vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I have been automatically paying a campus-based loan through the company of XXXX. Today ( XX/XX/XXXX at XXXX ) I received an email from the company ( since I am enrolled in paperless mail ), stating that as of XX/XX/XXXX they will no longer be servicing my loan and that I should have received information from my lending school or new servicer with information about my debt. I have not received anything via mail and or email. 

When I tried to log-in to XXXX, they won't let me log-in anymore, the site says " service can not be reached at this time '' and when I call them they require me to enter my social security number and date of birth, after I do, a machine responds with " we can not access your account. '' I have paid the loan with autopay since XX/XX/XXXX, and every month {$490.00} is taken out of my personal financial account ( the last payment taken out was on XX/XX/XXXX ). I do not want to have any late fees- which is why I am  eager to find out where my debt has been transferred to and who is managing it. 

I have also contacted my school ( XXXX XXXX 's University- NY ) and have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
in XX/XX/2014 ford motor called me on the 31 first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with ford ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2018 I notified Experian Credit Reporting that my credit score was lowered to XXXX due to a debt balance of XXXX due to XXXX  phone company. They investigated and fixed the problem after I had contacted the phone company and they acknowledged that I did not owe any debt to them in my name. However after correcting my score they lowered it again and I have been going back and forth with Experian with them stating that I should contact XXXX  and they keep passing the buck so to speak. I noticed that they have my name AKA as XXXX XXXX which is my deceased father 's name and the phone debt is probably his. My full Name is XXXX XXXX XXXX and that is the only name I ever use in all my business and financial transactions. This is an ongoing problem as my credit has always been good and I have never had any delinquent accounts. I would like to have my credit report corrected and the responsible companies held accountable for their mistake.

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 2018-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GENTRY FINANCE CORPORATION
State: NV

Complaint narrative:
While reviewing monitoring service noticed a fraudulent Loan was taken out under my name back in XX/XX/2013 by company Gentry Finance for total amount of {$320.00} i have googled the company and found only one number that did not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX my 401k check in the amount of $ XXXXCk # XXXX check was sent to my soon to be ex-wifes address where she took the check and sent it through Bank of America night depository account in XXXX ga. Ive contacted and done everything Ive been asked to do to get my money back and no one wants to help me at all. 7 long months I have suffered a financial hardship due to a negligent act from this bank. 
The bank has tried to tell me this is a joint account. Ive never had a bank account with Bank of America and certainly never will through all of this. 
I have waited almost 7 months trying to get my money back from this bank. I have no job and this was my source of survival. How can this bank be this negligent? How long can I expect it to twk to receive my money back?

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 2018-07-06 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: Navient Solutions, LLC.
State: RI

Complaint narrative:
Navient refuses to generate an electronic receipt upon my electronically scheduling a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ) reported to XXXX company my criminal recorded which was Dismissed on XX/XX/2013 Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: CA

Complaint narrative:
Last XX/XX/2018, I sent a letter to XXXX/XXXX   including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX/XXXX  ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX/XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My spouse passed away on XX/XX/18 after an unexpected illness. They established an executed Living Trust, Power of Attorney For All Assets and Last Will & Testament clearly indicating that I am the sole Executor of their estate. For over 1 1/2 months I have been in contact with Capital One to gain access to my legally owned accounts since they become my property immediately at the time of their death but to no avail. Pursuant to Capital One 's request, I provided a copy of the official death certificate as well as executed copies of the Living Trust, Power of Attorney and Will. However, Capital One claims they do not accept executed Living Trusts even though it is an appropriate legal document. The other 8 financial institutions I needed to deal with readily accepted all of these documents without issue. After numerous phone calls and emails, Capital One required I resubmit my " Letter of Direction '' 3 different times after requesting changes as well as requiring a notarized/executed " Affidavit For Small Estate Transfers Without Probate ''. I have been informed that my " Letter of Direction '' is now acceptable, however, they keep requesting the notarized/signed Affidavit For Small Estate Transfers Without Probate that I have sent to them on 4 separate occasions, please see attached email copies PDF. I am filing this complaint due to Capital One 's unwillingness to resolve this matter in a timely and professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in XX/XX/2014 XXXX XXXX called me on the XXXX first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with XXXX ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I payed for the debt. I asked for a certificate of deletion showing that they would remove the debt. They said they dont offer that just saying my debt was Paid. Its still effecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

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 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
In XXXX, XXXX I began employment with a XXXX XXXX 

I received a letter on XX/XX/XXXX stating that I qualify for the Public Service Loan Forgiveness Program. I was given credit for 34 past payments from my previous school district. My estimated Eligibility Date is XX/XX/XXXX. 

