vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: FL

Complaint narrative:
THere requesting proof that i didn't have a high school diploma at the time of enrolling and i've submitted several time my transcripts ( see attach ) XXXX XXXX shows i received a certificate of completion and blue shows my GPA it even goes on tp the date the transcripts were printed underneath the XXXX XXXX to show i still to this day do not have a High School Diploma or GED per the XXXX XXXX XXXX XXXX XXXX. 
Also to add XXXX XXXX XXXX XXXX XXXX can not provide such a letter your requesting per the school Board and the State of Florida Rules. The Only thing they can provide is a letterhead that says just what my transcripts say. 

Then they ask me to get proof that i didn't do a competency test from XXXX and i did inform them that time i was enrolling they didn't ask me and when i did ty to get this info was not on file and furthermore XXXX required high school Diploma they were not a trade school and only trade schools did competency test.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: TN

Complaint narrative:
XXXX and XXXX  have removed the inaccurate accounts on my consumer report, however, Equifax refuses. I have police reports, FTC reports and everything they need to show this information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Company : Caine and weiner submitted a collection against myself I found out about the collection a year after when I checked my credit report. I didn't know about the collection as Mr XXXX XXXX have used harassment calls in the past which I thought the collection agency was part of his harassments. 
I called the collection agency on the XX/XX/XXXX and requested to provide an invoice in which they filed the collection againest, they have not provided any reports. 
I also sent a certified mail requesting the invoices that allowed them to file the collection against me in which they have received the mail on XX/XX/XXXX and they still have not provided any proofs. 
I requested them to remove the collection against myself and up till now they are refusing to remove it. They have submitted a collection without any proofs which violates federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this issue.

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 2019-09-24 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: NV

Complaint narrative:
equifax has XXXX as negative and i am going to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. On today, XXXX XXXX, 2019, I attempted to file a dispute online and was directed to contact Bank of America disputes department at XXXX XXXX XXXX. 

2. I spoke with XXXX, who stated he could not process my dispute until I returned the item to the merchant. 

3. I asked for his ID and he said he has no ID to provide. He said it's private for internal use. 

4. I ask for supervisor, saying I'd prefer to speak with someone who can provide an ID #. 

5. The supervisor, XXXX, says she has no ID ; no supervisors have ID at Bank of America. 

6. XXXX says there is no one higher up with whom to speak, no one with an ID with whom to speak at Bank of America. 

7. For a large company like Bank of America, with hundreds if not thousands of agents, it is unacceptable to not have ID # s for agents that customers can use as a reference in future conversations. XXXX admitted he was not the only XXXX in Texas, which was his call center location, which means that if the call is not recorded and I say I spoke with XXXX, I would be told there are multiple Cesars and no way to verify with whom I spoke. 

8. If internal ID # s are private for some reason, then Bank of America can come up with a second ID # for external use for each agent.

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Chase customer for approximately 5 years. I had a checking, savings, business account, custodial account and one credit card. The slate credit card did not offer the benefits the other cards offered and they would not lower the interest rate. I have never been late on a payment and recently paid the card off in full. My payment history with ALL my accounts is 100 %. My utilization was low. I was approved for the Southwest Airlines card and freedom card which would have allowed me to close the higher interest cards I used to build credit. I will be traveling in the future and the Freedom card offered 0 interest and rewards the Southwest card offered airline miles. 2 days after activating my cards and meeting the limit Chase encourages its customer to spend to get the rewards offered, ALL 3 of the cards were closed including the slate card which I have had since 2017 when my credit was not as good as it is now. There was no prior notice and this will negatively impact the credit I have worked so hard to build over the past several years. What changed in 2 weeks time? Why was I approved and then shut down as soon as I activated my card and made a charge. If anything they should have denied my application and then I would have just had an inquiry not 3 closed accounts. I have made arrangements to pay each card in full by the due date. I even asked them to close my slate and lower my limit. They would not budge on the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
In order to make payment arrangements for my past due student loans, I set up up an arrangement with Discover Student Loans to make 3 payments on each of my accounts amd once the payments are made the accounts would return current. The payments were setup for XXXX amd XX/XX/30 on XX/XX/XXXX. The payments were withdrawn from my account on for XXXX. Yet in XXXX I received notification that my loan was charged off. I was told if I made the payment by the end of the month in XXXX the loans would not be charged off but the loan was still charged off in error. Now my credit report is showing a charge off and a derogatory mark. The payments were set up for XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: Lendmark Financial Services
State: NC

Complaint narrative:
HIS IS NNOT A DUPLICATE. I reported fraud and identity theft since XXXX to all credit reporting agencies and XX/XX/XXXX I pulled my credit reports dude to being denied a loan. 
Lendmark financial Services # XXXX XXXX Georgia placed a hard inquiry of ON XXXX XXXX XXXX On my XX/XX/XXXX XXXX credit report I recently received it is entered and recorded a hard inquiry that impacted my credit. Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Date of XXXX XXXX XXXX As per attached screenshots. 
I did not authorize Lendmark financial to do this inquiry.

