vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO   XXXX   FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL   XXXX   XXXX  . THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM   XXXX   XXXX    XXXX  AND  XXXX   XXXX . HAVING  XXXX    XXXX   XXXX    XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  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 2017-07-11 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: NV

Complaint narrative:
I submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  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 2017-07-11 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
<P/>
2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.

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 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XXXX I was in a serious car accident, I had a XXXX XXXX that required me to be put in a XXXX. My american express account was being paid by my father, but due to XXXX payments being late a few times the account was paid late. A collection Specialist from American Express was assigned to the account, he spoke to my father and was told of my situation, however this man harassed my father, called my employer over and over again demanding them to have me call, he called my elderly father-in-law at his rest home and made him cry, he called friends of mine, he was told over and over that I was in a XXXX in the hospital and could not come to the phone. this collections specialist then closed the account that had been open since XXXX. Originally it was my fathers account and when I was in College he added me to the account for emergencies, somehow years ago I was made the principal. Now because of this when my father tried to pay the account off this collections specialist would not allow him to do so, stating he had to speak to me directly even though I was unavailable in the hospital in a XXXX. I have now paid for 3 extra months of interest due to this collections specialist not allowing the pay-off by my father. Every call you place to American Express is routed to this man, you can not speak to a supervisor or anyone else once you give the account number they just transfer you to him. He is abusive, he berates me for not calling him back, for avoiding his calls all this time, he is the party that closed the account and his unkind failure to understand the medical situation I was in is reprehensible. American express has allowed this man to operate outside the boundaries of normal collection practice, he has provided to outside parties that my account is in collection and past due, harassed my work, family, friends all outside the boundries of the law. Now today I tried to call myself, even though I am unable to really speak great, I forget words, it takes me time to explain myself, I must think before every word, but all I got was this mans abuse. He called me back for over an hour every couple of minutes and hung up on me, he pretended to be someone else, when I asked his name over a few times he finally said his name and hung up. I need to pay this account off but can not get anyone to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: TX

Complaint narrative:
As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Commercial Services, Inc
State: LA

Complaint narrative:
Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.

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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XXXX/XXXX/17 I was on vacations in XXXX, XXXX I attempted to withdraw in a XXXX ATM ( Non Chase ATM ) {$90.00} DLS around XXXX XXXX. The ATM stated transaction can not be completed and gave my card back, I immediately attempted to withdraw at a XXXX ATM sitting next to the XXXX ATM i was trying. it did not work either so i called Chase to see if my card had any holds because i was traveling abroad. while i called chase i noticed on my cel phone checking the bank app that the 1st transaction was pending for XXXX dls, i told the guy on the phone the ATM did not dispense any cash so chase credited my account immediately, but on XXXX the credit was reversed claiming the owner of the ATM submitted proof the transaction went through, i asked for that proof and chase did not submit a copy to me. this proof is impossible since the ATM did not dispense the cash. This is totally unfair since the ATM did not dispense the cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives.
<P/>
I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
/his letter is to inform you that Experian credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and FederalLaw mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my Experian credit bureau report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a  record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXX  XX/XX/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 2017-07-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/X/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. Have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve the situation, and every time I call them they accuse one to another. They charged me this money ( XXXX ), but the money is nowhere to be found.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: OK

Complaint narrative:
I received a bill from the hospital and it was due on XX/XX/XXXX. Before I had the chance to pay it, the hospital sent it to a collection agency, FMA Alliance , Ltd., on the day it was due XX/XX/XXXX. I called the hospital on XX/XX/XXXX and paid off the bill and was assured that it would be recalled from collections since it should never have been sent in the first place, I was told it must have been a " glitch '' in the hospital 's computer system. On XX/XX/XXXX IXX/XX/XXXX received a letter from the collection agency stating I still owed the payment of XXXX. I explained that it was paid in full to the hospital but that did not matter. I was told that I still had to pay the collection agency, FMA, as they were not notified it was paid. On XX/XX/XXXX I contact the hospital and explain, they say they will contact  the collection agency, FMA. Called FMA back to make sure it was taken care of, was told it would not be cleared until they received payment I gave to hospital. Tried to work with hospital, they treated me like I never paid and was lying. Collection agency just threatens to put on my credit while demanding payment. Said they will continue to contact me until they receive payment from me or hospital. Hospital said they do not take the payment from me to send to collection agency. So not only did hospital send it to FMA in error, now that it is paid in full, FMA still wants the same payment. Hospital 's solution, just ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
the mortgage company is Ocwen..they refused to do a modification, I even got a legal aid lawyer that turned on us..after fighting with Ocwen for over two years they forced me and my family out, we did use the XXXX XXXX XXXX and they gave us a runaround.We paid other companies to help, we did.Every way we took to save our home, Ocwen through up a brick wall , they would n't compromise in any way ... although I send them adequate income all they wanted was my house and on XX/XX/XXXX they put us out, even though we had a son which was extremely ill, our son was a XXXX with serious issues, we were forced to leave and seven months after being forced out our son XXXX away in XXXX XXXX..we beg and pleaded with them, we were homeless for 17 days, we had to put our son in the hospital because we had nowhere to go, I wrote senators, congressmen, governor, even the president ( Obama ) no one helped..We knew that Ocwen was stealing the house we built away from us and nobody cared ... fourteen years, they sold our mortgage several times and yet nobody informed us.How could the government we pay taxes to, to protect us, how could they just turn their backs and allow these greedy soul-less companies steal our home..where is the justice!!!!!

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