vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY Equifax showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to Equifax. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from equifax ... note : IT'S MY ONLY BLEMISH ... 
Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. 

Reporting Inquiry : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.

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 2018-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
This complaint is being directed against American Education Services, XXXX XXXX XXXX XXXX, Pennsylvania XXXX -- -- Fax XXXX XXXX. The loan number is XXXX. 

In 2006, {$10000.00} was loaned to XXXX XXXX XXXX and myself, XXXX XXXX XXXX, as co-signor. Since then we have paid on this loan and are up to date and our balance after 164 payments, and 11 years of paying, is still over $ 7,000.The APR is 11.295 % and the total moneys we are slated to pay is {$39000.00}, which is four times the borrowed amount. We have been told that the government considers this a PREDITORY LOAN. 

The total we have to pay monthly is approx {$83.00}. In our advancing years this is causing a financial hardship and is straining our budget more with every passing year. 

We have already paid more than {$13000.00} on this preditory loan, and it is increasingly wreaking havok with our budget. 

We, therefore, are willing to pay {$3000.00} to completely payoff this preditory debt and receive a release from any and all further debt to AES and XXXX XXXX XXXX and it's assigns. We are willing to settle within 5 days from AES 's acceptance and we will pay you in a bank certified check. 

We hope you will approve this settlement so that we do not have to resort to litigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX, & Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?

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 2018-09-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/2018, XXXX, Experian, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?

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 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every morning, for the past several weeks, beginning from approximately XXXX PST, and sometimes earlier, I have been receiving a series of harrassing phone calls from XXXX XXXX XXXX from the following number ( XXXX ) XXXX. 

These phone calls are repetitive every 30 seconds or so at least 4 times. I work nights and am generally still sleeping at XXXX XXXX -- I have tried to explain this to PayPal representatives with no change ini their tactics. 

call log : ( for past week only, previous weeks have been similar ) XX/XX/XXXX -- 6 calls between XXXX-XXXX XXXX XX/XX/XXXX -- 2 calls between XXXX -XXXX XXXX XX/XX/XXXX -- 6 calls  beteween 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 2018-09-26 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. 
I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
i have lived alone at my address for 11 years as owner. over the last year receiving from XXXX XXXX XXXX-XXXX ca a bill for some unknown person. that info is XXXX XXXX XXXX for XXXX ( including interest ) the account is XXXX. I have returned mailings, called them and got hung up on and i have ignored the mailings. Now it has gone to collections ( california business bureau , inc ), i called and got scolded for opening someone else 's mail. She said she  would notate the name difference. don't trust that that will end the situation. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I payed off half of my credit card bill with the promise that the next payment would automatically be taken out the next month ( XX/XX/2018 ) I canceled the card at that point. For whatever reason, the debt collector did not take my automatic second payment which we agreed upon and now I owe a past due amount of {$130.00} in total. I do not want to do this because it was an error on their end. The collection agencies for XXXX XXXX are relentless and they call me all day and all night from random numbers, including XXXX area codes and no name numbers. I spoke with XXXX XXXX about this as well and they were no help whatsoever. I only used this card one time and canceled it with the acknowledgment that the second and last payment was going to be taken out of my bank account in XX/XX/2018 and this is still happening, ruining my credit score and accumulating interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Back in 2006 took out the first year of college loan in the amount of {$14000.00} second year took out loan for about {$15000.00}. This particular loan has been sold several times. 
I have paid for 144 ( 12 years ) back on this loan both together around $ XXXX/mo. = which equals {$34000.00} that has been paid back on loan.

Statement as of today I still owe {$13000.00} on one and XXXX on another. Called the current owner of the loan Navent requested original documentation of loan from 2006 and how payments have been applied. Waiting to get this information BEFORE I pay another dime to them. 
Refusing to pay them back ... I have already paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was denied of a credit card based off of some identity verification issue. They never asked me to send in any documents to verify my identitiy, they just denied me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Waterfall Revenue Group
State: TX

Complaint narrative:
They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested my TransUnion credit report online in XXXX through XXXX. I was advised to request the report by mail. I requested the report by mail on or around XX/XX/2018. TransUnion did not respond to my written request. I tried to create an online account with TransUnion to request my report on XX/XX/2018, and that account will not give me access to my credit report, either.

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 2018-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XX/XX/2018, I tried to close a XXXX balance HELOC with Bank of America. They did not close the account due to the charge of a XXXX dollar re-conveyance fee. After I was informed of the XXXX dollar fee, I paid the fee and they still will not close the account because they decided to impound flood insurance. I have an elevation certificate, so I do not pay flood insurance anymore. They started charging me flood insurance ( I do have a first mortgage on the home and they do not require flood insurance ) When I pressed the B of A flood department for more information, they lacked basic flood knowledge. The did not know what a LOMR was or what pre-firm meant on a flood map ... ( real experts ). They told me to call FEMA ( which I love to do during hurricane season because they have nothing to do ). I do not have time for their incompetence. I asked several times for a licensed individual to talk to or someone with an NMLS number that could be held accountable. They did not provide anyone who was licensed despite numerous requests. 

I asked them to close account in XXXX ... still not done

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 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
( 1. XXXX ) In XX/XX/2018 I spoke with XXXX XXXX XXXX store card to ensure my payments would be allocated to promotional balances. 
In XX/XX/2018 I was charged interest so I called in to inquire as to why and they talked me through selecting this online ( even though I had already done this in XXXX. Today I was updating my budget in preparations for the holidays and noticed approximately {$160.00} in fees that resulted because my payments were, again, not allocated. I spoke with a supervisor who said " this does happen frequently but you know, we do expect you guys to check in every month. '' She refused to pull recordings of past conversations or verify who/how my selected allocation preferences were changed and said that she was unable to assist in recovering these funds in any way. 

( 2. XXXX ) In XX/XX/2018, I was solicited at a gas station to take advantage of an amazing promotion : 5 % cashback for nonfuel purchases XXXX cents per gallon in fuel credits up to {$1000.00} purchases XXXX cents per gallon in fuel credits for every gas purchase We were going on a month long road trip and these promotions sounded perfect- I would make payments every few days and could get all of our gas, other purchases, even pay bills back home. 
The card was consistently declined, despite the money being out of my bank for nearly two weeks at a time. 
Once the payment did " clear '', the purchases I would make would also take longer than usual to appear. 
This caused a number of hardships for us : we were not able to purchase or make payments toward things we needed because they took our money out of the bank but withheld it for so long ( multiple difficulties and additional funds/fees from our other sources ) It also frequently made the very promotions they solicited us with, invalid ( roughly {$400.00} ). 
I called for a supervisor twice and was told none were available.

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.

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 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PR

Complaint narrative:
account number XXXX is not my debt because I send the equipment ... I dont have debt with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation