vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I have a furniture loan with Wells Fargo. I make all my payments on line. On XX/XX/XXXX, I went on to the Wells Fargo website to check my balance and seen a payment was due ( by XX/XX/XXXX ). I made a XXXX payment thinking everything was good and the payment due by XX/XX/XXXX was taken care of. Was I wrong. On XX/XX/XXXX, I just randomly went on Wells Fargo website and checked my balance again only to find my XX/XX/XXXX payment was over due and a late fee was charged to my account. The payment I made on XX/XX/XXXX went on the previous months billing cycle. I called Wells Fargo on XX/XX/XXXX and they told me I made the payment to early yet it showed payment due. They said I should of waited till the next day to make the payment allowing the billing cycle to complete itself. How would I know that? I sent them an email with no response and they said they would refund the late fee but they still have n't. Its been over a week. I am primarly concerned with my credit report. My report is flawless. I have never had a late payment in my life. Can you help me? There number is XXXX Account number is last 4 ( 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 monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Credit reporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims action against Transunion Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
ON CREDIT REPORT FOR THE AMOUNT OF XXXX PLACED IN COLLECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted transition, XXXX, XXXX  to report unauthorized inquiries and they failed to remove the inaccuracies on 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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently wrote an email to Best Buy about harassing me concerning a payment for my account. I was making payments, but they continued to call me two to three times a day nonstop. Dealing with XXXX, this did not help me but only frustrated me more. Afterwards, I sent an email informing of filing a complaint and the calls ceased. However, they illegally took an unauthorized amount of {$80.00} out of my account. The payments were setup for {$27.00} and without my permission, Best Buy took the past due amount. This illegal action caused my bank account to be overdrawn. I will never buy anything from this company.

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 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on 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 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Creditreporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by  federallaw to verify - through physical verification of the original signed consumer contract and/or judgement ( s )  - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims actionagainst XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-07-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted 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 explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief