vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
A payment was made to me from a verified payer on the XXXX of XXXX. The money was sent via echeck. The check has cleared the payers bank Paypal said the clearinghouse still has the money and they can not release it until the clearinghouse sends it to them. 
Paypal has a " hold til XXXX XXXX '' on the transaction summary in my account. 
I called paypal and spoke to their escalation department who told me they are instructed by paypal to say the clearinghouse has the money, I asked for a transaction number and was told they are not allowed to give them to the account holders or any customers Money electronically transmitted on the XXXX is being held by paypal until the XXXX If they do n't know where the money is, how do they have a set number of days for holding the money. Even when contacted and told the transaction was completed, paypal still refuses to release the payment to me They also play games with the " ok to ship '' and " wait do n't ship yet '' information on their payment activity log. When you call and ask why you have to ship the product without paypal knowing where the money is, they remove the " ok to ship '' from the info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Federated Law Group
State: GA

Complaint narrative:
XXXX XXXX charged me for 2 accidental death insurance plans long after I canceled both plans in writing. I asked them to credit my account when I realized they were still charging me. They did not. The account was submitted to a collection agency and sold. I have not received a demand letter, nor have I been given the opportunity to dispute the disputed portion of the debt XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX placed the account with FederatedLaw who in turn filed suit against me. 
I called and verbally disputed the debt and requested that they document my dispute. 
I asked for a payment plan for two months or until the balance dispute is resolved. I offered the same two - month payment plan until XXXX 2018 at which time I can settle the portion of the debt I owe after filing my taxes. I admit I owe something but not the entire amount this group is unwilling to work with me to resolve this debt. I even asked for a consent order with payments until I file my taxes and can settle they are unwilling to work with me, I do n't want to file a Chapter XXXX I want to pay what I owe I need someone to correct the balance and give me a plan for 2 months until I can raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have never had a late payment with Navient ever and not to long ago they reported my loan late and made my credit drop 100 points. I need this to be fixed asap. I tried dealing with Navient and all they said that they ca n't do anything about it and that I need to contact the credit bureus and dispute it like that. I believe this happen in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
A customer rep calls me on behalf of McCarthy, Burgess & Wolff representing their client XXXX to collect on a final bill that they claim was not settled. The representative did n't even have a copy of the final bill available to send to me to review. I had already settled the issue with XXXX, and termination fees were removed, but then they added the fees again to my account. I had been swindled by a customer service representative to sign up for a contract plan that required me to pay for 24 months of service. If I cancel service, they wanted me to pay for {$800.00} in  termination fees. They lied to me when they signed me up for the service initially because I specifically told them I do not want to sign for a contract because I was a new business and did n't want to be locked into anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: Lending Club Corp
State: UT

Complaint narrative:
This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I have a big problem with freedom mortgage im trying to save my home I asked for help from them with a modification I am complying with everything they asked I even have a hud counselar working with me they stated I have something on my title that was about 6 or 8 years ago I was not living in the house that long they stated whats on my title is a judgement for XXXX I paid it years ago I even went to civil court to get a copy the bank is telling me they can not accept it the courts is telling me I have no judgement this is what they can give me I gave it to the bank they are not accepting this was years ago its paid I showed my proof im trying so hard not to loose my home but I feel they want me to I need some help from someone

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 2017-11-10 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through Bank of America. In XX/XX/XXXX, I checked my credit score and noticed Bank of America had reported two late payments ( XXXX and XX/XX/XXXX ). I contacted them in XXXX of XX/XX/XXXXto dispute these false statements and nothing was done. The faxes were sent over on XX/XX/XXXX with bank statements proving the payments were paid on time and were not late. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by Bank of America I could not go forward. I then again contacted Bank of America and XXXX to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XX/XX/XXXXI supposedly called and asked for the additional monies that were sent in be applied to principle and with XX/XX/XXXX payment being only {$170.00}, which was what was due at the time the payment was now considered late. XX/XX/XXXX has nothing to do with XXXX of XX/XX/XXXXpayments whatsoever. On XX/XX/XXXX I was advised Bank of America is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.

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 2017-11-10 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: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.

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 monetary relief
Consumer complaint received 2017-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Account Control Technology, Inc.
State: KY

Complaint narrative:
I believe it was in XX/XX/XXXX XX/XX/XXXX I started school with XXXX I told him I had XXXX in a XXXX problem they said they had many resources to help me every time I would email the instructors on how to do something or to explain it to me a little bit better I always got the email back saying I do n't understand what you 're talking about I kept on having to take classes over and over and over until I got passing grade never got any help

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 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was denied loan mo modification by Wells Fargo and my wife and I appealed it. The appeal was denied and we decided to reach out to XXXX. They have tried to speak with Wells Fargo however Wells Fargo for some reason has no record of XXXX reaching out to them. I believe Wells Fargo works for XXXX XXXX who are the investors of my mortgage. XXXX has tried numerous times but to no avail.

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 2017-11-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
This agency has 33 items listed on my XXXX credit file IC SYSTEMS which is CRAZY and I DO NOT OWE. I want ALL of them removed. This is violation of my rights 29 items all stating I owe {$59.00} which I DO NOT 4 items all stating I owe them {$150.00} which I DO NOT

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 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Hi, This is regarding the XXXX XXXX wheel warranty. While financing my vehicle ( XXXX-2017 ), it was asked me to take extended warranty, Tire and wheel warranty and XXXX XXXX wheel warranty. Having no choice I agreed. After few months I requested to cancel my all warranties. After long follow up, the XXXX XXXX XXXX XXXX was able to cancel Extended warranty and tire and wheel warranty but not the XXXX XXXX Wheel warranty. I have been constantly following up with XXXX XXXX XXXX finance team. Even they are not able to produce any signed document in this regard and first they asked me to check with XXXX wheel directly. I called them and they denied that they do have any copy with my sign. At end the dealership agreed and confirmed that they got confirmation from XXXX company that my warranty has been cancelled and amount will be deposited in my loan account. After 2 and half months the amount is still not credited. I have following concerns ( 1 ) I think  XXXX XXXX XXXX charged me extra without getting my signature on agreement and thats why no one has a copy of agreement of XXXX XXXX wheel warranty ( Including me ) ( 2 ) I think because of some financial glich the dealership is not able to tell me the truth and delaying the credit in my account

Company response to consumer: Closed with explanation