vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have learned that LVNV has listed two erroneous accounts on my credit reports. The amount for each tradeline is almost identical to the penny. These are not my accounts. They weren't my accounts. They also show as OPEN collection accounts in violation of the Fair Debt Collection Practices Act and the California Rosenthal Act. I've disputed them directly with LVNV who has refused to validate either account. I have disputed with the major CRA 's, but LVNV has " verified '' the information with the CRA but fails to delete tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I had canceled a previous insurance policy to get a new and updated policy. I was told that I would get a new policy with a new payment and that the old policy would be canceled along with the remaining balance. I received no phone call or letter informing me of the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This is my second complaint-My complaint continue against XXXX who uses a debt collection company name Diversified Consultnts. Diversified Consultnts have continue to show a balance of {$3100.00} on my credit report, after I have satisfied this account years ago. The account continue to show Open with a opening date of XX/XX/2019. I filed a complaint on XX/XX/2019, which included XXXX and XXXX, XXXX was removed from my account however, XXXX remain on my account. I have disputed this issue many time over and still the situation have not been resolved. I do not owe this debt and this predatory company should not continue to pull down my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: SANTANDER BANCORP
State: PR

Complaint narrative:
My account was hacked. I sent a claim but my money was never returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Complaint ID XXXX-XXXX US Bank stated they never received military orders. I sent them two weeks ago. See attached and want A RESPONSE DIRECTLY SENT TO ME AS WELL. MY MARRIAGE CERTIFICATE WAS ALSO SENT.

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 2019-09-16 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: PA

Complaint narrative:
I am a former graduate ( times 2 ) of the now closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA campus. Admissions " counselors, '' financial aid " advisors, '' and other staff were very misleading about the ability to find a job with their programs. After graduating summa cum laude with a 3.96 GPA in XX/XX/XXXX, I realized that my degree was useless. Upon advice from " admissions counselors '' I could ABSOLUTELY go for the XXXX XXXX program to not only extend my deferment but to also " pad my resume. '' So, I did. They're admissions counselors right? They know what's best right? Sure. I graduated a second time with an XXXX XXXX XXXX in " XXXX XXXX '' to find out that it is also, worthless. I was working for a ( now defunct ) debt collection lawfirm as a XXXX  and upon notifying the head attorney of the firm that I graduated, he stated to me verbatim, " I'm not paying you more, I could have started you at {$10.00} an hour. '' I quit. Since then I've been working dead end jobs in fast food and retail just to get by, let alone pay for massive debt incurred from XXXX. Which brings me to the reason for my complaint. 


Navient never told me that I could qualify for an IBR or anything really until I was already in forbearance. I  explained to them on numerous occasions in XX/XX/XXXX-XX/XX/XXXX about this. They advised me that foreberance was the only option. So not only did I fall victim to a predatory school and believed their lies TWICE, but now, I'm stuck with a foreberance which could have been avoided. I have since contacted the XXXX the " escalated '' navient line, and I also filed a report with the ombudsman. 

Navient is predatory. XXXX, XXXX XXXX, and XXXX XXXX XXXX college are all predatory. This isn't right, and now we suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: GA

Complaint narrative:
This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.

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 2019-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: CA

Complaint narrative:
This company AFNI sent me a collection letter stating I owe {$630.00}. dated XX/XX/XXXXThe CFPB should note this debt collector started his collections Activities few days ago with harassing phone calls. Please refer to CFPB complaint # XXXX. 
Since they sent me a debt collection letter stating I owe {$630.00} to XXXX, I believe around XX/XX/XXXX I disputed this amount its totally even I went further I escalate this issue to the FCC Case # XXXX against XXXX, They never sent me nothing in writing within the 30 days process setup by the FCC about this Fraudulent Debt, so instead after One year  and 1/2 XXXX Hires this debt Collector to try to collect a Fraudulent Debt it was fully disputed around XX/XX/XXXX with the FCC, XXXX never responded to my FCC complaint. I'm attaching my Statement of Fact Letter as well to dispute this fraudulent debt against AFNI and the Copy of the email I received from the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-09-16 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: PA

Complaint narrative:
I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I received a Care Credit credit card through Synchrony bank. I charged {$1500.00} with a promotional period that allowed me to pay off balance by XX/XX/2019 and not pay interest. Every month I paid {$120.00}. On XX/XX/2019 the remaining balance I owed was {$220.00}. The company charged me {$310.00} interest on this. They claim the agreement says if balance was not paid in full they can charge the 26.99 % interest rate on the original balance, not the remaining balance.This is explained only in the last statement before it is too late to pay off before promo period ends. In all other statements, it states that the interest is based on the daily balance. I explained to them this was not clear and had this been made clear I would have paid it off completely before promotional period ended. They were unwilling to credit me the interest or at least charge me interest on the remaining balance and credit me the difference. I think this is unclear and unethical business practices that they are purposely making confusing so consumer is not awzare and winds up paying much more in interest than intended.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
Debt Recovery Solutions ( XXXX XXXX XXXX ) was set up on my checking account and they continue to deduct payment out of my account even after they was paid off. I received several phone calls from Debt Recovery Solutions threating to put out a warrant for my arrest for blocking them from going in my account. As of XX/XX/XXXX, they are still reporting to the XXXX with a balance of {$350.00}. The opening date shows XX/XX/XXXX, and this is also incorrect. I do not owe this debt and I feel that this predatory company Debt Recovery Solutions is harassing me and continuing to pull my credit down for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-09-16 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Credit Solutions
State: OH

