vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USI Solutions Inc.
State: TN

Complaint narrative:
First time USI solutions called was on XX/XX/2019 from a XXXX XXXX, he left a message for my to call him back today. So I did call him back, I called him back, could not tell me what exactly it was for. I ask for his Lic # and he said I didnt need that. He got rude, calling me every name in the book, I hung up. 
Today XX/XX/XXXX he called my wife on her cell phone, and cursed at he demanding he to talk to me. I then called him back and told him not to call or Im pressing charges, he then started threatening me to pay. Ask me to confirm my address, which he new, he did that as a threat, letting me know he knows where we lived. I need help with this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/19 via Certified Mail # XXXX XXXX XXXX XXXX XXXX Ally Financial received my letter informing them that I did not authorize a credit inquiry by their company and if I was wrong, to please send me proof of my authorization. 

On XX/XX/19 I received a letter from Ally Financial without proof of my authorization. I never authorized anyone associated with ALLY FINANCIAL, or XXXX XXXX XXXX, to make a credit inquiry or authorize a credit inquiry on my behalf. Ally Financial fails to provide proof that this inquiry was authorized by me in writing, bearing my signature. Anyone could have stolen my identity and attempted to purchase a vehicle. 

Therefore, without the requisite proof of authorization, Ally Financial must immediately delete this inquiry. Otherwise, civil action may ensue for violations of the Fair Credit Reporting Act, including but not limited to Section 609, Defamation, and Negligent Enablement of Identity Fraud.

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 2019-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.

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 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
This is simple. Until XXXX of 2018 I have been paying an Extra XXXX per month on my mortgage toward principal. when I went to make my payment on line in XXXX of 2018 and XX/XX/XXXX the mortgage company has taken away the ability to make principal payments. So I did not make the payment. As they do not allow for you to make a principal only payment online. This is Wells Fargo. Also they stuck me with {$100.00} of late fees for one month of being late ( I made a the XXXX payment today ) thinking the principal payment section missing was a mistake. I believe that Wells Fargo is purposely trying to make it more difficult for its clients to pay of their mortgage in a timely manner.

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 2019-05-21 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: GA

Complaint narrative:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have no knowledge of these accounts. They are reporting on my report under Navinent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: IA

Complaint narrative:
I have federal student loans with FedLoan and they have had my loans since XX/XX/XXXX. I was in deferment until XX/XX/XXXX when I entered payments on an income based plan, My first and only position has been working for a 501 ( c ) 3 company and therefore have been participating in PSLF program. I have submitted employment verification to cover this entire time period and have tried to stay within qualifying payment plans. However, I have had many issues with this program, starting this multiple payments made the " do not qualify '' for various reasons. I have specifically contacted the representatives with each request of payment plan change and was reassured each time that any full payments would qualify. Specifically, I confirmed in XX/XX/XXXX prior to changing payment plans that all payments would be qualifying payments expect while in deferment. I have counted 66-69 qualifying payments but my account only reports 42 qualifying payments. 

To further complicate things, it has taken FedLoan over a year to review my previous requests for payment reviews ( made XX/XX/XXXX speaking with " XXXX '' ). I contacted them again today and spoke with " XXXX '' ID # XXXX about the situation and was informed not only is there no time estimate for reviews but that I had additional payments that were marked as " not qualifying '' that I was not informed of previously. These payments did not qualify because I was temporarily placed on a non-qualifying plan while I " Transitioned '' from one income base payment plan to the next despite specifically inquiring about this possibility and being reassured that it would not occur prior to making the request to change. I had to submit a separate request for review that might also take an " extended period '' to complete. At this rate, I will have completed my 120 payments and still not have confirmation that I am appropriately participating in this program despite multiple attempts to confirm such. 

Lastly, each time I recertify my income as required yearly to maintain a payment plan in REPAYE or other income based plan, my interest is capitalized. 

