vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 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: MN

Complaint narrative:
Fedloan " took over '' my XXXX  XXXX loans and I choose the graduated repayment option because with my job I get a small raise every year and that made fiscal sense. This disqualified me from public loan forgiveness ( which is not my main complaint ) which I did not know. My monthly payment was {$200.00} a month. I took some additional XXXX  classes and my loans went to deferment. Once I completed my classes my loans went into repayment status but Fedloan switched the terms and agreements without telling me FROM graduate TO standard repayment which jumped my monthly payments by over {$120.00} a month to {$320.00}. This happened early XX/XX/2019. I called to ask why they changed the type of repayment and them to let them know I did not have an additional {$120.00} a month but could still afford my {$200.00}. They would not help me other than telling me I make too much money for income driven but to refinance for another 10 years and that my interest rates would most likely jump so my payments would not actually be any lower than the current {$320.00}. 

So I reconsolidated with XXXX XXXX because they were the only financial institution that could get me back to the lower {$200.00} a month payment which I could afford. I made my XXXX payment with Fedloan. XXXX XXXX bought 3 of my 4 loans from Fedloan and indicated which specific loans they purchased when they sent the check in late XXXX. Fedloan claims they did not know what loans were being paid off and applied the {$12000.00} check to all 4 loans and then still charged me my full {$320.00} payment in XX/XX/2019. I called a few days before my XXXX payment was due and was told by a Fedloan representative my XXXX payment would not get pulled because they got the {$12000.00} check but it still got pulled. I have talked with four different Fedloan representatives all which give me different information. One told me my payment would not get pulled. One told me a refund would take 2-3 business days. One told me a refund would take 30-40 days. Three of them told me they did not know what loans the {$12000.00} check was for even though XXXX XXXX confirmed they sent a roster to Fedloan with this information. 

I understand customer service representatives have a hard job but Fedloan as a financial organization has been HORRIBLE to work with. Being lied to, given incorrect information and misapplying payoff money as well as pulling payments for loans that have been paid off is just a snapshot of my interactions with them in the past 5 weeks. If you have a choice DO NOT service your loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I made 2 purchases through XXXX. One for {$69.00} and another for {$20.00}. Towards the end of the day there was a change in plans and I contacted XXXX to cancel the purchase and they confirmed that they issued a refund and sent email confirmations. So I reached out to my bank ( Citibank ) and after speaking to them for the last 4 days Ive been given the run around about when my money will be back into my account. I was told a different time frame each time I called. And at this point I dont think anyone knows. But when it comes to dealing with a persons money this shouldnt happen. While this may not seem like a lot of money to most people. Its quite a bit to me. I work very hard for my money.

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 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This is not my account I have asked for the company to validate the debt and they have not I want this removed as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
Debt has been paid, but is still being reported to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
ON XX/XX/2017, MY WIFE AND I APPLIED FOR A MORTGAGE SEE XXXX   ATTACHED. WE NEVER RECEIVED ADVERSE ACTION OR DENIAL LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
Im having an issue, I looked at my score last month and it was XXXX now it is XXXX. I dont see anything on my report that would have effected it to that extent?!? Please help. 

