vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: IL

Complaint narrative:
I have submitted disputes with Experian for unverified accounts on my credit report. My latest was on XX/XX/2019 via certified mail received response on XX/XX/2019. Stating that they will not re-investigate previously verified accounts without additional information provided by me. In my letter it clearly states 1 ) Provide proof that accounts are mine, i.e. original documents with signature. 2 ) Their method of verification and if they can not to delete these accounts per FCRA. XXXX  and XXXX   have deleted these accounts as they could not be verified. How is that Experian can verify these same accounts in 10 days? They can not they are just sending out generic letters hoping consumers will get discouraged or do not know their rights.

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 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I spoke with someone at Onemain and asked them not to call me at work because I am not the only who have access to the voicemails we have no full privacy at the workplace. I was really humiliated when I received a call on on XX/XX/2019 not only did the person ( XXXX ) call but she left a voice message and the most embarrassing thing is she left the a message with the telephone number and which my coworker looked the number up and knew it was a individual calling about a debt I owed. She then called again on XX/XX/2019 and left another message. 

I also received a call on XX/XX/XXXX from a individual who call from a local cell #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: OH

Complaint narrative:
On XXXX, experian deleted XXXX , but then it was reinserted onto my credit profile, without me being notified within, 5 days in violation of FCRA.

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 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The loan company Navient increased my loan interest from 3 % to 10.5 % when I was able to decrease my loan principal to less than {$5000.00}. Then when I lost my job they failed to provided my any program options suitable to my current income. They would not reduce my monthly payment and stated I didn't qualify for any programs even though I was not working for 4 months and my cosigner was unable to aide or available in the US at the time. Due to high monthly payment I was forced to no make any payments during that time. I finally opted to try to settle the claim through refinancing and getting other loan with lower interest rate.

I don't understand how I have been paying soo much for so long and still unable to qualify for any program options. They are rude in very inconsiderate in their service. They continue to bully you and cosigner and family by calling nonstop and almost threatening you to make payments you can not afford at ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
Loan service provider should be aware that court order dated XX/XX/XXXX has been uploaded for your review on this day of XX/XX/XXXX. Borrower will demonstrate to court that signature on consolidated loan application dated XX/XX/XXXX is invalid and can not be considered an electronic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Mixed file with XXXX XXXX, which has caused our credit reports to merge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My application for a barclays Card was denied. The reason for the denial is that I have sufficient Credit on another Barclays Card that I have had now for about 3 years.

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I am currently visiting family in Florida. Received a check for {$10000.00} which I had to deposit in my account using an ATM of another bank. My bank does not have any branches in Florida. Deposited check on Saturday XX/XX/XXXX. I was later told by customer care representative that I would have access to {$100.00} right away and {$5000.00} on Tuesday XX/XX/XXXX and the rest of the money at the end of the week. I could not access the {$100.00} and the {$5000.00} is not available to me either. I was told they are reviewing the deposit and the {$5000.00} may be available tomorrow XX/XX/XXXX. They are supposed to call and let me know. Have not heard from anyone as of XXXX PM. The check is from XXXX XXXX XXXX XXXX XXXX. I feel that my money is being held hostage by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My husband was given 3 MasterCard Debit cards from his work as awards. He gave them to me and since they were still enclosed in the wrapper I thought I would save them to use on a trip etc. I assumed like most credit cards you have to call a number to activate for use and I never did this because I hadn't opened them. When we were going to XXXX this past XXXX to see my daughter I opened one card and the sticker said your card is now active, so start using it so I tried it at a restaurant but it said I had 0 balance, and I tried it again in XXXX seeing my other daughter in XXXX and same thing=XXXX balance. So a week or so ago I called the number on the card sticker XXXX customer service for MasterCard gift cards and they said they could try to submit for a fee reversal on the 2 cards I had never tried to use but not the one I attempted to use. Yes there was XXXX balance and there were inactivity fees ( which I didn't notice ) applied ( $ XXXX ) XXXXXXXX  balance on the cards.I was told to call back 24-48hrs to see if a decision to reverse the fees but no response and they resubmitted it again for 2 of the cards.It just seems I'm out {$120.00} even tho the expiration on cards is 2023. Today I tried to call US Bank XXXX XXXX  ( since these cards are issued by them- and they have been my bank for 23yrs and I cant believe they would put out a card like this ) and was passed to XXXX people and then to? who told me to call the number on card. So I called the consumer financial protection bureau. Card # XXXX, & XXXX ( I tried to use this one ). Yes I didnt read the small fine print on wrapper but I didnt realize it was active till I opened the wrapper and read the sticker that said your card is now active so use it. My opinion is there should never be an inactivity fee- it should only go by expiration date otherwise its ridiculous to put an expiration date several years out if the inactivity fee will expire the use of the card within less than 2 yrs.This is quite the money maker for MasterCard/US Bank XXXX XXXX because I'm sure I'm not the only one this has happened too. I would appreciate your help in trying to recoup any funds possible from these " gift cards '' if possible. Also some state laws have no inactivity fees and no expiration of the value of the card which all states should have or the cards should retain full value till expiration date of a few years. Thank you for your help with this matter. There should be one law the same in all states regarding MasterCard Gift Cards and others about valuation/expiration date.

