vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I initially signed up for college in XXXX with XXXXXXXX XXXX XXXX XXXX, AZ location. I had explained that in XXXX I would have to take some time off due to my Mother 's fight with XXXX becoming more intensive but I assured them that I would return once she was better. She XXXX in XXXX. It took longer than I had anticipated to return after her XXXX but I did return in XXXX to continue where I had left off. The school told me that I had 44 credit pending but I questioned why they weren't just transferred since I was attending XXXXXXXX XXXX and not another school and they said that because that campus had closed and that some of the credits would be transferred but not all. I kept questioning it because it was the same school just one of their now closed campuses. So I had to re-pay for some of the classes even though I was continuing in the same field. According to them they wasn't certain if they were going to have to prorate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My daughter and I purchased a car from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The car is financed by Credit Acceptance Corporation. In addition an extended warranty was purchased for {$2400.00}. The extended warranty company is XXXX XXXX XXXX XXXX , XXXX We were given a generic brochure on the purchase date by the dealer and told the agreement would be mailed within two weeks. We never received the service agreement and called XXXX XXXX to inquire they said they didn't have a copy. I called Credit Acceptance Corporation and mentioned that I never saw or received the agreement. They immediately offered to send me a copy of the agreement. I thought it was odd that they had a copy, since they are a " separate '' business entity. We started having issues with the car and called XXXX XXXX several times with claim related issues. I called Credit Acceptance Corporation and told them I was having problems with the extended warranty. XXXX XXXX ( Credit Acceptance Corporation ) told me they had reviewed claims that I submitted to XXXX XXXX. I want to dissolve this relationship with Credit Acceptance Corp for the following reasons : 1 ) Lack of privacy with personal information. No permission was given to CAC to review claims. They should not have an influence on claims. XXXX XXXX is suppose to be a totally different company. 
2 ) Had I known the '' two '' companies intermingled information, I would have selected a different extended warranty company. 
3 ) The odometer reading on the extended warranty contract reads XXXX, the Bill of Sale contract with Credit Acceptance Corp reads XXXX. CAC/XXXX XXXX  executed contracts with this huge inconsistency. 
4 ) It is obvious that Credit Acceptance Corp and XXXX 's is one in the same. This is different that what's presented to the customer.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: OR

Complaint narrative:
The Bureaus has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX. 
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service. 
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear. 
I just want that they return my {$200.00} plus the fee they charged to the card for the service. 
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me. 
I know that money is somewhere and the payments were not applied to the new card nor my money return to me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 non-monetary relief
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I live in a building where there are code violations the was determined by the City of XXXX. The current board does not response to your request or calls when it comes to the repair of their portion of the repairs. They constantly place their responsibility off on the tenants. Most of the tenants are aware of this so we have held our assessment fees. Because we have have held our assessment fees the XXXX XXXX for the building have sued people in the building and placed a lock out on the door. The XXXX XXXX changed the locks on the entry doors and my apartment door. I was called at work on XX/XX/2018, and was told that if I did not pay the {$5700.00} owed they i would not be able to enter the premises. I left work and had a friend of mine to get the money and pay the bill on my behalf. I was advised by my friend that he was not allowed to make the payment and that I had to pay the bill in person. So, I paid the bill in full but it shows that the bill is past due on my credit report. I have tried repeatedly to get a release of debt from the XXXX XXXX, the building manger, and the Attorney but they are not returning my calls. I would like to get a release of debt and for the XXXX XXXX to clear my credit and show the debt paid in full.

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 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.

