vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was enrolled in a Rate Reduction Plan for the past 15 months. My monthly payment was {$500.00}. The time has come where my contractual monthly payment of {$700.00} would begin next month. As I called the company after receiving an email to discuss an extension, I was turned down. They did a " monthly financial statement '' where they asked me questions based on my monthly expenses. I estimated each financial question. After giving my financial statement, they denied me and told me that based on the information, I make enough money to pay the contractual monthly payment. They then looked on my credit report to determine what my monthly payments are ( credit card statements, loans, car payments, etc ) to try to show me that I have extra money left over. Just because my monthly payments are a minimum payment, does not mean that I do not pay more to avoid paying just interest. I do not think that determining by " word of mouth '' is an accurate way to decide what program I am eligible for or not. I then spoke to a supervisor who told me that there was absolutely nothing that they can do for me. If they want to see my annual federal income, I will be glad to show them my tax returns. I am a student struggling to pay my student loans and I think it is completely unprofessional that this company is turning me away for not be able to afford a high monthly payment and is not willing to work for me, or to enroll me in a different payment. I have been dealing with this company for over 7 years and they are rude and unprofessional. They are disrespectful and I do not appreciate being turned away when this company is supposed to help us struggling students pay off our debt. Employee numbers- Supervisor XXXX XXXX- XXXX, XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.

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 2017-08-07 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: GA

Complaint narrative:
According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX, 2017, I attempted to download a " Proof of Loan '' PDF document, which I do monthly to obtain student loan repayment assistance from my employer ( see attachment for example ) ; however I could not locate the Proof of Loan documents online. I contacted Navient for assistance, and the phone representative told me the feature that generates Proof of Loan documents is no longer available and the only way to obtain day-of loan information is to take a screenshot or print the online loan details. This is unacceptable as I am sure many borrowers need formal day-of Proof of Loan documents for mortgages, student loan repayment assistance, etc. The removal of this feature will cause future harm to many Navient customers, including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX (  dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!

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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
Applied and took out a mortgage ( MOVEMENT MORTGAGE ) on XX/XX/XXXX/17 for $ XXXX. From the get go I told the mortgage broker it was my intent to pay the mortgage weekly or biweekly as that 's how we get paid and we want to get this thing paid off as quickly as possible, including adding some extra for principal when we could ... ... He said, " yes, we do that, but you have to wait til you get your first statement, as they have a " high turnover rate = selling the mortgage '' ... Now, fast forward to near closing : the mortgage broker ( XXXX XXXX ) was annoyed constantly by my questions like : asking for more details about what different fees were and requesting explanations etc. We probably had 15 versions of the Closing Docs, as I was reading them and questioning everything.. he basically said in a text to me.. " Well I found out you are pretty relentless in fight every person in the process, so now I need to call a whole bunch of people to try to get you written proof on how mortgages work and why you need to escrow '' ... Escrow was NOT the only questions I had and isi n't it his job as my mortgage broker to assist and educate me on the process? ( We did not have a real estate agent ). So on the last CD at the Settlement table there was a tax fee of {$420.00} to cover " unpaid '' taxes - however, our taxes were already paid for that period by the seller ( and proven ), yet they were still charged to the seller ( which my husband was XXXX seller ) and also the purchaser. They should not have even been charged to anyone ( Seller/buyer ). Was told by the title company representative for the Mortgage Broker ( at settlement table ) that they were told in advance by XXXX XXXX if there were any changes on the CD, that they would negate our approval and cancel our purchase. Ok, so we are out {$460.00}. because, whats XXXX to the grand scheme of XXXX and the entire loan process all over again??? Now, I get my 1st payment slip, call Movement to et up weekly or biweekly payments, and I am told they do NOT allow weekly or biweekly payment and do not have anything in place to do that. Basically ensuring the term of the loan and the amount of interest they collect. I would never ever recommend Movement Mortgage or their broker XXXX XXXX, whom I fully entrusted as he was a previous work colleague ( he rented office space ). After closing, I did not receive a thank you / congrats call, text or email from XXXX XXXX, but I am sure he will be enjoying the commission earned from that loan. I will be filing a lawsuit and complaint to the Federal Government, State Government Agencies, Better Business Bureau and any other agencies that I can get the word out too ....

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 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX Is the worst Company ever!! Not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and I have already filed a complaint with HIPPA regarding there ILLEGAL ACTIONS that are affecting Hard working citizens everywhere such as myself.They are violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc.
State: TN

Complaint narrative:
In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: CA

Complaint narrative:
This debt collection was left on my name by my ex husband. He had all my information and had a lot of things put on my name and left them owing. Please remove as soon as possible as I am taking legal actions with him. Please remove this debt collection amount of {$880.00} from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NE

Complaint narrative:
we received a letter from Huntington National Bank dated XX/XX/XXXX stating our boat installment loan had been paid in full on XX/XX/XXXX. To this day, XX/XX/XXXX, Huntington bank has yet to release the title to the Department of Motor Vehicles ( DMV ). My husband attempts to contact the bank on a daily basis to check on the progress however the customer service is horrendous and often the 'hold ' times exceed what he is allowed during his work hours. He has tried numerous times to allow myself to speak with a representative, which they have declined. He has been given inconsistent information as to when and even if the title has been released. As of this past Friday, a representative failed to 'verify ' my husband and would not even give him information and ended the call. He has but put on hold after requesting not to be put on hold, he has been transferred and hung up on going on months now. The buyers of the boat are considering legal action against us as they yet to have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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