vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 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: OH

Complaint narrative:
Over the course of the year XX/XX/XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XX/XX/XXXX & XX/XX/XXXX. I ask that all inquires be removed off 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 2018-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.

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 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
XXXX has a collection on my credit file. I sent a debt validation letter. They sent me a piece of paper with my name account number bill period and bill date with amount. I have also did a dispute on the item and it has been denied. I have no knowledge of this account. It has an address that is old. I moved in XX/XX/XXXX and they are stating a bill for XX/XX/XXXX at the old address. I did not have XXXX at that time. I have been with another cell phone company during the time they are stating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2018, I contacted the company in an attempt to resolve a debt. I was told that I would be emailed a offer letter the day before. The one that I received did not match the settlement we discussed. I asked to speak with the manager sending it, whose name was XXXX. He informed me that the amount owed could not be fixed because it was generated by their computer. I informed them that if they could not send me an offer letter with the discussed amount on it then I will opt out of it. I ended up speaking with another XXXX who was the Director, he stated, and he was very disrespectful, condescending, and unprofessional after I informed him that I 'm not sure if someone was lying to me about what was discussed over the phone the day prior to our discussion. He went into a tyrant and started to tell me to be quiet so that he could give me what I wanted and proceeded to engage in combative behavior with me, telling me he will not provide me a receipt for what I paid to them already and to contact my bank. He told me that this was not a Customer Service job. ( I 'm assuming for him to treat me like a human ) I do not believe that this is the job for him and he should be removed from it. After going through speaking with him, I felt disrespected, ashamed that he had me yelling and cursing, robbed out of my money, and disregarded as a human being. I was already angry and I informed him that I was recording the call to maintain for my records and I will sue them if I needed to. I was transferred back to him after attempting to contact their headquarters office to report his abusive behavior, in which he was then more calm. I informed him that I do not trust them with my information after the heated conversation that we had earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: I.C. System, Inc.
State: NC

Complaint narrative:
My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to 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 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I checked my credit report and for my surprise was 12 accounts with this company, never answer my notification, Never got any collections letters not even 1 letter, If they do please I need contact the company who sent the letter, is unfair if you dont have the option to dispute or paid before reach the 30 days mandatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
On XXXX State Home Mortgage processed a total payoff amount for my loan, bringing the principal amount to {$0.00} and leaving a positive escrow balance of {$800.00}. On XXXX they processed a payment out of escrow of {$120.00} for a mortgage insurance premium, with XXXX principal balance on the loan. As off XXXX they have not processed my request to refund the balance of my prepaid escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Please review complaint no. XXXX again. American Express is misleading you by saying its a duplicate. In the first XXXX reply they said I should pursue XXXX XXXX for a refund. I contacted XXXX and they said the error was caused by XXXX and not XXXX and that the refund must come from XXXX. 

Pls ask XXXX to refund {$990.00} to my credit card account. Their letter to me saying they will stop responding to this complaint makes no sense as I followed up with the airline as they instructed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid  {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: IN

Complaint narrative:
I received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on it.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I missed 1 payment of about {$100.00} due to illness and I just forgot. I got my next monthly statement on XXXX/XXXX/XXXX stating that my payment was late and that my next due date was XXXX/XXXX/XXXX. But a few days later I began receiving calls at work 2 to 3 times a day for about 4 days. The. they called this past Saturday & Sunday too. This has been the only payment I 've been late on in about 5 years. I consider their actions harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: CA

Complaint narrative:
I paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.

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 2018-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Account # XXXX I started disputing in XXXX with Experian and XXXX concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.

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 2018-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have requested several times that all interactions, bills and other changes be sent through the mail and my address has been updated several times online and over the phones. I was set up for XXXX months of auto-payments that I guess ended in XXXX XXXX. But I have never received a single piece of mail, phone call or email about them ending. Sallie Mae has told me my mail is being sent but where is it going? I also provided them with my main email address and phone number and no calls about the auto-payments coming to an end. 

I was told I was set up with an account manager who should be calling me but have never received a single call from her about my account. This is the 2nd time I have had issues with payments and no information was sent to me. I moved in XXXX of XXXX and I changed my address online, nowhere did it say that I also had to call and update my address in order for my auto-payments to be taken out. If I update my billing and mailing address online should that not be entered into their system? If not should they not have contacted me by mail, email or through the phone numbers I have provided? 

The only reason I have realized something was wrong with my payments was when it was reported to XXXX XXXX and my credit monitoring companies let me know something was wrong. Prior to my credit monitoring companies alerts about an issue Sallie Mae failed to reach out to me in any way. 

Once again Sallie Mae says they are mailing my correspondence but I only receive emails saying your Tax information is ready and check your XXXX credit score. That information is not that important when my credit and payment history is being affected because of the lack of communication on the Sallie Mae end. How is it that every month my statement does not make it to my physical mailing address or my email address? But when asked one agent told me I have requested all my information to be sent by mail and another agent told me I had requested all my information to be sent electronically through email? 

This issues with my payments and lack of communication on the side of Sallie Mae is causing me issues when it comes to moving forward in my life because they keep dinging my credit every few months.

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