vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18, today, I accessed my account via WEB to cancel my XXXX   membership, AKA Experian. I found that if you want to cancel your membership, they ONLY let you cancel via phone. i.e. : " To cancel, please contact Customer Care at XXXX. '' I have been on the phone for over an hour on hold listening to the recording they have and still no one has answered. I found on the internet that many other people are having the same issue as I. After all this is supposed to be a free monitoring service, which is not the case. 
There isn't even chat or email available to cancel. 
Please help ...

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 2018-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
XXXX closed my ac after being paid off and full, then sent me a small remainder XXXX to collections, which I paid and told them it was paid. They said they would investigate, never heard back and then they closed my acc!

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: KS

Complaint narrative:
This past week, Accurate Background of XXXX, CA incorrectly reported a sex offender charge on my background check results to a prospective employer. Job offer letter accepted and signed last week with this employer ; we were awaiting results of background check. 

This inaccuracy has ( and still is ) resulting in loss of pay while I dispute these results with Accurate Background. To date, I have not received the background check results. Prospective employer only contacted me via phone to inform me that this charge means I can not work for company until resolved. 

I have a video recording of my completion and submittal of the initial background check form that I had to complete. Form never asked for items such as previous residences or if any former names had been used in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Have attempted to contact XXXX XXXX XXXX to offer {$25.00} a month payment because I am retired and that is all I am able to pay. The company hung up the phone and would not discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score

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 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Attempted to speak with representative in reference to amount and come to an agreement of {$25.00} a month until paid in full. Company would not accept and threatened me with jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a rental application to XXXX XXXX at XXXX in XXXX XXXX, IL. Their 3rd party vendor, On-Site ran a background check if my rental history which discovered an eviction/judgment XXXX that was reported in error on XX/XX/XXXX. This information has successfully been removed from my credit bureau reports and XXXX file as I was able to prove the case was voluntarily dismissed by the plaintiff, XXXX XXXX XXXX dba XXXX XXXX XXXX. I still currently reside at this same address until my current lease expires XX/XX/XXXX. I immediately filed a dispute with On-Site on XX/XX/XXXX, Dispute # XXXX, providing a copy of my recent XXXX credit report that they used to show this is inaccurate. On XX/XX/XXXX, On-Site responder that they have finished their investigating but would not be removing the inaccurate finding. This has delayed my search to find new housing as my current lease is voluntarily expiring and I require relocation. On XX/XX/XXXX I submitted a 2nd dispute with On-Site Dispute # XXXX, this time I included a copy of the voluntary case dismissal and agreement from XXXX County Circuit court signed by myself and the former property manager, XXXX XXXX. The very next day XX/XX/XXXX, On-Site responder again, that they will not update their records and have informed XXXX XXXX at XXXX that they will not update their records. This is very unfair as the information is inaccurate and is causing me to not be able to secure fair housing. I do not know why they refuse to make the updates when I have supplied sufficient evidence. Please assist with making this correction. My daytime phone is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Have attempted multiple times to contact company to start paying off with monthly payments that are affordable for me, but no one would ever return my call.

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 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was making a payment of {$50.00} a month and they contacted me and demanded {$120.00} a month. I tried to explain to them that I could not afford {$120.00} a month, but they would not listen and threatened to take me to court and jail time

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 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This is only one example, however just today, in 5 hours Ive received 3 calls from the same number from XXXX XXXX. Yes, I am late, and yes I understand their efforts, however I have never been over 30 days late, and am feeling these aggressive tactics are above normal expectations in collecting a debt of {$150.00}.

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 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, my personal checking account at Bank of America got a debit transaction of {$4300.00}. I immdiately called them to file a claim on this. Yesterday ( XX/XX/XXXX ) they rejected my claim. And there is not phone number to call whoever initiated the charge.

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 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: Byrider Franchising, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, TXXXXX In went into XXXX XXXX XXXX to purchase a sofa set in XX/XX/XXXX, I had just purchase and my credit would not allow me to get another store credit card, however the sales person told me about the making payments each month until it was paid off. 
Which I did, in XX/XX/XXXX I became ill and I reach out to XXXX XXXX and ask for the pay off amount a the amount was higher that the purchase price of {$990.00} it would be over {$4000.00}, I was in despair and request that they pickup and return, I was told yes they will call me and never did, as I went in for XXXX XXXX I continued to make the payments because I didn't want my credit to be damage, after recovering I call XXXX XXXX again and still no pickup, I contacted to main office still, this is going on now over a year. I have sent court documents and they were refused. this has no end now they have place on my credit report. I was reading up and saw that this? The Federal Trade Commission received 2,779 complaints about XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. More than 90 % cited aggressive collection tactics.how can a government office allow this to happen each day. why. I need help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Seed Consulting, LLC
State: MT

