vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of 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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent XXXX XXXX a letter regarding account XXXX asking to verify and validate account. I was notified that the account was verified but no proof of documents in original form with signatures. and no proof of a fair and thorough investigation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: CA

Complaint narrative:
I am currently a borrower with Pennsylvania Higher Education Assistance Agency, or XXXX XXXX. I am a borrower hoping to utilize the Public Service Loan Forgiveness Program. 

My issue with XXXX XXXX is their repeated miscalculations regarding my payments toward the Public Service Loan Forgiveness Program. Nearly everytime I submit an employment certification letter, my loan calculations are incorrect, or have changed significantly. I have three examples, with documentation to show a pattern of miscalculation. 

OnXX/XX/XXXX I received a letter from XXXX showing the number of payments made toward the PSLF program. One of my loans ( loan sequence 006 of 5 loans ) had 22 payments as of the date of that letter. On XX/XX/XXXX I received a similar letter after submitting another employment certification form, for which I earned 4 more payments toward PSLF. Yet, my loan ( sequence 006 ) now showed only 15 total payments toward the PSLF program. 11 payments, which were previously counted on the XX/XX/XXXXletter were missing. I have contacted XXXX twice about these missing payments and have yet to receive an updated calculation. 

Additionally, afterXX/XX/XXXX letter the rest of my loans ( sequence XXXX ) were each missing 1 payment. According to the XX/XX/XXXX letter, three of my loans ( XXXX ) had 23 payments counted toward the PSLF program. However, as of XX/XX/XXXX each of the loans now had 26 payments counted toward the PSLF program, even though the letter was to certify 4 more payments toward the program. Loans XXXX should be at 27 payments as of XX/XX/XXXX, not 26. 

Finally, According to the letter on XX/XX/XXXX, I had an employment certification from an organization from the dates of XX/XX/XXXX - XX/XX/XXXX. This should count as 9 payments from that organization because I make payments on the XXXX of each month. Yet, the letter only counts 8 payments made toward the PSLF program. 

These three examples demonstrate a pattern of miscalculations from XXXX, all of which have served against me, and my progress toward the Public Service Loan Forgiveness. I have made repeated attempts to have these loan payments calculated correctly. At this point, there are so many issues that I think it has become difficult for the staff to remedy the situation. 

In addition to these three miscalculation examples, I still have not received payments made in XXXX and XX/XX/XXXX counted toward the PSLF program due to a retroactive in-school deferment placed on my account by XXXX XXXX. I have been waiting to have those payments counted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
Original Creditor, XXXX XXXX XXXX now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused my payment. Original creditor referred me to deal with collection agency. Requested verification of debt onXX/XX/XXXX. Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. OnXX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact on XX/XX/XXXX to settle account. Made phone calls at XXXX XXXX and XXXX XXXX with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXXXXXXXXXX XX/XX/XXXX with no answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I file a dispute letter with Experian, XXXX and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, Experian and XXXX didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to Experian and XXXX were 609 and 611 FRCA.

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 2018-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
NelNet has started charging me for my loan at the full repayment amount while I am in IBR. They contacted me and attempted to force me to cancel IBR and go into forbearance. They said there are no other options. They placed a strike on my credit report putting extra stress on my already stressful ( I am in IBR! ) financial situation. I have called repeatedly and they refuse to remove the strike, refuse to accept my IBR status and refuse to help me in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an account with Bank of America. I never use this card account but a few months ago, I transacted on XXXX and didn't realize that this card was used for that purchase.

As I never use it, I didn't check the outstanding balance. The company never sent me a statement. They never called me about the balance. I realized about the outstanding only after they reported a 30 day past due to the credit bureaus and my FICO decreased from 794 to 650. I immediately made the payment. They reported me to the bureaus for a past due of

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 2018-01-21 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.

