vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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: College Assist
State: CO

Complaint narrative:
I started out owing at the time of my graduation in XX/XX/XXXX around {$38.00} to XXXX in student loans and was unable to pay the debt as I was recently divorced and raising a child making XXXX a year and XXXX wouldn't do anything to help with the payment. I was offered forbearance which didn't last and was forced into collections in mid XX/XX/XXXX under the loan rehab program which I was barely able to pay while being a single parent and finalizing my divorce. In an effort to keep my head above water due to lack of decent paying jobs in my area I continued to put my loans in forbearance and no mention of any other ways to receive any assistance from XXXX only threats to pay or be taken to collections and have my taxes garnished. And over time in XX/XX/XXXX my credit has been poor from these loans and lack of decent paying jobs which I went to school for my loans went from $ XXXX in XX/XX/XXXX ' to owing $ XXXX in XX/XX/XXXX of this year. I have looked into IBR but to have a nearly $ XXXX bump in interest from one month is egregious. And XXXX and it's associates college assist should be investigated for nefarious collection practices and interest hikes on student loans.

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 2018-11-26 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: MI

Complaint narrative:
To Whom This May Concern, I have disputed a Bankruptcy reporting with TransUnion, XXXX, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..

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 2018-11-26 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: MI

Complaint narrative:
To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I have participated in a class action lawsuit against Western Union over a year ago, and never heard back from them regarding my claim. I submitted proof, and have been ignored by Western Union for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Mortgage Servicers consider CFPB a joke. For years I have been filing about my mortgage fraud case and nothing matters. The mortgage company and now mortgage servicer have refused and returned my payments. 
XXXX XXXX XXXX is paying the legal fees for the mortgage servicer in order to avoid paying the title claim. This conflict of interest is ignored. 

Admitted forgeries, a judge ruled no ratified deed of trust and no ratified mortgage note and still no assistance from any organization matters. XXXX is the newest mortgage servicer has submitted the same deed of trust that was adjudicated as " Not Ratified '' as a means to collect a debt. XXXX also fraudulently put an assignment in the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: WA

Complaint narrative:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX XXXX  ) XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. 
XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: CA

Complaint narrative:
I have been made aware of recent hard inquiries on my Equifax and XXXX credit reports that I believe to be fraudulent. 

Equifax : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with Equifax and am awaiting the fraudulent inquiries to be stricken from my credit report. 

XXXX : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with XXXX, and am awaiting the fraudulent inquiries to be stricken from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I wasb ehind on my payments and Avio credit took the money ( several payments ) out of my checking account without my permission.AND, I had to stop payment because I was in the hospital and not working. I don't want this to happen again. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2018 I discovered that two Bankruptcies were reinserted into my credit file. Equifax is required by law to notify me within ( 5 ) days of Re-Inserting a previously deleted item. I did NOT receive any such notifications. Please delete this item that was originally removed XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been made aware of recent hard inquiries on my XXXX  and Experian credit reports that I believe to be fraudulent. 

XXXX  : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with XXXX and am awaiting the fraudulent inquiries to be stricken from my credit report. 

Experian : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with Experian, and am awaiting the fraudulent inquiries to be stricken from my credit 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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX  XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 - {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
For the past 2 months I been battling with Paypal to allow me to add my new bank to my paypal account. I been with Paypal since XX/XX/2014 and have never been required to call them to add a new card but that's what they told me I had to do despite informing them I do not have phone service. Currently I've been charged {$4.00} in interest fees and {$27.00} in late fees with another round coming tomorrow despite Paypal stonewalling me from being able to link my bank account so I can pay my monthly balance. Please contact me at my email XXXX for any personal information needed in locating my paypal account. I am saving this complaint and the one I filed via XXXX XXXX XXXX to ensure if Paypal continues to keep me from paying my bill so they can continue to charge me that I've made an attempt to pay them but they clearly don't want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My issue is with CitiBank with regards to an account sign-up bonus they offered and are failing to deliver. The bonus was a {$600.00} account bonus for opening a new account with $ XXXX of new money ( link at the bottom ). The terms are : transfer the $ XXXX in, maintain that balance for 2 mos., then within 90 days, you get the bonus. 

I made my deposit on XX/XX/2018, which means I should have gotten it by XX/XX/XXXX ( ish ). I called their Customer Service line couple days after that, and again this week, and they acknowledged I had met the criteria. They both promised to email me with an update ( neither did ), but let me know it's under " investigation. '' Which, to me, sounds like an arbitrary queue they can put you in to delay disbursement indefinitely - they use it as an excuse to take no action, and refuse to let you speak to anyone in the bonus department. 

I can provide other specific details if you need them. I just want it resolved ASAP! 

Thanks! 

OFFER LINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. XXXX never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and XXXX. XXXX XXXX XXXX has sent me everything they have from my file with XXXX. Now XXXX violated the O.C.G.A. XX/XX/XXXX. 

XX/XX/XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and  provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I called on XX/XX/2018 to dispute a {$3.00} transaction I have with Chase. I had tried to purchase a XXXX train ticket but the machine had told me that the transaction has failed. I received no ticket from the card and thus I assumed the pending transaction of {$3.00} would be dropped from my account. It was not so I called Chase to dispute the transaction and the representative refused to help me investigate the transaction unless I had my receipt for the XXXX train ticket that I was not able to purchase. I do not understand how such a large company would be unable to contact XXXX to dispute the transaction for me but would require a loyal customer to have proof, insinuating that I was lying about a {$3.00} charge. I would understand if the charge was an insane amount but {$3.00}? Come on Chase. Do better.

Company response to consumer: Closed with explanation