Complaint narrative:
XX/XX/XXXX XXXX  XXXX or SEED Consulting as it comes up on my credit card was at a convention in XXXX XXXX for XXXX XXXX XXXX  Mastery  Marketing Event. I attended because I already had invested our insurance policy/ money into this company. ( XXXX XXXX is now under investigation by FTC-XX/XX/XXXX ) I lay awake at night wondering how to pay off all this debt I have got myself into. I'mXXXX this was supposed to be a retirement plan, not a work forever plan. Going thru my tax info recently, I have realized if I had not got involved with XXXX XXXX XXXX I would not have the problems I have now. 
They actually helped me secure the cards/credit I put the " all in '' amounts to XXXX XXXX on. They ( XXXX @ XXXX ) made it seem so easy. I can still see him handing me the pen to sign up for their services. " XXXX is no problem for XXXX members, Many of them make way more than that '' ... I would have a year to get them paid, but a few months I should be seeing income. I was instructed to go along with my " projected income '' if any of the card companys call to verify my income .... $ XXXX more annual income than I make. I wish they were all like XXXX XXXX who declined the application because they found out it was third party application. That it was done for me. They actually called me. All the others were done the same, but XXXX was the only one who called me. ( kudos to them ) My credit Limits were high, at zero % interest. Only problem is XXXX XXXX is fraudulent. XXXX XXXX  was there for XXXX XXXX. They were ready secure credit for people to go all in and join XXXX. Now I am broke ( and can't afford the interest on these " great '' cards. I don't know what to do. I am trying to dispute all the XXXX charges but have only heard back from one card company. XXXX XXXX has reversed their charges. Thank XXXX.But that is only a fourth. If I could get a credit slip, XXXX XXXX would reverse XXXX   XXXX but they said it was more of a legal case. I got the service, just because it was deceptive wasn't their call. 
XXXX XXXX and XXXX XXXX ( XXXX XXXX ) have not even acknowledged my {$9600.00} each in dispute from XX/XX/XXXX paid to XXXX XXXX or XXXX XXXX ( XXXX ) Again thank you XXXX XXXX, your are # 1 There is alot of marketing expenses still on these other cards, following " the Plan '' I will never recover except as a hard lesson.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX= I did not authorized ( Dont know who they are ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX=I did not authorized ( Dont know who they are ) XXXX/XXXX Inquiry from XX/XX/XXXX=I did not authorized XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.

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 2018-04-14 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: TX

Complaint narrative:
I took advantage on XX/XX/XXXX of an American Express promotion to receive XXXX XXXX XXXX points after adding an authorized user and spending {$1000.00} on the authorized user 's card within three months of adding it. This spending threshold was met on XX/XX/XXXX. On that date I contacted AmEx 's customer service by online chat through their banking portal, and was told the points should post within 6-8 weeks. 

These points have never posted, despite several follow-up contacts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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:
On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed

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 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Embassy Loans
State: FL

Complaint narrative:
I made my first title payment late because it was for more than I expected and I did not have the money to pay for the loan because it was an unexpected highest payment due to them slipping in a damage waiver adding {$700.00} to the {$1500.00} loan amount that I had expected. I was asked to add the damage waiver even tnough I carried full coverage insurance with XXXX. I got a phone call from them when I was one day late and they are now saying that I have to pay the commission waiver fee off with my {$1500.00} loan. The interest is 30 % and my payment jumped from {$150.00} to {$200.00}. They also want {$15.00} in late fees and {$6.00} to make the payment online or {$12.00} on the phone. Embassy Loans has has my loan for less than two months and they have lied to me, tried to take advantage of me as a single woman, and threatening to repossess my car! I am waiting on XXXX and I am in need of my car for medical appointments and at times have had to live in the car. I would like to refinance with better terms and I am grateful for your help! Please call me at ( XXXX ) XXXX with any questions. Thank you for your consideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/17.. I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
As of today XX/XX/2018my ancient balance is XXXX. My original loan was with Sallie Mae it was sold to navient and when I was contacted by them it had doubled now over triple my original loan amount and they expect me to be able to pay this. The payments they want me to make are high and I am single parent unable to and ethically don't want to because of how they fraudulently added so much money to my loan. Why am I being asked to pay XXXX   extra on a XXXX dollar loan? I would like to be part of your lawsuit against Navient. They are crooked. They will offer ypi deferment or forbearance bit after that your balance is 5 to 6 thousand higher each time. My loan was originally XXXX   now the balance is XXXX. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
m disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for an auto loan and they did not approve the amount I needed and never disclosed higher interest rates with me. 

I decided not to take the loan with Wells Fargo.

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