Complaint narrative:
I received a threatening telephone call today from a collection agency named XXXX XXXX XXXX ext # XXXX. The female collections person stated that I owed {$550.00} on an old credit card with XXXX XXXX. The collector said that if I don't pay the {$550.00} today then she would start calling my job and harassing me. The female collector also wanted me to give her my debit card number and I told her no that and that if I owed this debt I asked her to send me a statement via email she would not comply. I also told her if I owe this debt then I would pay by check depending on the payment options that they can give me once it is verified that I owe this. Can you provide any assistance? I don't want this collector to call my employer, harass me, and I wind up losing my job.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AC AutoPay LLC, Denver, CO Branch
State: NJ

Complaint narrative:
On XXXX I agreed on a purchase price with the seller for a XXXX XXXX XXXX on XXXX. I was then contacted by their financing partner AUTOPAY on XXXX who claim to provide stress free financing where they take care of all paperwork and essentially act as a middle-man dealer between two private parties. Between XXXX and XX/XX/XXXX I provided all requested documentation and was approved for a loan. Final loan documents were then supplied by AUTOPAY, with numerous errors ( counterparty name, interest rates, and other crucial pieces of information ), after notifying the firm of the mistakes the loan documents were resent and finalized by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX AUTOPAY did not return any requests for information or status of the loan. On XX/XX/XXXX the lender requested a few final pieces of information, all of which was provided within hours. I was then instructed to wire AUTOPAY the down payment, which was sent and confirmed received on XX/XX/XXXX. After confirming the receipt of the wire, AUTOPAY stated it would be a few days maybe when I inquired as to when I could pick up the car and register it. Following this promise there was minimal communication until XX/XX/XXXX when I was told it would be completed by XX/XX/XXXX no problem. On XX/XX/XXXX there was no communication and when I called to inquire they acted as if they did not know what the hold up was. Since XX/XX/XXXX they have made no progress and continue to push off giving explanations as to what is taking so long. 

Not only have I had to correct loan documents, and title process ( they were grossly unaware of how titles work in NY state ), but I have also spent countless hours on the phone waiting on hold just to be disconnected or told they will call me back which has rarely happened. 

To date I have not only paid them a {$490.00} financing and paperwork fee but have been out my $ XXXX down payment for a month, paid a full months insurance on a car ( {$100.00} ) I do not have and have had to pay {$22.00} per day to get to and from work via public transportation. 

They have not only mishandled numerous pieces of information, been extremely untimely and provided false promises but have also cost me a $ XXXX+ in incidental costs due to their mistakes. 

I would highly recommend staying away from AUTOPAY and their affiliates.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I contacted Rushmore Servicing and ask to speak with the refinance department. I was told they didnt have one but they would give me to someone that did refinancing for them. I called that company gave them all my information only to be told that they couldnt help me. XXXX XXXX  sold thus mortgage to Rushmore. I need to refinance this loan that XXXX XXXX  gave me because I am a Senior Citizen and the monthly payment us getting to high for me to handle. I had asked XXXX XXXX  to give me a forgiveness refinance loan because the house was inside down. But it isnt a fixed loan so the interest rate and the payment is too high. My loan number is # XXXX with Rushmore. I need help {$1800.00} interest rate is 4.71.  Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECASUE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am a member of American Express for over 25 years. I have 2 platinum cards and 1 regular American Express card.

I maintain those accounts in good standing for the benefit of membership rewards.

Today I needed to transfer 20 % of the points to partner airline to purchase tickets.

I was unable to do that due to " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am sure that I didn't do anything different from what I have done in the past 25+ years that would cause suspension of my benefits.

Membership reward points are credited on account for the reason for spending money on the account and paying your bills.

I spent money and paid my bills.

if my membership rewards balance not unlocked I will lose my tickets and it will be serious damage.

I spent

1 hour on the phone with a representative and her supervisor and neither of them was able to expan me what is the problem with my account and when it will be resolved. They also were unable to name anybody in charge who can explain what is the problem and how we can solve it. I pay for 2 car
ds {$450.00} each to be Platinum member per year and I am not getting what I am paying for.

please help.

Company response to consumer: Closed with explanation