vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
I have made multiple attempts both recently ( two days ago ) and in the past as well to get in contact with XXXX XXXX University XXXX. In the fall of XXXX I signed up for two classes. I received no credit from XXXX XXXX because they would not access my financial aid even though I had been awarded it. I repeatedly sent the information they requested yet they continued to ignore me and not access the financial aid that had already been approved by FAFSA. Despite this XXXX did not access my account. Therefore, I did not attend the classes because I did not have the financial aid to buy the books required. Once I figured out that the school had no intention of accessing my financial aid it was too late to drop the classes. All of this was done while I was working diligently to get all documentation that they wanted, with no response from the financial aid office at XXXX. I had an awful experience at XXXX and could not get any assistance ( no matter how many times I tried ) from the financial aid office or my advisor. XXXX has now sent me to a collection agency by the name of Williams & Fudge , Inc for the amount of {$3800.00} for classes that they did not provide to me. I never received one call, mail, or email notifying me that I had an outstanding balance or that I was at risk for being sent to collections. The only reason I found out I had this balance is because I tried to order my transcripts for a new school that I am attending on XX/XX/XXXX. When I tried to order my transcripts I was unable to due to a hold. I then called the financial aid office asking why there was a hold and they told me I had been sent to collections for {$3800.00}, shocked I asked to speak with someone in charge and I was put on hold and then hung up on. Fast forward to now a week later XX/XX/XXXX, I oddly get a statement in the mail after not getting one at all this entire time. Seems too coincidental that after all this time I get absolutely nothing notifying me of my outstanding balance, but now all the sudden I get a statement after calling the office about a hold on my transcripts. I have read many reviews of XXXX XXXX University XXXX and there are dozens of stories just like mine, it is upsetting that this institution makes double the profit from financial aid students trying to get an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've disputed this XXXX account several times. This account was not investigated by Transunion, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I went to XXXX XXXX of XXXX, la. & used my XXXX moneycard to make a withdrawal from the chase atm. I made a withdrawal of XXXX dollars, with atm fee charge of XXXX dollars, but i notice once i got the receipt that i was charged another XXXX.This was today, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have a collections account with Diversified Consultants, Inc. XXXX for a XXXX XXXX account which is not accurate. account ends in XXXX I have tried to get copies of this invoice from XXXX XXXX as well as Diversified Consultants, Inc.and have never received it on an account that was previously paid off. 
They are incorrectly reporting on my credit reports that the debt is legitimate although they have not provided me with proof of the debt ( even thought I paid off this account years ago ) and they are now refusing to remove the debt from my credit report. 
My name is XXXX XXXX, XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I am in the process of disputing a transaction for {$740.00} with Citibank NA. This transaction was charged to my bank twice, and disputed twice. I was given a provisional credit for the first dispute. When I filed the second dispute, I also created a stop payment, which prevented the funds from being removed. Because of the stop payment being in place, and the funds not being removed, I did not receive a second provisional credit. Citibank, however, debited {$740.00} from my account on XX/XX/2019. When I spoke with them about this, I was told they were removing the provisional credit from my account for the second dispute. I tried to explain to multiple representatives and supervisors I never received a provisional credit for this, and they were taking my bill money. 

I am required to be given proper notice before they remove funds from my account, and I was given none. They are claiming they sent me a letter, but this letter was never received. If they had of in fact sent me a letter, I would not have been on the phone with them for three hours today being ran around in circles after the fact. I'm supposed to trust Citibank with my money, however, when I put my bill money in my Citibank account, they help themselves to it without notice. I am not being placed in a financial hardship as a result of them stealing {$740.00} from me without notice. They were not supposed to take this money, as no credit was given a second time. They were also supposed to notify me, they did not do this. As a result, I can not pay my bills. They refuse to return the money and give me a proper notification of removal at another 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 explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed these two accounts with this collection agency and they remain on my reports. They have not provided proper verification or response within allotted time LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX Account # : XXXX Balance : {$1100.00} Open Date : XX/XX/2019 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/2019 {$900.00} {$900.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor Transunion, XXXX   or XXXX  provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.

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 2019-09-06 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: LA

Complaint narrative:
I have never been to these companies to apply for credit they were removed from the other bureaus XXXX and XXXX please remove these because I never gave no one permission to run 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc.
State: FL

Complaint narrative:
I was admitted to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX FL on XX/XX/XXXX, Ref # XXXX with XXXX XXXX XXXX. I was there for about 6 hours and care that was provided is unacceptable, as well as treatment. I was prescribed 5 different medications, but wasn't explained what are they for and how it should resolve my XXXX. I followed instructions as prescribed and my condition didn't improve at all, I was worse. 
I called XXXX on XX/XX/XXXX for additional instructions, my XXXX XXXX XXXX  had increased and I was told to come back to XXXX. Due to my increase XXXX XXXX XXXX, I was not comfortable going back to XXXX because of their concern about money and not my care as a patient. 
I contacted my primary care physician on XX/XX/XXXX who was out of town, the on-call physician was out-of-network. Desperate for pain relief and concerned about my dangerously XXXX XXXX and I was placed under the care of the only physician available. 
I received a bill from XXXX 4-5 months later with outrages charges - one of them was XXXX XXXX for {$7600.00}. Not only did I receive astronomical charges, but I was forced to seek additional urgent medical attention. I feel these medical practices were unfair and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through XXXX XXXX XXXX. XXXX XXXX did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.

