vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have two student loans, [ one with FedLoan Servicing : {$170000.00} & one originally from XXXX, transferred to FedLoan Servicing : & & XXXX ]. I am paying {$1100.00} on the larger loan & {$170.00} on the smaller one. I have been paying for over two years on the smaller loan, which means it should have been paid off a while ago ; however, when I contacted FedLoan Servicing, I was told that only {$8.00} was being applied to that loan and the rest of my monthly was being applied to the larger loan. Can they do this? They also told me they would lower my monthly payment to {$12.00} instead of {$170.00}, which they have not done! I would like this loan to be marked : PAID IN FULL since I have paid OVER {$4000.00} on this loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: MO

Complaint narrative:
Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to anyone

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 2017-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date XXXX thats the case this is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX around XXXX XXXX, I was making payment on one the credit card accounts by Citi Bank . I noticed that the available credit shows {$0.00}. I contacted the bank, and they told me that credit card closed on XXXX/XXXX/XXXX. They did not disclose the reason and said that I would receive notice by mail. After I hang up the phone, immediately checked the other 2 credit card accounts from Citi Bank and they were closed as well. 

THE ACCOUNTS CLOSED BY CITI BANK : Citi Shop your way- XXXX Citi XXXX XXXX City Best Buy- XXXX After conducting researches, I found out that the bank must provide reason over the phone. I contacted the bank again and spoke to XXXX from team XXXX. He told the same, I would receive notice by mail. When I said XXXX, that he can not refuse to disclose the reason over the phone, he placed me on hold for about 15 minutes and transferred the phone to account specialist. 
XXXX from crew XXXX provided following reason : " Due to the amount of recent inquires for the credit line increase, they decided to close all the accounts. '' I replied that never been late on any of the credit cards payment, some of them recently were paid off and have spending limit less than 30 %. 
Some credit inquiries are old and some credit line provided to me automatically by the bank without even requesting credit line increase. 
I requested to reopen the accounts and received the following reply from XXXX : " Once accounts closed they can not be reopened. '' When I advised that I spoke to Consumer protection agency and they said that bank could reopen closed credit card accounts, she just replied, " This is a Citi Bank internal policy, and she can not reopen the account. '' I advised XXXX that I am now recording our conversation because she is lying and she hang up the phone. 

After all this, on XXXX/XXXX/XXXX, I noticed that Citi Bank charged me {$27.00} late fee on card ending XXXX. The due date of the card was XXXX/XXXX/XXXX. The payment of {$100.00} was made on XXXX/XXXX/XXXX around XXXX XXXX. I called Citi Bank, and without reviewing the account, they said that they did not receive payment. When I advised conducting researches the account specialist reply that she will waive the fee. I made additional {$18.00} payment close the balance over the phone and specifically asked to email me that the balance is {$0.00} but of course still waiting.

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 2017-10-21 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: VT

Complaint narrative:
XXXX Complaint File with your Company..Yes I did file a Complaint with equifax Back in XX/XX/XXXX and they Removed it and always I file with XXXX and they remove that XXXX Account I gave you the the Confirmation number Equifax gave me on the complaint I filed on XX/XX/XXXXand Here is is again. ( XXXX ) ..And try to have them Explain if it was back inXX/XX/XXXXand why XXXX just filed it again with them in XX/XX/XXXX.I want this removed..Vermont Consumer Affairs was even called and report on comcast..XXXX removed it from their site when I filed a dispute with them..I am very unhappy with your site and Equifax allowing such Fraud that XXXX is doing to..They tried with other Consumer Reporting Agency and I disputed with them and they dropped them..They doing it Even with My next door Neighbor.And their report Agency never had contacted me, ,If the did I would of disputed with them..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I meet and spoke with a Wells Fargo Personal Branch Manager -XXXX XXXX at the XXXX, Ca branch ( XXXX XXXX ) regarding my POA I have over both grandparents individually and what requirements Wells Fargo has in order to Exercise my rights as POA. The following documents we taken by XXXX XXXX to forward to WF legal. A declaration of trust, certification of trust, individual direct POA for XXXX and XXXX XXXX grandparents ) as well as my original social security card with my given name as listed as well as certificate of marriage showing maiden name change, us passport, CA DL all to verify and validate information provided as factual. I was then given a form to have notirized as advised by XXXX these documents are required by Wells Fargo California Attorney-in-fact Affidavit. On XXXX/XXXX/XXXX I returned to the same Wells Fargo Branch with notarized form California Attorney-in-fact Affidavit. that was provided to me by Wells Fargo. As documents were being processed and entered I was then hualted and advised that Well Fargo will not be able to accept myself regardless of the legal documentation verifying authority to exercise power of attorney due to  my lack or poor credit rating the obtained from XXXX and I was only elegible for a 2nd chance account. I explained to the banker that my financial credit should not be a factor to exercise my rights and that I wish to speak to Well Fargo legal dept. The branch rep then called the department and I requested to speak for myself with legal and was denied direct communication and communication continued with Wells Fargo Rep and there own internal department as I was sitting right in front the bank representatives. Information was relayed to me from branch representative who was on phone with the legal department that I will not be granted access regardless of documentation because my credit is not sufficient enough to be added onto the account regardless of being a power of attorney.