I want Lendmark financial to disclose this hard inquiry of XXXX XXXX XXXX when I did not apply for credit or a loan on this date. 
I request production of the documents relating to this hard inquiry asap to me only XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX the names of the person address and phone numbers ip address and email and etc used to obtain credit in my names. 
Thank you Lendmark financial Hopefully you can find my hard inquiry info this time as your company has denied this to to you could not identify the info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We have requested to see the original note after numerous applications for a loan modification that is continually denied due to '' best available terms. ". No explanation is ever provided why they are best terms. The interest is higher than the current interest rate for more than 4 years,. We were refused access to seeing the note because they stated it is " an undue burden ''. Their attorney XXXX XXXX XXXX also ignored our numerous email requests and request by certified letters to PHH. XXXX XXXX XXXXXXXX has now scheduled a foreclosure for XX/XX/XXXX with notice given on XX/XX/2019. This is a violation of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX Pep boys store id # XXXX i purchased and had pep boys install a supposed brand new starter on my XXXX XXXX well the problem is the starter didn't last but a nearly a week I purchased this starter with pep boys credit card which is rubbed by Synchrony car care I spoke to pep boys about this issue which was ignored after several phone calls and also spoke too synchrony car care representative who said he would look into the situation..about a month later I get bill for the services rendered which was XXXX my issue is I don't think I should be liable for a starter that didn't last a week it's not right..now I'm getting harassed by the Credit card company for payment and no one wants to take responsibility for this.Why should I be liable for there product that didn't last a week.please help me im a single father in a tough situation I don't have XXXX $ to give them for a failed starter.What can I do?

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I decided to return to school after having my first child in XX/XX/XXXX. I finished the program with a XXXX GPA and was ready to get to work. The whole premise of the XXXX XXXX was that they promised employment upon completing the program. After graduating in XX/XX/XXXX it took over and a year and a half to find employment. This caused a negative stress on my finances and shortly after I found out I wasn't alone. In the summer of XX/XX/XXXX The XXXX XXXX was investigated for fraudulent behavior and was forced to file chapter XXXX bankruptcy because of exact cases like mine. It has been a 6 years since this has taken place and at this point I'm trying to do the best to move on. 

The accounts are have recently closed but still negatively impacting my credit score. I'd like to request that the following closed accounts be removed : US Dept of Education- opened XX/XX/XXXX - closed XX/XX/XXXX Dept of Ed/ Nelnet- opened XX/XX/XXXX- closed XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have attempted multiple times to online freeze my credit with Experian. 
The online response is that they are unable to place the freeze, and to send a bunch of information through the mail to them. That is insane, like i am going to use the us mail to send a social security #, dob, and other vital information!!? 


This was all necessary due to the data breach at another credit reporting bureau -  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 2019-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
Prior complaints were made against Avant Credit and directly against the issuing bank, XXXX, pertaining to terms of a loan which were not disclosed at time of application/approval. Avant claims they were disclosed when in fact they were not. The high interest rate was not disclosed at the time of loan approval and payments ceased on the loan after attempts at lowering interest rate were unsuccessful. Avant has not provided any proof I agreed to the terms of the loan and does not have my signature on any documents agreeing to such terms. Avant refers to screen shots in prior replies to complaints, none of which they have shown.. The attempts mentioned prior include speaking with a XXXX XXXX directly at Avant as well as XXXX XXXX at XXXX whom I was not able to reach, calls from my number were not accepted and had to call from a different number. Once I was able to reach a rep at Web-bank, I was told Mr XXXX does not accept calls. Mr XXXX defended the high interest rate and would not agree to lower it or offer any other kind of remedy, he was advised payments will cease on the loan which they have. The last payment made was sometime in 2015, Avant is still reporting my account on my credit report, adding on interest and fees as a way to harass and also harm my credit score. Avant is aware of my dispute and will not resolve it, expects me to pay the high balance and interest which is at or around, {$16000.00}. The original balance is {$6800.00}, Avant is clearly adding on interest and fees as well as reporting the account to credit bureau ( s ) in an attempt to get me to pay which will not happen unless they agree to resolve my dispute over high interest rate. Their last reply closes with requesting me to call customer service to make payment arrangements which again, will not happen unless they agree to waive interest/fees, lower interest rate. In closing, please advise Avant they can continue to add on fees and interest but again, they will not see any further payments unless they agree to resolve my dispute. I am currently speaking with an attorney to see if what Avant is doing in regard to credit reporting is legal or not, it appears Avant is still reporting my account well after the contract end date..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I XXXX XXXX am trying to resolve a debt situation, whereas I made the mistake of signing on for several cell phones where relatives were supposed to pay the invoices. However, they reneged to pay directly to XXXX XXXX XXXX XXXX, or even pay me directly. I attach a settlement offer from IC System for 55 % on the dollar. That is generous, but not affordable. I am really pressed for any cash, and I respectfully request a lighter settlement in the vicinity of 20 %, or {$500.00} one time payment. I will need to borrow some of these funds, but I desire to put this experience behind me. Thank you for your consideration in this matter. 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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage was transferred from XXXX to XXXX/LoanCare, LLC on XX/XX/2019. And when I started making payments to LoanCare, they been mis-handling my payment of $ XXXX/month.

Up-to-today they haven't fix the problem, despite my numerous phone calls and correspondence. They keep saying that I'm short on my payments when in fact I been sending those payments before the first of the month. 
They keep on failing to make the promised corrections when I talked to their representatives. 
I hope that your office would be able to assist me in this regards. 

Thanks XXXX XXXX XXXX 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 2019-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I paid the remaining balance of my Bank of America credit ending in ... XXXX. Balance showed {$0.00} so I called B of A and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days from this credit card. It shows a balance of {$37.00}. B of A charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a B of A representative at my local branch and he said B of A should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation