vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.

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 2017-05-02 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:
XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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:
XXXX   XXXX  SS #  XXXX  DOB   XXXX   ADDRESS S   XXXX   XXXX   XXXX   XXXX    ,    XXXX   XXXX   , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX . Box  XXXX   XXXX , GA  XXXX    XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , PA   XXXX   I recently pulled a copy of   my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  &   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX , FL  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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts are not validated and still are being reported

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
My husband and I rented an apartment in  XXXX , Louisiana at  XXXX   XXXX  Apartments. Due to some critical health issues we had to move and relocate. We had a bill of {$490.00} which were n't able to pay right away. Upon checking our credit reports we notice they were reporting the {$490.00} and another unknown charge of {$750.00} to our credit reports. I contacted   XXXX   and their management company  XXXX  and spoke with their offices who confirmed they received the money I even received an email through  XXXX  from  XXXX  of the former  manager  admitting she received the  pai  balance, and I was told to contact the collection agency. I contacted the collections agency PRO COLLECT and told them I did pay the balance to  XXXX  and had the proof, the  manager  and representatives I have spoken to their have been rude and disrespectful. I explained to them I am currently ill and awaiting a  XXXX   XXXX  and I wanted to resolve the situation, I asked if there was a certain kind of documentation they needed and they responded with screaming pay the money. I have provided letters from the bank copies of check, money order slip and a printed receipt with their header confirming the apartment complex received the money. I EVEN HAVE A LETTER FROM THEIR BANK!!!!! And they still refuse to delete this negative account from my credit report. Please help me, the stress is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like to have Experian fined for knowingly and willfully placing back fraudulent information that was deleted. They are violating the Fair Credit Reporting Act and my  Consumer Rights.      Also I read, if an account is going to be re inserted on to a consumer 's credit report. The credit reporting agency is supposed write the consumer and give a 5 day notice. I did n't receive any of this. These were fraudulent accounts removed in  XXXX   XXXX , but Experian put them back on my credit report  XXXX   XXXX ,  XXXX .     Account  XXXX   XXXX   XXXX  Account  Number   XXXX . This fraudulent account was removed  XXXX   XXXX , by  XXXX   XXXX . They contacted all  XXXX  bureaus to remove this account. But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Account  XXXX   XXXX   XXXX  Account  XXXX   XXXX  .... This fraudulent account was removed  XXXX   XXXX ,  XXXX . But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Experian seems to have a personal vendetta against me. I want these accounts deleted again from my credit report, as they should not be listed. Experian needs to be fined for their blatant disregard for the Fair Credit Reporting Act and my  Consumer Rights.      Also please view the proof in the attachments

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 2017-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted a request to experian to remove a report of a   XXXX   XXXX   on my credit report.   I have supplied them with a letter stating it is released.   I gave this same information to   XXXX   and it was removed.   I have requested the correction from Experian twice and no resolution or response.

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 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bliksum, LLC
State: WI

Complaint narrative:
On  XXXX / XXXX / XXXX  my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the   XXXX   of every month in the amount of  XXXX . On  XXXX   XXXX   XXXX  a withdrawal was made from our account in the amount of  XXXX . My husband and I do not receive our social security checks until the  XXXX  of every month so therefore there was no money in the bank and it left our checking account  w  a negative balance of over  three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the  XXXX  of every month, not the   XXXX  . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX   XXXX    does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since    XXXX   XXXX     . Much to my surprise I received a letter from   XXXX   XXXX    advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too "  XXXX  '' to use their website. I have been belittled because my "  XXXX  '' culture makes it impossible for "   XXXX   '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise  XXXX  that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _  XXXX  says its all in the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: New Mexico Educational Assistance Foundation
State: CO

Complaint narrative:
I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  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 non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to   XXXX   XXXX   for " incorrect name '' on personal information. My name is   XXXX   XXXX   XXXX  . My maiden name is   XXXX   XXXX  . I have no middle initial. My email address is  XXXX .     Thank you,   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 non-monetary relief
Consumer complaint received 2017-05-02 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: ASG Solutions LLC
State: PA

Complaint narrative:
ASG Sollutions called my husband ( first  time ) and said that on Friday he is going to be served papers at work if we do not pay our balance due.   I offered to make payments and tried explaining to her that I had  XXXX  and then was involved in a very bad accident and I can no longer work, our  XXXX   XXXX   XXXX  daughter lives with us and we are responsible for her as she can not work due to   XXXX   XXXX   (  XXXX ,  XXXX ,   XXXX   ).   I tried to explain to her that my husband is the o nly one wo rking, we are behind on our other bills as well and we do not have the means to repay this debt at this time unless they would accept  XXXX  month ( we owe  XXXX   ) She refus ed and said it has to be  XXXX  per month for 6 months and they have to have my bank card number to automatically take it because they " do n't trust us ''.   I told her if we had to pay that amount ( which we can not ) that I would not be able to buy food and she said " You should have thought about that ''.   I do n't know what to do, I asked her repeatedly not to go to my husbands job or he will be fired and she said they can go anywhere they want and use any means available to get their money.   She also said that once we are sued they will garnish my husbands wages for over  5,000.00 with all   court costs and things included.   I try to reason with her but she gets very loud and just talks over me.   WE NEED HELP as they are going to my husbands job o n   XXXX  / XXXX /2017.

Company response to consumer: Closed with explanation