Also I need to make sure there isn't a duplicated student loan that is still on here. Navient admitted to wrong doing and that they had duplicated my loan on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 )  which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX and XXXX, XXXX '' hereinafter referred to as " the Debt Collection LLC '' is a debt collector. On behalf of the Debt Collection LLC, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of Capital One Bank ( USA ) N.A. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Capital One Bank ( USA ) N.A. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS U S DEPARTMENT OF ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF ED/XXXX XXXX DEPT OF ED/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 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA is reporting a collection as though it just occurred and that is not the case. There has been no service with XXXX for several years. They are reporting this as a very new account. It passes from once collection agency to another and each report it as a brand new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX was granted a judgment for the amount of {$4100.00} on a personal loan I obtained in XXXX. On XX/XX/XXXX, a XXXX XXXX employee, XXXX ( name may be misspelled ), from the Legal Department called my place of employment. XXXX failed to diligently locate the Personnel Department and spoke to a co-worker. XXXX spoke to Mr. XXXX XXXX, a XXXX XXXX, who addresses legal affairs for the inmates at my job. Mr. XXXX does not address employee legal matters or issues with debt collectors. On XX/XX/XXXX, Mr. XXXX emailed me requesting I give him a call. On XX/XX/XXXX, I spoke to Mr. XXXX, who informed me of the phone call between him and XXXX on XX/XX/XXXX. MrXXXX XXXX stated a woman called from XXXX XXXX, disclosed she was collecting a debt, and is trying to serve my job a wage garnishment order. Mr. XXXX stated the woman did not ask if she reached the correct department, or if she was speaking to the right individual. Mr. XXXX gave me the phone number he was given. After I left work, I immediately called XXXX XXXX and spoke directly to XXXX and identified her as making the call to my job. I informed XXXX she called the wrong department and she disclosed my personal business with someone who addresses inmates legal issues. XXXX denied disclosing my personal matter, however Mr. XXXX had knowledge of my pending garnishment due to XXXX negligence. Due to XXXX conduct, I suffered severe distress and embarrassment as a result of my personal business being disclosed. On XX/XX/XXXX, due to my Attorneys error, I filed for Chapter XXXX Bankruptcy for the third time, which was confirmed on XX/XX/XXXX. My plan is confirmed for me to pay 100 % of my debt owed to creditors, including XXXX XXXX. A wage garnishment order was served to my job on XX/XX/XXXX from XXXX XXXX, although the debt is included in the Chapter XXXX plan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/2019 I received an aggressive and overbearing phone call from a proceedings company representing my county. They gave me another phone number to call and case number. When I called the number the woman said I needed to verify personal information or she wouldnt be able to tell me why I was being sued. So I verified the information then she proceeds to tell me that I was being sued by ACE Cash Express for writing hot checks because I defaulted in a loan. That was far from the truth of course, she then threatened that I will have to pay court and legal fees totaling over {$2000.00} for a loan that was {$500.00}. She then asks how would I like to make my payment today to stop the court proceedings. I had to tell her that I had no money to pay her. She then says that my case will be discharged from their office within 2 hours-2 days and once that happens, there isnt anything else I could do about it. I was not writing hot checks! That is a lie and they know it! The aggressive and boastful manner these people talked to me in, was almost like a scare tactic. Then not only that, why what until the holidays to try to collect on something?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019, I contacted Equifax because I'm applying for a mortgage but the current address has not been updated on my Equifax report. I have lived at this address for 1.5 years and it is correctly listed with the other credit reporting agencies. I was still that they were not able to help me and to fax a copy of my social security card along with my current driver 's license to them. I promptly faxed both along with a cover letter with the reason for the submission being that the address needs to be updated on my Equifax report. I was told that it would 5-7 business days for the information to be updated. On XX/XX/XXXX, I received a notice from Equifax dated XX/XX/XXXX that they received my documents but are not able to update my information because they can not find a current file for me. I called Equifax to try to correct the information but the customer service agent was not able to access the system due to a " system update '' and to call back in 30-60 minutes. I attempted to call again but the system was still unavailable. I tried calling again on XX/XX/XXXX and was told that they were still experiencing a system update. I attempted to call again on XX/XX/XXXX and spoke with a representative. She said that they received the fax but that my social security card is not valid and does not match their records. I requested to speak with a supervisor. The supervisor said that they are experiencing a system update and she can not access my account. I requested another supervisor and she retrieved the documents, attached them to my credit report, and updated my current address manually. She said that it will now be 30 days before the information is reflected on my Equifax report. This call took 45 minutes. Since beginning this process I have spent close to 40 hours on the telephone attempting to have this information updated. Just to speak with a representative each time it takes XXXX in the automated system and I'm often disconnected before speaking with anybody. The solutions offered are nonexistent, repetitive, and often incoherent. I've been told repeatedly that I just need to resubmit the documents or that the documents submitted were invalid. When I've asked to speak to a supervisor, multiple times it has been the same person using a different name. I would just like this information updated in a timely fashion so that I can attempt to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
last month a credit card reported at XXXX which was over the limit and my overall credit usage was 112 % i made sure to pay before the cycle printed so the account would report below the limit. the card is reported at experian as of this weekend at XXXX balance which decreased my overall credit usage to 68 % but my score is the same as it was when it reported at XXXX and 112 % -- called customer service since i have a subscription and was lied to and told ( ON A RECORDED LINE ) that experian DOES NOT SCORE ME THEY SEND THE INFORMATION TO FICO FOR SCORING AND I SHOULD CALL THEM. I was given a phone number to call fico of XXXX -- if you do not have an ext # you can not speak to anyone so i XXXX  cust svc and was able to get a rep who explained there are many different scoring models and without accessing my report she could give me general info -- i told her experian uses fico 8  gave her the information and she stated that a drop in credit usage that significant should have yielded a change in score across almost ALL models -- especially Fco 8 -- and that the rep at experian lied and should not have told me to call them because they should have been able to provide me accurate information.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi first informed me of three fraudulent charges on my credit card to XXXX XXXX on XX/XX/XXXX in the amounts of {$780.00}, {$770.00}, and {$130.00}. Per that phone call I was led to believe that these charges were flagged and removed from my statement but only a few days later did the charges re-appear. An additional phone call to Citi customer service proved to be unhelpful as the customer service representative was unable to mark those charges as fraud on his end due. I was instructed to mark these charges as fraudulent myself and upon attempting that I was unable to dispute any charges myself. I compared to my wifes account which showed that she was able to dispute any of her recent charges, but my account was not showing the same options.