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 2018-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen denied me my XXXX Principal reduction program saying I did not get paperwork in on time in a letter written to me on XXXX. Then on XXXX Ocwen said XXXX denied me the principal reduction program. On XXXX sent me a letter looking into it. Then on XXXX sent another letter saying looking into. On XXXX CFPB sent me a letter letting me know my complaint and evidence was sent to Ocwen. O XXXX Ocwen sold my home. 

At the end of XXXX XXXX called XXXX to see if Ocwen sent what was need and found out they did not so I asked for an extention all Ocwen had to do is call and let XXXX they are still working with me. Ocwen did and I got my extention. On XXXX called XXXX to see if Ocwen sent in paperwork but they did not so I asked for another extention all Ocwen had to do is call like they did the month before but instead Ocwen called XXXX and denied me. Ocwen lied about me not getting the paperwork in on time so when Ocwen got the evidence I sent they changed their story and said XXXX denied me. look at the paperwork I am sending with this complant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
In XXXX XXXX, my XXXX XXXX XXXX was totaled and deemed a total loss due to electrical problems. When financing, I purchased GAP insurance and an extended warranty. The GAP insurance was through a company named XXXX. It took me awhile to collect all of the documents but it was filed within the 90 days and the claim was processed. The next step was to file a cancellation on the extended warranty and that was handled by a company named XXXX. As soon as I received notice that my GAP claim had been processed, I filed a notice of cancellation that would cover the remaining balance, which was {$690.00}. I knew I needed to handle the payoff but at the end of XXXX, I placed a call to XXXX, which is on their record inquiring whether or not I needed to cover the remaining balance or wait until they received the warranty cancellation refund. I was instructed to not worry about the balance, that it would take longer for them to issue the refund check if I went ahead and paid it off. Three days later, they charged off my account causing my credit score to plummet. I immediately called back and spoke to another representative who told me that they would reverse the charge off once they received the refund check, as well as apologizing that I was n't notified of the charge off during my previous conversation. A week later, I still had not received notice of the refund check and called XXXX, the cancellation company. I spoke with a manager and she apologized for the delay and she would overnight the check, this was XXXX/XXXX/XXXX. I received the overnight notice XXXX/XXXX/XXXX. I called XXXX again to make sure the refund was received and it had been posted XXXX/XXXX/XXXX. I was instructed that the charge off would be deleted and I would be receiving a refund of {$670.00}, twenty one days after the check posted. That would have been XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and my account has n't been adjusted nor have I received my refund check. I understand that it takes time to issue checks but the fact that my credit has not been adjusted is unacceptable. Before my car was totaled, I always paid on time and remained in good standing with the company. The lack of information and misguidance on the part of their representatives is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.

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 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Public Record Information : XX/XX/2017Public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows. 

( 1 ) Name, ( 2 ) address, and ( 3 ) Social Security Number And Date of Birth Further more if Equifax can not provide documented proof of the above information in full not partial information the said Public information on my Equifax file needs to be Removed/Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After filing online disputes, and calling the Trans Union customer service number to notify them that I was a victim of their agency 's inquiry issues, like many others that had been victimized due to the same issue. 
The rep would not offer to assist in correcting the long list of 40 erroneous inquiries on 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 2018-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have repeatedly filed complaint with CareCredit re interest rate. I have not used the card for two years and yet owe more today than two years ago. There is something seriously wrong and must be illegal with this practice.

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 2018-01-21 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: CA

Complaint narrative:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MD

Complaint narrative:
Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started the process of consolidating all of my student loans in XX/XX/XXXX - the process was completed at the end of XX/XX/XXXX. My credit report is showing that my Fed Loans are late 90 days XX/XX/XXXX. I have question as to how this could be when in XX/XX/XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XX/XX/XXXX and then again onXX/XX/XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. Transunion & XXXX come back with account is verified accurately.

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 2018-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started the process of consolidating all of my student loans in XXXX XXXX - the process was completed at the end of XXXX XXXX. My credit report is showing that my XXXX XXXX  are late 90 days XXXX XXXX. I have question as to how this could be when in XXXX XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. XXXX & Experian come back with account is verified accurately.

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