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 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hi to whom it may concern, I made money transfer through my PayPal account with my XXXX XXXX XXXX debit card on XX/XX/2018 in the amount of {$500.00} and was charged a fee of {$14.00} bringing the total to {$510.00} to my daughter in XXXX. when my billing statement came in at the end of the month the transaction amount of {$510.00} was included. meaning I had transferred the money to my daughter with my PayPal card. I called and explained to them that the money even though was sent through PayPal was credited to my debit card. Show me proof was requested by PayPal I gave them proof from my bank account instead of PayPal crediting me back my money, PayPal sent an email to my daughter in XXXX requesting her to refund the money. Money I paid from my own pocket. all efforts to have PayPal resolve this matter quietly and simply has failed. PayPal has gone to the extent of referring my daughter to a collection agency to collect money I paid to my daughter from my debit card.

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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The company I'm having a problem with is XXXX XXXX or XXXX XXXX XXXX. This company has caused me problems by, not removing a damaging credit report after receiving the necessary paper work to correct the issue. XXXX XXXX XXXX XXXX Bank has sent the corrections how ever XXXX '' XXXX nor XXXX XXXX XXXX  will correct this issue. 
Please help. 
My credit has been ruined as a result. 

" please do something, ask them questions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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:
In XX/XX/XXXX, the XXXX XXXX XXXX  recorded, against my credit score, a  false and untrue foreclosure. This foreclosure never took place, and a court order, to XXXX, ordered them to retract this false foreclosure. 
Subsequently, when the foreclosure was not removed from my credit score,  I wrote them, asking them to remove this false foreclosure, and other false statements that we had defaulted on payments to the XXXX XXXX XXXX, which we did not owe. 
As of todays date, XX/XX/2019, this false foreclosure is still showing up on my credit report. 
Attached are copies of 2 letters which I had sent them, and an article stating that all XXXX foreclosures are fraudulent and scams.

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 2019-03-26 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: AZ

Complaint narrative:
I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet is reporting incorrectly that I am 120 days past due on partial account numbers : XXXX and XXXX ( please see page 14 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the XXXX ( XXXX XXXX XXXX   XXXX  ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the XXXX  listed below.

Benefits offered by the XXXX include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX  for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to XXXX percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your XXXX rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I am extremely concerned about Charles Schwab 's debit card dispute process. During recent travel, I used their visa debit card at an ATM. The ATM took the money but dispensed no cash. As such, I contacted Charles Schwab to file a dispute. That was a week ago and when I called to check on it today, I was told it can take up to 10 business days just to have a reviewer assigned to it! Then after that, it can take additional time to review the claim! This is someone's debit card, meaning their cash is at stake here. 10 days to get a claim to a reviewer, then another period of time to review it is too long and can not be legal - if it is, it shouldn't be. My dispute is for a relatively small amount, approximately {$23.00} but that's not the point. What if someone experiences something larger? This dispute policy is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: UT

Complaint narrative:
A business debt was owed to XXXX and was credited off of the account effective XX/XX/XXXX for service that was disconnected. Due to the service being reactivated in XX/XX/XXXX, XXXX said after 60 days they would credit the account with the full deactivation fee to bring it to a XXXX  balance. 
- I received a call from XXXX XXXX XXXX on XX/XX/XXXX and discussed that service had been reactivated and that the account would be credited. They said they still showed the balance as open and would not be able to close it until XXXX closed the balance. I called XXXX to ask them to close the dispute because the service was back on and a credit was scheduled to be applied. They said they couldn't, but I shouldn't receive any additional calls. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and how this should be resolved and to please stop the calls. They saw it on their end and said that it should be taken care of now. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and they showed no debt on their end. 
-I received a call from Windham Professionals on XX/XX/XXXX and the debt collector hung up the call after I began to tell him that the debt was already resolved. 
-A letter was sent from Windham Professionals on XX/XX/XXXX threatening collection activities for the debt to XXXX . 
-I called XXXX XXXX customer service line on XX/XX/XXXX and asked for copies of the company 's bills to send to Windham Professionals , including - A letter was sent to Windham Professionals on XX/XX/XXXX notifying them that the debt was satisfied, the debt was disputed, to stop communication with us, and record the dispute. 
-A debt collector from Windham Professionals called on XX/XX/XXXX and claimed no knowledge of the aforementioned letter. I told him he was harassing me at this point and had been notified already of the situation. He was suddenly able to find a bill showing the credit. He did not say that it would be satisfied, merely that XXXX told him to call.

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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
LoanCare has now failed to pay my property tax for three months now, with penalties this bill is over {$1800.00} USD at this time. I have contacted this company eight ( 8 ) times by telephone [ XX/XX/XXXX ; XXXX ; XXXX ( supervisor XXXX XXXX ) ; XX/XX/XXXX ( supervisor unknown ) ; XX/XX/XXXX ; call back XX/XX/XXXX ( supervisor XXXX # XXXX ) ; XX/XX/XXXX ; XX/XX/XXXX ( representative XXXX ) ] and spoken to three different supervisor that gave me three different resolution dates. The last resolution date give was XX/XX/XXXX but nothing was accomplished. I need this tax bill paid before it has an effect on my mortgage, my credit and my security clearance.

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We received a letter saying our account was missing important information and if we didn't get in touch by XX/XX/19 it would be closed. We called the number on the letter and were told they couldn't tell us what the problem was and we had to go into our branch. We contacted our branch manager who also couldn't give us a clear answer. We then asked when the account would be closed and our bank manager couldn't tell us. We called, went into the branch and spoke to her, and also called the number on the letter again and spoke to a supervisor. No-one is able to tell us when our account will be closed only that it will be closed. Now our debit cards have been blocked and we can't access online banking.

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