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 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MT

Complaint narrative:
While working on a mortgage, I was notified by my bank that my credit score was being impacted by a medical bill debt. Upon contacting XXXX XXXX XXXX they provided me with details about the debt. It was from a charge stemming from someone with a different name and address who used my social security number. I filed a notice on Identitytheft.gov and sent them a certified letter disputing the debt on XX/XX/2019. Rather than addressing this issue the company then sold my debt to Phoenix Financial services who is now trying to get payment for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I first reported the fraudulent activity to CapitalOne XXXX XX/XX/2019. Two fraudulent transactions took place XXXX XX/XX/2019 ( {$2500.00} ) posted to my account XXXX XX/XX/2019, and XXXX XX/XX/2019 ( {$2400.00} ) posted to my account XXXX XX/XX/2019 for a total of {$4900.00} ( excluding finance and other charges ). Upon noticing the fraudulent charges I immediately froze my account with CapitalOne, and have since closed the account and filed a police report with the City of XXXX Police Department. I have also registered for fraud alerts with both XXXX and XXXX, and have at my own expense, signed up for a credit monitoring/fraud alert service. To date, from XXXX XXXX, after several phone calls and several documents provided, CapitalOne has not corrected the fraudulent transactions and the finance and other charges related to the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX we came across a XXXX listing to get tickets for the XXXX XXXX game on Sunday, XX/XX/XXXX seller claimed to have section 104 row 2 for the game selling them for {$200.00} each. He responded via text message on phone number XXXX. He requested that we send the money via XXXX to the following email address XXXX or XXXX. He said that is his email address for XXXX and XXXX and sent a screenshot of his ticketmaster account without the bar code but never sent the tickets and stopped communicating via text or calls. I transferred {$500.00} from XXXX from my Bank of America bank account. I called the bank an hour after I didn't get the tickets but they were closed and called yesterday and was told to call today and speak with the fraud department. They will not refund me for this transaction. Please help me.

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