vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I believe I have been paying my loans every month for approximately 14 years now I have paid XXXX a month for 14 years which equals XXXX. I understand that this total does not take into account interest, etc. my loans have been transferred a minimum of 4 times by different services/lenders/consolidators, etc. number one when they are coming after you for these loans you are 21 yrs old most likely and fresh out of school. The only thing you know is that if you don't pay they garnish your wages. But since you are fresh out of school you most likely don't have the salary to support such high payments. You most likely agree to " whatever '' just to get going and pay. Somewhere along the way yo hear about consolidating so you only have one payment and these companies are not helpful. do not explain at all nor educate you on your various options and their impact. I have two loans that totaled XXXX ( back in XXXX ) and as I said I've paid over 53,000 only to be seeing a statement that says my balance owed is still XXXX ( XXXX ). I currently have a fixed interest rate of 4.75 % my entire career has been in XXXX XXXX ( XXXX ) working with XXXX XXXX, XXXX or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. I need someone or somewhere that I can trust to take a look at my loans and tell me over the LIFE of them what has been happening and where my money is going because NAVIENT my current loan servicing provider was not helpful at all. They only told me that they can see that I have a special extended payment plan that was offered to me by the Department of Education and that they are not familiar with what that is, or the terms and conditions. She was able to tell me if I make any modifications to it, I will not be able to get it back because Navient doesn't offer that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation
State: CA

Complaint narrative:
My debit card was lost and then about 10 minutes after I realize that I lost a debit card I got a notification on my phone stating that my card was used at a local retail store and was charged {$150.00} I contacted the store they did nothing about it I contacted my bank they told me that we're going to do an investigation we can't give you provisional credit so you're just out of luck for a whole nother month and basically I'm out of {$150.00} I did a police report when I contacted the police they told me oh okay we could go and see and look at the surveillance but we can't show it to you because I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
As part of opening two bank accounts with Citi bank, I was promised a cash bonus as part of a promotional offer. I have met all the requirements for the cash bonus. I have contacted Citi bank several times and they keep changing their tune as to when the bonus will pay out. They acknowledge I have met the bonus requirement. They have changed the date of pay-out several times. The payment is months late. Many others report getting the same run-around from this bank.

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 2018-10-29 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: FL

Complaint narrative:
I followed all the instructions from Equifax and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. 
Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you.

10 Ways to Avoid Fraud - http : //www.consumer.ftc.gov/articles/0060-10-ways-avoid-fraud The Florida Consumer Collection Practices laws, 559.55 to 559.785. 
This indicates to me there is some fraudulent activity from XXXX and Equifax. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. 

I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. 

A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit  XXXX 's Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. 

Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against Equifax and XXXX falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.

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 2018-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.

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 2018-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX .I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
My home mortgage was transferred from Cardinal Financial to XXXX with absolutely no notification, instructions, or any form of communication whatsoever. 

I just started receiving suspicious letters from XXXX saying I had a banking account with them and needed to send them all of my personal sensitive data to finish setup of my account, which I didn't set up and had no knowledge of. 

I called XXXX, but my call kept getting dropped, by XXXX 's customer service center, to the point that I couldn't talk long enough with a representative to make any progress on assessing whether these suspicious XXXX letters were legitimate or a phishing scam. 

I checked the loan activity in my Cardinal account and saw that the most recent entry indicated a loan balance of XXXX, and also indicated the loan was removed due to release. I have received NO notification of this. 

I have no idea what is going on, if the loan has been legitimately transferred, if I should keep paying to the same place, if I need to pay through a new service, if my loan will be overdue if I don't pay to the correct institution ( if it has in fact been transferred ), etc. 

All I can ascertain is that a huge debt that is in my name and for which I am responsible for, has disappeared from the account where I've been able to access and service it. 

I've already wasted too many hours of my life trying to run this problem down with big institutions that don't seem to be even remotely concerned. Though, the second my payment is late, then they'll be concerned. 

I've worked very hard, been very responsible, and upheld my end of the mortgage agreement, only to have Cardinal and XXXX fall very short on their end. 

Cardinal and XXXX, shame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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