vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX i received emails stating that my payment plan had been changed. I had just submitted my yearly recertification in XXXX for my IDR plan. It was approved and recalculated on XX/XX/XXXX. There was no explanation as to why my payment plan was switched other than a system error. This resulted in capitalization in my interest on XX/XX/XXXX and again on XX/XX/XXXX when my plan was switched back to the IDR plan to allow me to continue in the PSLF program i am nearly 5 years in. I received letter on XX/XX/XXXX stating my request to reverse my capitalization has been approved and completed and also received another letter on XX/XX/XXXX stating the same thing. I have called numerous times and continue to get bounced around to someone that can tell me what happened and when i can expect this to be fixed as the information i have been given is that this is completed. Due to this system error that occurred in XXXX i have experienced a delay in payments that qualify for the PSLF program along with an increase in payment amount due to the capitalized interest. The information provided to the public states that we pay a percentage of our income towards our student loans and no one can give a straight answer as to why this is the case or when i can expect this to be fully resolved. My student loan principal balance is {$8000.00} dollars higher at this time and continue to make the higher payments in fear if i miss i will not qualify for PSLF anymore given the strict policies. I have expressed and tried to work with XXXX XXXX on many levels to get this resolved however for a system error that occurred overnight on their part it is unacceptable for it to take 4 months to resolve. I feel XXXX XXXX needs to be investigated for unjust student loan practices involving the capitalization of interest for unknown reasons and untimely resolution of problems resulting in the disruption of repayments and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
Debt is not verified. We do not have a pud rider on our house. A HOA can not charge fees. HOA did not even register with state until three years ago. We have asked for verification. Did not provide. This debt does not exist and is not valid. We provided this info to collection company, just ignored.

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 2019-02-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted XXXX on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information 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 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not applied for any credit. And it shows all XXXX XXXX and credit cards I have not applied for nothing but XXXX XXXX so why is these hard inquiries on my credit?

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 2019-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Risecredit, LLC
State: CA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan  # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX  credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The amount owed is incorrect and has not been updated and wells fargo continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XX/XX/2018.

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 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The amount owed is incorrect and has not been updated and XXXX XXXX continues to not update the correct amount due. I have tried to make payments on this account but was told I could only pay in full and that the IRS would get a report from them on me. This was in XXXX of 2018.

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 2019-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
In XX/XX/ 2018 I was a victim of Identity theft. 
My XXXX XXXX XXXX banking account which I had on file was compromised. 
After several attempts to correct the issue I had to close the account and start a new account. 

All of bills were paid using this bank. This cause issues this payment to this card. I did get this corrected. But now I use my XXXX XXXX banking account. 

As a XXXX XXXX I was affected by the XXXX XXXX. With no income I did attempt to make a payment of {$15.00}, {$20.00} of what I could afford. 
I spoke to representative and informed them of my situation. 
I was told late fees would be added to the account. 

As I need time to get back on my feet. My husband is XXXX XXXX too so this XXXX affected our household. 

Also I was able to access the FTC site during the shutdown. It gives the information for Identity theft to show I filed and I have a case number. 
This program was shutdown at the time, I would like to get my account back on track. 
No card closure If u can see before I was able to pay with no issues I can provide any additional information as needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Me and my husband filed for ch XXXX bankruptcy. Two of the credit bureaus report just 1 bankruptcy but equifax is reporting two on my credit report with the same date and info as each other. For some reason they cant understand that they are showing a duplicate bankruptcy. This is caused me to be unable to buy a house on two different occasions because they will not do a loan with more then one derogatory mark on my credit report. I have only ever filed for one bankruptcy and could not file 2 on the same day with all the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management
State: FL

Complaint narrative:
XX/XX/19 received robocall at my place of employment at approx. XXXX from XXXX at Pendleton Capital Management . Receptionist only recorded the company name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX from this number. They may have tried to use other numbers but left no messages. I even blocked them but they continue to leave messages I have received repeated phone calls from local numbers saying they have had numerous  complaints about me and have made repeated attempts to contact me. Refers me to call XXXX A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She  continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

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 2019-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXS Finance/Personal XX/XX/XXXX TransUnion

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 2019-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XX/XX/2018. Capital One credit card was included in my petition. In spite of the Automatic Stay, Capital One is continuing to collect this debt : On my XXXX  credit file and XXXX, Capital One has reported this account as 90 days late, 120 days late, and a few days ago 150 days late! Additionally, Capital One is adding interest to the amount of the original petitioned debt. 
The reported Current Status is : " delinquent, at least 120 days or more than four payments past due, '' and ( 2 ) Description Remarks : " {$270.00}, 150 days past due. '' I have now disputed this account TWICE with XXXX, but Capital One keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Capital One update the account language and descriptors on my XXXX  file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: CA

Complaint narrative:
An attorney that was assigned to be my children 's advocate attorney in XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

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 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hi, I called Citibank Credit Card services over 20 times and their customer service is unprofessional. I've been trying to be able to add authorized users to my credit card since I ' m allowed up to 10 people, and Citibank gave me a hard time to add 5 people. I tried to add the 6th person on XX/XX/2019 and Citibank wouldn't allow me. They said I have a block on my credit file. I called all three credit bureaus, XXXX, XXXX, and XXXX numerous of times and they do not have a freeze or security hold of my credit file.

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 2019-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Victim of credit report inquiry fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells fargo bank over drafted my account due to a fraud on XX/XX/XXXX and the XXXX. I didnt know untiil XX/XX/XXXX. I was not alerted. I was in the negative of XXXX i had and amoint of XXXX because i was moving my money yo another bank due to their lies and mistakes. I found out that someone used my account and left me in the neagtive. I reported it. I won my case but they used my credit or money i won to pay for the negative balance. I recieved a. Credit of XXXX but they used XXXX to put my balance back and it left me with XXXX they said i should be happy i won and that i can not dispute what they did. This wells fargo behavior is not a suprise but in the end i still paid with the money i got back. Please help me get this amount back.

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