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 2018-05-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
As of XX/XX/XXXX I had a credit card balance of {$810.00}. I made a payment of {$810.00} on XX/XX/XXXX and as far as I was concerned, I thought I had paid off my total balance. On XX/XX/XXXX I received a text message from Capital One stating that I had a new balance due of {$6.00}. When I opened the Capital One application on my phone I saw that the balance was due to interest. I called Capital One that day and asked why I had interest charges when I had paid off my balance on XX/XX/XXXX. The woman stated that interest is accumulated every day even though I have a {$0.00} balance. I questioned that, telling her that it's not right that they do that. She then put me on a brief hold and when she came back she said that in order for no interest to be added, I must pay off the total balance in two consecutive months. I don't understand how interest can be accrued when I have a {$0.00} balance. She continued to say the same thing over and over. I ended up ending the conversation with her because I was getting no where. My payment date for this balance is XX/XX/XXXX and I refuse to pay this. I am now concerned they are going to charge a late fee when I do not pay this and I would like this taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
Dear CFPB I was ripped off by a company claiming that they were going to help me fix my credit by settling my credit cards with 4 credits cards. I owed XXXX XXXX {$1500.00} ; XXXX XXXX {$1800.00} ; XXXX {$760.00} and XXXX XXXX XXXX {$1900.00}. I paid the com [ any {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. The company charge me {$1100.00} in fees, never negotiated any settlements and refunded me only {$560.00} when I met with an attorney and cancelled this service after realizing it was a hoax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Lender Inc
State: WY

Complaint narrative:
I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX.  Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchase a XXXX  XXXX XXXX and financed it through Wells Fargo dealer services. The purchase price of the car was {$15000.00}, by the end of the sale the total of the loan was for {$20000.00}. Now I'm not certain but that is alot of money for taxes and tags. I only had the car for a year before it got repossessed since I couldn't make the payments of {$410.00} a month. Recently I purchased another car for {$13000.00} and my loan total is {$15000.00} and this is not through Wells Fargo. I'm pretty sure they over charged me for the taxes and finance fees. I've heard that they got sued for this recently too.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Received written correspondence from Resurgent Capital Services dated XX/XX/XXXX, regarding collection of a non-specified debt. Responded by USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX challenging validity of collection attempt, requested under FDCPA no further communication with me or 3rd party, etc. ( documentation is provided within this complaint ). Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation being provided within complaint ) In violation of FDCPA, I received correspondence dated XX/XX/XXXX, from Resurgent alleging I had " requested '' a response. Impossible due to the statement contained in paragraph above. 

Responded to this XX/XX/XXXX communication again restating request to not further contact me or any 3rd party, etc. etc. Sent USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX. Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation is being provided with this complaint ) On XX/XX/XXXX, I accessed my deceased husband 's post office box in another city. I was shocked to discovery correspondence dated addressed to him from Resurgent regarding this attempt at collection. Not only is he deceased and was an attorney I gave no information to this company about him nor any indication that he represented me in this matter. This is a clear violation of my written requests under the FDCPA. 

Therefore I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Recoveries, Inc.
State: AZ

Complaint narrative:
I asked for a 'Hearing ' and they made a determination without including me in the 'Hearing ' itself. They are adding all sorts of late fees and other charges to this account which I feel is fraudulent. I sent this company documentation which they didn't receive even half of what i sent, which i sent to them via XXXX XXXX and I have a record of this. Is there no statue of limitations on a student loan which I got absolutely NOTHING out of but more bad credit and threats. This story goes on and would like to start from the beginning but will wait for response first.

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had an credit card account with XXXX XXXX XXXX XXXX that was removed from my Transunion credit report. At this present time the XXXX XXXX XXXX is added back to my Transunion report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
I am a victim of identity theft. My information was stolen and used from my XXXX address while I was living in XXXX, XXXX. I have repeatedly tried to get this off my credit report. XXXX Statie of Limitation debt credit reporting is 6 years and its been reporting for 5 fraudulently, so i dont understand why they wont comply and take it off my credit report. Automotive credit Corp, auto opened XX/XX/2013, balance {$12000.00}. I filed a police report years ago

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A fraudulent inquiry was made today on my Transunion credit report by XXXX XXXX. I was alerted via a credit reporting watch I have with Transunion. A screenshot of this inquiry is below. I called with no resolution and have written a letter. 

I have no open accounts with XXXX and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted XXXX XXXX. I sent a letter to : XXXX XXXX, Attn. : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX specifically asking to be certain XXXX XXXX was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.

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