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 2017-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BTH Management
State: CA

Complaint narrative:
I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: WI

Complaint narrative:
The debt not mine even so contacted them I think they are using wrong dates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i submitted a dispute with equifax. they emailed me and said they have the results and i can view them by clicking on icon. i did this and filled out all my personal information, which i am sure is correct i did it 5 times. twice it let me get it to a questionnaire section, with i answered all the questions. the all were on accounts supposedly on my file. this brings a new concern and complaint. i have not applied or opened any accounts from XXXX till XXXX the first account applied to was in XXXX all the questions say i have accounts opened in this 11 year period which would be false. so they wont let me access the results or information or give a number that i can call to speak to somebody to begin to straighten out this mess. this is very aggravating especially know all the credit fraud thats going on, and this is supposed to be the source to correct any, what a joke.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 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: NC

Complaint narrative:
COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: MA

Complaint narrative:
My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}. 

In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Auto Properties II, LLC
State: VA

Complaint narrative:
Hello, I am reaching out to the Virginia Office of the Attorney General in reference to making an Official Complaint against a Business in Virginia. The Company in question is XXXX XXXX XXXX XXXX. They are based in XXXX XXXX, VA. I purchased a vehicle from XXXX XXXX in XX/XX/XXXX The vehicle was repossessed in XX/XX/XXXX. The problem/complaint that I have is XXXX XXXX XXXX XXXX sold the vehicle at an auction and only reported the balance at " XXXX  '' to XXXX, the other two Credit Bureau says the account is " Open '' with a balance. 

The way I found out that XXXX XXXX XXXX XXXX sold the vehicle and cleared it out on the XXXX side-only is because I went through a Third-party Credit Repairing agency " XXXX XXXX '', they reported to me that the account had been reported as a " XXXX '' balance and Ultimately this account was removed from my Credit Report for XXXX. XXXX XXXX XXXX XXXX obtained a Wage Garnishment against me on Several Occasions and when I am " Served '', I am told by the Attorney representing XXXX XXXX XXXX XXXX that the Case has been Dismissed beforehand. Come to find out, my Previous Employer was Threatened by the Attorney representing XXXX XXXX XXXX XXXX into a Payment before the Court Date. 

I currently have a new vehicle through my bank ( XX/XX/XXXX-Current ), and I 've had it since the Account from XXXX XXXX XXXX XXXX was " removed '' from my XXXX credit report by XXXX XXXX XX/XX/XXXX. When I found out what XXXX XXXX XXXX XXXX reported and Failed to Report, I began investigating my own Credit Reports. Which led me to Filing an Official Complaint against the Business. 

I would like to see XXXX XXXX XXXX XXXX to cease any and all Collection Action against an Account that was XXXX out back in XX/XX/XXXX and I also need all the Money that was Garnished from my net pay refunded as well as the Money paid directly to the Collection Agency " XXXX XXXX XXXX XXXX ''. 

I have also got into contact with " XXXX XXXX XXXX XXXX '' to see about getting an Update on the " Account ''. While talking to the call-taker, I mentioned that I have a New Car, her mood and demeanor changed into more of a " Shocked '' personality, in a way that she did not want to continue talking to me on the phone. 

In closing, I believe I have been Scammed by XXXX XXXX XXXX XXXX and I also believe that Federal Law have been Violated. There 's a Complaint giving to the Consumer Financial Protection Bureau which created a Complaint of the Federal Trade commission databases. I look forward in speaking to a representative via phone or email that will be provided.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Resolution Group, LLC
State: AZ

Complaint narrative:
I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics

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 2017-10-21 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: DISCOVER BANK
State: PR

Complaint narrative:
i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Innovis
State: PR

Complaint narrative:
i call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report

Company response to consumer: Closed with explanation