me by phone was on XX/XX/XXXX. I sent an email as well as signed delivery letter by USPS. On XX/XX/XXXX XXXX sent an email confirming receipt of my request. I have asked that all communications be in writing. They have honored my request up until yesterday. XXXX XXXX with XXXX contacted my place of employment and left a recorded message for me. I contacted the company and asked once again that they stop calling me but was told that they will not stop calling. Stated they will contact my human resources department till the so say " DEBT '' is paid in full. I've emailed the company again reminding them not to call me. This is really embarrassing. 

All I want is for them to stop calling me as I have requested in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX to verify 2 items they are currently reporting on my credit report. One acct # XXXX for {$320.00}. Another acct # XXXX for {$480.00}. I only got an update to my report saying these items are verified. I have not received anything verifying this items.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation