vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I had a credit card accounts with td bank/XXXX that got delinquent due to personal issues. When i got back on my feet I settled that account under the agreement that they would be completely removed from my credit reports yet it still remains. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. here are the partial account numbers listed on the credit XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Alright all I did was just transfer money from my savings account to my checking account. But apparently I got ta pay even to move around my money in my bank account. All I did was transfer funds and I got charged XXXX $ which added up to over {$300.00}. I was unaware of this I would not have done it if I was. I would like a full refund since I was using my own money that I earned

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 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: GA

Complaint narrative:
We obtained a lease from XXXX through a company called XXXX or XXXX. We were advised that we were able to payoff our refrigerator with 10 biweekly payments of {$140.00} which would total the amount of the refrigerator of {$1400.00}. We were not advised that we would have to pay an additional payment of for a 90 day buyout in XX/XX/XXXX. At the beginning of the lease we sent 3 emails that went unanswered and attempted to contact them via phone as well with no response. Now we are being told that in order to payoff our refrigerator we would have to pay an additional {$900.00}. When I asked to speak with a supervisor to resolve the issue I was hung up on. We really feel taken advantage of by not only the leasing company but the salesperson at XXXX at well. My family made sacrifices for the 10 payments because we knew it would not be for an extended time period. This was a Christmas gift for my fiance and I am extremely disappointed at having to continue with these payments. We are hard working people and this is unfair. My fiance took a refrigerator from the XXXX XXXX and intentionally looked for one that was not too expensive. I do n't feel this is fair. I feel robbed! 

Also, the company took a partial payment in XXXX. We were not certain as to why but now we feel it was a part of their plan to try and scam us anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a credit card accounts with SYNCXXXX that got delinquent due to personal issues. When i got back on my feet I settled this account under the agreement that it would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove the account from my credit reports. here are the partial account numbers listed on the credit bureaus 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 2018-01-18 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: VA

Complaint narrative:
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on experian. They are also in violation of the arbitration clause.

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 2018-01-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Received phone call XXXX/XXXX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as XXXX my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!

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 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: OK

Complaint narrative:
I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp
State: FL

Complaint narrative:
I have spoken to somebody in the company called XXXX XXXX I have sent over fraud and police papers and have got nowhere. This loan is not mine and was open without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!

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 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York, XXXX SS # XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : Collection Account # XXXX To Whom It May Concern, I would like to file a complaint against Simons Agency who has reported negative information to credit bureaus. I mailed them a certified letter on XX/XX/XXXX and requested them to validate my debt, identify the original creditor and provide me with competent evidence of this debt. 

Till today 's date they have not been able to provide me with any kind of evidence. I called them on XX/XX/XXXX and spoke to XXXX XXXX at XXXX - XXXX XXXX. She was unable to provide me with any kind of evidence. Again, I called on XX/XX/XXXX and spoke to someone name XXXX and got a run around. There tactics are so misleading and should be investigated. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.

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 2018-01-18 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
customer service would not help and take care of the negative inquiries i dont recognize reporting to my credit report. 


XXXX inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX DE XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX DE 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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax indicated that my personal information was comprised in their breach. Therefore, I attempted to sign up for free 12 month credit monitoring service. 

I completed all the required steps to register for the credit monitoring and received a confirmation email from Trusted ID. Clicking on the link in the email, I was then redirected to theTrusted ID Premier website, I enter my DOB as requested but the same message captioned below always appears ... 

" SYSTEM UNAVAILABLE We are unable to process your request at this time. Please try again soon. '' The deadline to register for the free credit monitoring is XX/XX/18 less than two weeks from today. I have attempted to complete this registration online since last XX/XX/XXXX. 
Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX? I have never heard of them and they are reporting a credit score that is wrong. I just received a letter with them being a credit agency like XXXX the address shown for sagestream is XXXX XXXX XXXX XXXX XXXX ca. XXXX. 
telephone number XXXX XXXX XXXX. 

who is this?

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 2018-01-18 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: GA

Complaint narrative:
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX XXXX XXXX and  Transunion but they refuse not to

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 2018-01-18 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: GA

Complaint narrative:
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to

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 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I was charged a {$37.00} late fee on my Cabela 's  account that has a balance of {$150.00}. In addition to it being an usurious fee ( 23 % ) I have been working with a collection agency on this account, to which it was forwarded after non-payment over one year ago. The collection agency, XXXX XXXX, set me up for recurring payments. I agreed to make two ( 2 ) payments on the remaining balance, which was around {$160.00}, at the end of XX/XX/XXXX. The first payment was deducted on XX/XX/XXXX for {$80.00} and a second payment was set for mid XX/XX/XXXX. Today I received a bill from Cabela 's with a new  balance of {$110.00} which has been adjusted to include a late fee ( which the collection agency should have reversed because we agreed on a payment date ) and an interest charge of {$2.00} ( interest that should have been stopped when I entered repayment with the collection agency over one year ago ). 
In sum, I am realizing that I am basically paying off late fees that accrued because the collection agency did not adjust my payment due date and interest that XXXX XXXX staff led me to believe would be arrested due to the closure of my Cabela 's account and agreement to work with their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 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 I do not recognize any of these companies and have not applied for credit at any of them!

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