I have paid {$130000.00} since XXXX and still have {$200000.00}. Therefore, after over 5 years of payments, I still owe more than I original borrowed despite paying nearly 2/3 of the original debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While I have filed a previous CFPB complaint about this issue, Citi 's continued appalling behavior has left me no choice but to file another complaint. I have the Citi Aadvantage Business card which advertises a free checked bag when flying with XXXX. When I tried to use this benefit, I was told I could not because it is only available on select flights. Due to Citi not highlighting this, nor working towards any solution, I was forced to file a CFPB complaint requesting the {$60.00} in bag fees be refunded. Through the CFPB, Citi declined my request. I sent feedback regarding why I was not satisfied with the response. A representative from Citi EO office subsequently called me and said she did see a page where it was not clear that it was for domestic flights, so she offered me a {$30.00} credit and I accepted. I also notified her of another advertising discrepancy regarding in-flight wifi, which she said she would look into. A week later, I still did not have the credit on my account, so I called Citi to see if the {$30.00} would be posted in the next statement or if the EO office rep had forgot. The first agent had no idea what was going on, so I requested a supervisor. He transferred me to a representative in the US who tried to explain to me why I was wrong to request a refund for the bag fee - which Citi had already agreed to - and transferred me to an Account Manager in Florida, XXXX. XXXX was underhanded, condescending, rude and insinuated I was a liar regarding the {$30.00} statement credit. He chided me about how it's " in the terms ''. I told him, in no uncertain terms, that I will not be spoken to like that and disconnected the call. I was promised the {$30.00} credit and I demand it be applied. Please note a copy of this CFPB complaint will also be forwarded to the offices of XXXX XXXX, Rep. XXXX and XXXX Councilman XXXX for their review.

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a credit card with a credit card issuing company, but had a freeze on my credit. The company used equifax to pull my credit score, and asked me to lift the freeze with equifax to process my application. 

I tried creating an account on equifax 's website, but the site gave me an error. My account was successfully created on the second try, but the login would not work ; it gave an error and said I should call XXXX. I waited on hold for 20 minutes, and then when someone ( XXXX XXXX answered, I explained the situation and said I needed to lift a freeze on my credit. They transferred me to another department, where I repeated the experience with XXXX. Then this department transferred me to another, who tried to get me to call the main number again ( This was a guy named XXXX ). 

I tried their online chat support ( XXXX XXXX, but the representative said I needed to call in to lift the freeze. She then disconnected the chat before I could explain I had already called in. 

Now I can't use equifax and I can't get a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX, XXXX and XXXX.

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 2019-05-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ Nelnet XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Why don't my statements match the account transaction history that was sent by XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX. XXXX  XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ XXXX XXXX Unverified Account

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 2019-05-21 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: CA

Complaint narrative:
( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? 
I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? 
( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?

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 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: VA

Complaint narrative:
Until XX/XX/XXXX, my student loans were services by ACS Education Services. I joined the Federal Service in XX/XX/XXXX. I contacted ACS Education Services several times when they were my loan servicer to enquirer about the PSLF program. I was told I was on track for loan forgiveness. In XX/XX/XXXX I learned from another source that my student loans with ACS did not qualify for the program, and I refinanced my loans as the correct type so I would qualify for PSLF. If ACS had provided me with the correct information, then my loans would be forgiven this year in XX/XX/XXXX. However, since ACS misled me, I will not have my loans forgiven until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019 I attempted to make a transaction for XXXX through the XXXX link attached to my bank account ... When I alerted the bank of suspension of fraud because the Original contact person name did not match the bank information associated with the phone number linked to the account. I was told even though the XXXX is linked to the account they would not be responsible for the transaction which is misleading considering its associated with an institution whos standards are morally ethnical..

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 2019-05-21 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: OK

Complaint narrative:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I've been a Nordstrom client for years. Earlier this year I had a medical procedure which had me XXXX  in a hospital, which caused XXXX and XXXX  XXXX. Due to my condition, my dad was entrusted with handling my finances. Unfortunately, to make the Nordstrom payment, he input the wrong checking account, which was my XXXX checking account, which didn't have sufficient funds to cover the payment, whereas he was to use my XXXX XXXX account, which did have sufficient funds to make the payment. Due to this I incurred a late payment, even though my active bank account at XXXX XXXX had over {$20000.00} at the time to make the payment. 
I had spoken to and forwarded proof of the funds and proof of my medical problems to Nordstrom, and asked that they remove the late payments. But they refused to make any such concessions, despite the fact that I was severely XXXX  and had sufficient funds to pay.

Company response to consumer: Closed with explanation