vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX, a for-profit school, filed bankruptcy and closed while I was attending. As a result, I was approved by the Department of Education to have my loans discharged. I tried disputing to get these negative loans reported by Navient off of my credit reports, but Navient keeps verifying them as accurate. I sent a letter directly to Navient with a copy of my discharge approval letter from the Department of Education and they have not responded nor have they removed these erroneous loans from my credit reports. 

I am very upset to find that Navient has not requested the removal of these loans due to its damaging effects on my good credit standing. I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points {$11000.00} Down payment {$3200.00} from Barclay card Maintenance Fee {$870.00} Financed {$8700.00} At XXXX XXXX we were told we would be able to pay our entire maintenance fee by using the Barclaycard. 
We were told we could take a cruise using XXXX points We were told we could rent a car using XXXX points Owner Orientation in XX/XX/XXXX at XXXX XXXX in XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points purchased Purchase price : {$17000.00} Down payment {$3400.00} Amount financed : {$13000.00} They open XXXX XXXX XXXX and charge about {$4000.00} with 25 % rate. This is used for down payment and selling as points, which is valueless and useless. This is false ads and prey on consumers. We have over XXXX consumers complains with same company that open the account on site without any outside consultation with pressure sales tactics by this XXXX XXXX XXXX with bad practice and ruin my finance and used Barclay Bank 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 explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX   almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Over the past year Citizens Bank has charged me more than {$20000.00} in fees. They have repeatedly let charges go through and post to my account that shouldn't have been allowed to post to my account. I have an overdraft plan tied to the money I have in my savings account. Anytime my account gets overdrafted beyond what I have in my savings account it is supposed to be rejected at the point of sale or when it's a recurring payment. It's flat-out supposed to be rejected according to the literature that they provided me with. They have repeatedly that charges go through that shouldn't have gone through past what I have in my savings account and they have repeatedly charged me four or five fees for the same item. They have repeated you that other companies try to charged me again for a returned item and then charge me fees on top of that when they've already charged me an overdraft fee and then a return item fee for the same item. They have charged me more than I've ever had in my account. they have charged me more money than I've spent on myself because they have taken all my money. I have repeatedly complained about this issue to Citizens Bank and have been denied any redress repeatedly with them and I've had it. This past month they have let my account go to negative {$1000.00} once and now I'm at negative {$820.00} when they've let the same item try to be reposted over and over and over again after charging me a returned item fee and an overdraft fee on said item. They are basically letting me borrow money at the rate of 2000 % interest. This is not the first problem of this nature that I've had with them. They also repeatedly let larger items post first and then smaller items follow in order to maximize their fees when they know an account is going to overdraft. The same thing they got in trouble for before is going on now. I can make free {$5.00} purchases today and then tomorrow make a {$30.00} purchase with {$40.00} in my account and the {$30.00} purchase would post and clear first. Again and again this has happened and again and again I've been charged fees three or four times for said item when I should have never been charged for that item because it should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company. 

Exeter date of inquiry : XXXX, XXXX XXXX XXXX date of inquiry : XXXX, XXXX XXXX date of inquiry : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CT

Complaint narrative:
Linebarger, Goggan, Blair & Sampson, XXXX XXXX, XXXX  XXXX XXXX  XXXX, NY XXXX. Sent a letter on XX/XX/2018 claiming that {$55.00} was owed on behalf of the New York State XXXX XXXX for a trip over the XXXX XXXX XXXX. The notice does not specify the date of the supposed trip. The {$55.00} dollar amount consists of the fee of {$5.00} plus a {$50.00} late fee. I never received any notice of the original {$5.00} fee and I can not therefore determine whether I am being billed for a trip that even occurred. Also, since I did not receive the initial bill I should not be subject to an arbitraryu imposed late fee that is 20 times the amount of the supposed underlying unpaid debt.

When I called to attempt to discuss this with the law firms collection agent, he was condescending and dismissive of any attempt to discuss the validity of the supposed debt and insisted that unless payment of the full amount claimed to be owing was required or I would not be able to register my car. I dont live in live in New York State and I am fairly certain New York State has zero ability to restrict my ability to register my vehicle in my state. I believe this statement to be a material falsehood and an effort to bully and intimidate me into paying an illegitimate and overinflated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/2016 the Judge XXXX XXXX XXXX XXXX XXXX. Denied the Plaintiffs Motion to Substitute Party. ( See Attached ).