When I received my qualification, I phoned XXXX XXXX to confirm and get any additional information that I needed. I was told that I needed to reapply every year to keep this program current. 

On XX/XX/XXXX, I phoned the company to see if I needed to reapply at the beginning of the school year or wait until XXXX to do so. 

I was told by the representative that I was not in the program and no payments have been made toward this program. Also, I did not need to reapply but fill out a new application to start the acceptance process over from the start and if I am accepted it will retroact the process. I did not matter how often I reapplied as the program does not give forward credit for my being accepted and everything is done " retroactively ''. 

This information appears to be in direct conflict from my previous letter of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NJ

Complaint narrative:
Approximately 1 month ago, I received a letter from GB Collects, in XXXX NJ. Phone number XXXX. Their file # is XXXX. They indicated that they were contacting me on behalf of XXXX XXXX, and claimed I owed their client, for XXXX, from a year and half ago. I immediately contacted them, and disputed their claim. I asked for physical proof that I owed the debt, and they couldn't provide any. I had XXXX for 2 months, and paid my bills. I then became unemployed, and was able to get Medicaid. I contacted XXXX, and cancelled my insurance. At that time, no one said I owed anything. GB collects calls my phone constantly, and sends me letters in the mail. They have failed to provide me proof, and I asked them not to be harassed anymore, but they continue to do so. Any help with this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
As documented in the letter I sent to CitiBank, with a copy to CFPB on XX/XX/2015, I had repeatedly begged CitiBank to stop charging me interest until I was able to become re-employed. The letter explains the damage CitiBank 's predatory collection and high credit card interest charges have created for me and the damage I have, and continue to suffer. I am unable to find gainful employment due to the bankruptcy on my credit file, despite making it to the finals, since my credit report with the bankruptcy ruins my reputation. Please read the attached letter below. Citibank ended up charging my credit card account approximately {$25000.00}, when my actual card usage amounted to only {$12000.00}, which I offered over and over to pay. I just needed CitiBank to stop the financial rape they purposefully accomplished, especially as their marketing and TV sales promotions were touting them as the perfect corporate citizens by funding railway systems for XXXX XXXX, as well as other money making ventures, while putting me Ito bankruptcy with users by raising my interest charges on my credit card account with them.

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 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX  payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending. 
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow. 
Below is a breakdown & actual bill statement also attached Please note the following. 
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate  payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX. 
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX  TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments. 

I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee. 

Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB REPORTED 17 NEGATIVE COLLECTIONS ON MY CREDIT REPORT FROM XXXX THAT WERE CHARGES FROM 2011 AND I NEVER RECEIVED BILLS FROM XXXX. XXXX STATES THEY DO NOT HAVE OPEN PAST DUE ACCOUNTS IN MY NAME HOWEVER USCB THREATENING TO FILE A SUIT, CALLING MY WORK, MY EX-SPOUSE AND HARASSING CALLS AT XXXX AND AT XXXX ISN'T THIS AGAIST THE LAW? ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Went on annual credit report to get my free report after having a big problem I wanted to call the CEO of Experian but XXXX what there not in the United States there in XXXX this is wrong no wounded we getting hacked this has to be shut down the credit agencies need to be here in the UNITED States not over seas

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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello i have been trying to change my address with XXXX XXXX XXXX. Its a subsidary of equifax i was granted a free account for due to their security breach. I have tried doing it online and their servers are always down. I have tried calling them with no luck. I see it as i shouldnt owe them anything if they cant change my address. Also a company called XXXX XXXX who handles my student lonand wont liaten to me about debt forgiveness because my school was closed. Who do i owe money to if theyre closed due to a federal law suit? Idk. Fix it im XXXX. Had to start a life out of a recession when youre in debt before youre XXXX. XXXX achools and they college promises are XXXX. Fix my stuff please.

Company response to consumer: Closed with non-monetary relief