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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 my credit report from XXXX was alerted that an account was reported opened under my name the bank name is XXXX XXXX Bank this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my XXXX  services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.

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 2019-09-06 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: CA

Complaint narrative:
On XX/XX/2019 my credit report from Experian was alerted that an account was reported opened under my name the bank name is XXXX XXXX XXXX this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my Experian services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.

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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank put me in a fee generating account two years ago without my knowledge and has been charging me {$13.00} a month for the last two years. I believe it all started when I visited a branch and one of the tellers tried to up-sell me into an interest checking account. I told her that I wasn't interested because I don't keep enough of a balance to cover the minimum they were demanding. The teller must of done it anyways because I just noticed that I have been getting charged {$13.00} for nearly two years. I didn't realize they were charging me because I don't look at my statements often enough, because this is NOT my primary use account it's only a backup account for me. I immediately called them to complain after realizing this and they were accusing me of being negligent. I provided them statements showing that before the fees were bing applied, my account was a free checking account and I asked them to provide me the evidence that I chose to convert it to this new fee account. They refused to discuss the issue and told me to just close the account if I wasn't happy. I believe that the teller from my visit may have converted my account to meet a quota and never expected me to find out because I don't check the account often enough. All my attempts to reach their corporate office were met with them refusing to admit their mistake and greed attempt to capitalize from my account. I am left with only this option and I hope that it gets somewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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: LA

Complaint narrative:
I have a debt with XXXX XXXX dated 2017 XXXX XXXX bought the debt and run a inquiry on my crwsit when they want to. 
I have a ibquiry from XX/XX/XXXX and XX/XX/XXXX I called them they say that they can do it as long as I'm in debt the orignaly inquiry in from 2017 now I have 3 and twonin a two month time spand when I nwve autorize them or gave them permission or mm y I'd or aigned a contract with tower loans

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 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received Fed Direct Loans when I was at XXXX XXXX University and at University of XXXX - XXXX XXXX. The Fed Direct Loans would be eligible for Public Service Loan Forgiveness Program, which I have been participating in for over 10 years, working for XXXX XXXX  and a XXXX XXXX. 
After graduation, Navient ( then Sallie Mae ) solicited me for loan consolidation. They actively solicited on campus, email, and direct mail marketing to me and other young recent graduates. They never advised, told, asked for permission, or gave me any information about re-categorizing my loan so as to make it in-eligible for Public Service Loan Forgiveness. I made over 10 years ' worth of on-time payments to my loans while working in public service. I submitted the annual check-in form to document my  employment status. Navient / Sallie Mae never advised, informed, asked for consent, or gave any other information that they were treating my loan consolidation as ineligible for the program. It was only after 10 years of payments that they tried to tell me that my loan is not an eligible type. I have my original loan document showing that all of my loans were Fed Direct Loans that should qualify. Navient / Sallie Mae changed the category of my loan without my knowledge, consent, or information, and therefore made my loans ineligible for the program. This is not right and an abuse of their position. Thank you. I am not the only borrower with this complaint. It appears to be a systematic practice of deception and misinformation by this company to abuse and take advantage of young college graduates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Wishing to pay off a loan serviced by LoanCare Account Servicing ( " LoanCare '' ),  the XXXX obtained a payoff on or around XX/XX/XXXX that showed that they owed a balance of {$290000.00} on the loan, of which {$150000.00} was purportedly interest due. However, the XXXX have been paying this loan since XXXX and contest that this is the balanced due. The XXXX believe that loan is already paid off or should be close to being repaid in full. As such, since XX/XX/XXXX, Mr. and Mrs. XXXX have been trying to get a complete payment history for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire payment history for the loan. The documents, nevertheless, clearly did not include the entire payment history for the loan. 

As such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be audited. The attached letter is their request to LoanCare, via their attorney, for the audit ( the " Demand Letter '' ). Via letter dated XX/XX/XXXX, also attached, LoanCare acknowledge receipt of the Demand Letter. It also represented that, in compliance with federal law, it would send a detailed response no later than 30 business days from the date it received the XXXX XXXX complaint. Assuming it received the Demand Letter on XX/XX/XXXX, LoanCare 's detailed response was due on XX/XX/XXXX. However, to date, neither the XXXX nor their attorney XXXX XXXX have received any response whatsoever from LoanCare. 

On XX/XX/XXXX, Ms. XXXX contacted LoanCare at the phone number in its letter of XX/XX/XXXX. She spoke to a representative at LoanCare 's Georgia office. Said representative then contacted the XXXX office while Ms. XXXX was on hold. The representative said that the person who conducts the audits had not gotten the information, but that she has spoken to another agent from the XXXX office who would be providing it to the person in charge of audits. The representative from the Georgia office offered to give Ms. XXXX the email of the person in charge of audits. Ms. XXXX advised the representative that if she was going to provide her the email of a XXXX XXXX, doing so would be futile, as Ms. XXXX had previously emailed Ms. XXXX on the issue, and had received no response. This is detailed in the Demand Letter.

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