Now PennyMac want to collect money for me of engaging in business practices that are immoral, unethical, oppressive, unscrupulous, and harmful to me. ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX  w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX   feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR.

After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}.

They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it.

My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2018, XX/XX/2018 for my Wellsfargodealers account.

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 2018-12-13 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: CORELOGIC INC
State: IL

Complaint narrative:
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX  and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company.

XXXX date of inquiry :XX/XX/XXXX CoreLogic XXXX date of inquiry : XX/XX/XXXX XXXX date of inquiry :XX/XX/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 2018-12-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
I have been the victim of identity theft the following inquiries are unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/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 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: MO

Complaint narrative:
I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC
State: CA

Complaint narrative:
On or about XX/XX/2018, the servicing of my mortgage was transferred from XXXX XXXX  to MLD Mortgage. I was notified of the transfer and advised that any payments made by me to XXXX XXXX  in the first 60 days after the transfer would be posted to my account as though they were made to MLD Mortgage on the date received by XXXX XXXX. I made payments of {$420.00} to XXXX XXXX through my credit union bill pay service on XX/XX/2018 and XX/XX/2018. Only one of these payments has been posted to my account, and not on the date received by XXXX XXXX, but on the date received by MLD Mortgage. Since early- to mid-XXXX I have been trying to work with MLD Mortgage ( XXXX ) to get my payments properly posted to my account and the interest on my loan correctly calculated based on the payment dates to XXXX XXXX. I have spent over 100 minutes on the phone with MLD Mortgage/XXXX and XXXX XXXX to try to get this {$420.00} payment correctly posted and credited to my account. I also spent an equivalent amount of time talking with my credit union and researching records to provide dates, amounts, and proof of payments. I have sent four different forms of proof of payment to MLD Mortgage/XXXX and yet they have failed to contact XXXX XXXX to find out where my payments are. Rather than try to solve this problem MLD Mortgage has put the burden of finding these payments on me. I recently received from XXXX XXXX proof of receipt by MLD Mortgage of the check from the XX/XX/XXXX payment, yet MLD/XXXX did not make effort to track this down prior to my providing that proof, and I still have no clear indication that they tracked this down. In addition, though I have made all of the required payments on my loan during this period and discussed the servicers error in not crediting my account, until last XX/XX/2018, I received at least two calls per day from MLD Mortgage saying that they were trying collect a debt. These calls were never by live people whom I might talk to and explain that MLD has not properly credited my account, but were robo calls requiring that I call back and be placed on hold. I also received a letter indicating that my loan was subject to foreclosure if I did not make the required payments immediately. I would like to get this corrected and would like my loan servicer to take responsibility for doing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I filed a dispute for {$270.00} on my prepaid card in XXXX they returned my money in XXXX and now the money is deducted again. I called American Express and they said dispute in favor of the merchant. My SS check will be deposited on XX/XX/XXXX I do not have money to pay my bills. I did not make this charge I tried to file another dispute they would not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: AZ

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2018-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by Sequium ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call XXXX for that. I did and was put through to their collections. They told me that Sequium was told to suspend collection activities on XX/XX/XXXX due to account review. I called Sequium back and told them what XXXX told me. I was told that XXXX doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that XXXX suspended collection activities the week before she acknowledged it and I was told to call back when XXXX adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm trying to get my credit score up and TransUnion is making it very difficult. Account number XXXX, for XXXX XXXX XXXX XXXX XXXX have been paid off in full. The property attached with that account is XXXX XXXX XXXX XXXX TN XXXX. 

I have a new address and a new account number. If only TransUnion would actually investigate this matter, they see the change. In XXXX I pulled my bankruptcy records to learn that someone created a EIN number on me, used my personal information as though I have a business. The case number is XXXX. I'm not sure what the name of the company was. 

Also in XXXX I went to XXXX XXXX XXXX to open an account. I was asked if I ever had a business. To learn another EIN was created using my personal information. My name was used as XXXX XXXX and my late father name was used as XXXX XXXX The number was created in XXXX. 

I've reported this information to the courts, IRS, banks and FTC. I'm working close with IRS. The courts told me the case needs to be reopened. I mailed you a copy on my new utility bill, including my new address. 

You have medical bills on my report that don't belong to me. 
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