vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Care, LLC
State: PA

Complaint narrative:
In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

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 2018-01-25 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-01-25 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XXXX of 2017 after the hurricane. XXXX XXXX told me i can stop paying the mortgage for 3 months because of the disaster then i can start paying again after the three months XXXX XXXX didnt tell me they wanted to modify the loan! I did n't ask them for a loan modification and they didnt ask me if I was interested in it they proceeded to do moduficstion without my consent and undrstanding of their process. I am scared and worried because of XXXX XXXX! 
I find them to be very misleading and dishonest. Now they are sending me a bill for over 1800 pet month!. I ghought they were going to add the three months to the back of the mortgage! 
They are very bad. I do not trust them. I wonder if others are having this problem as well. Please stop them from misleading homeowners

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact 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 2018-01-25 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!

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 2018-01-25 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my Transunion and XXXX credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact Transunion and XXXX to please remove these inquiries but in the end it turn to no avail.

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 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I made an additional {$1000.00} payment on my Usaa auto loan. Their website defaults to principal and interest instead of the full payment being applied to principal. That in itself seems very unethical to me. This payment was on top of my regular monthly payment. I tried their chat function to fix immediately with no luck and just spoke with a representative that told me the only way to fix the problem would be for the account to show a late payment as they would have to reverse the additional payment and reapply the whole payment to principal which would then show the additional payment as a late payment? That is very unethical and unfair. Their website should be corrected to default to principal only and this should be easier to fix .... without my only option being to show a late payment on my account balance. So unethical and inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: Security Credit Services, LLC
State: SC

Complaint narrative:
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: TX

Complaint narrative:
cra violation XXXX sent me a letter that said they were going to fix my lates b/c it was their fault not its 60 days destroy my credit

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 2018-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my XXXX and Equifax credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact XXXX and Equifax to please remove these inquiries but in the end it turn to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
Things on my background check should not be pulled up after 7 years and it keeps on appearing I plead out to the charge back in XX/XX/XXXX and XX/XX/XXXX its been 14 years and it still showing up preventing me from jobs and things of that nature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NC

Complaint narrative:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached 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 2018-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.

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