vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Ordered the PenFed Credit Union XXXX XXXX card about a month ago to make a few purchases ahead of overseas travel. Nearly every purchase attempted was declined from XXXX, to XXXX, to various airlines. Had 5+ hours of phone calls with customer support and bounced between various departments. Supervisors blamed me for entering card number incorrectly and then tried to blame vendors for not transmitting the number correctly. Clearly a problem on PenFed 's intake side. Still no resolution.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I noticed that Credit Consulting Service Inc. has put a collection item on my credit report early XX/XX/2018  with original amount of {$1200.00} ; so I called XXXX to dispute and XXXX  came back to me stating Credit Consulting Service Inc insisted that this is a valid collection item -- - I strongly disagree with this statement ; as a debt collection agency, Credit Consulting Service should provide informed and justified conclusion on  the validity of the debt, rather than just taking the opinion from the creditor and ignoring the voice from the consumer side. As a result, I do think Credit Consulting Service Inc didnt comply to the Fair Credit Reporting Act by not distributing a fair and accurate summary of a consumer 's credit history to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from XXXX XXXX XXXX dated XX/XX/18 saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with XXXX XXXX I went  personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX XXXX dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with XXXX XXXX or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks

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 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. 
We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. 
If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

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 2018-06-14 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: TX

Complaint narrative:
I have contacted transunion via mail several times to get them to remove a negative 11-year account from my credit report, to no avail. After several months of communicating with  transunion, the account still exists. The account is from XXXX from 2007.

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 2018-06-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letter along with a police report and Affidavit of Fraud to Experian credit reporting agency regarding some accounts that were not opened by me. There was a fraud alert placed on my credit file on XX/XX/XXXX, however the accounts I disputed were never investigated as I requested. 

On XX/XX/XXXX I spoke to a representative at Experian, she informed me that the accounts were never placed in dispute, she then claimed to have put both accounts in dispute while I was on the phone. 

On XX/XX/XXXX I called and spoke to XXXX in the fraud department at Experian, she informed me that the XXXX XXXX acc # XXXX opened XX/XX/XXXX, was placed in dispute, however was an automated verification stating that information XXXX XXXX have in their system match the information that was reported, therefor Experian left the frivolous information as is on my credit report. 

XXXX also stated that the XXXX XXXX acc XXXX opened XX/XX/XXXX account was never placed in dispute as i requested on XX/XX/XXXX and on XX/XX/XXXX. XXXX also state that she was able to locate my police report and the ID Theft Affidavit i sent to them however she doesn't know why the accounts were not previously investigated in 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 2018-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or  XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).

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 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a personal checking and savings as well as a business checking and savings with US bank .Starting in XX/XX/XXXX. In XX/XX/XXXX I refinanced my home loan with XXXX XXXX XXXX.

Not long after that US Bank started charging me a {$15.00} a month " account accessment '' fee, even though I had the required amount in order to qualify for their " free checking ''.

I was able to get these fees reversed but it happened several times and was very aggravating, so in XX/XX/XXXX I closed all my accounts with US Bank. They proceeded to charge a {$60.00} fee to my home mortgage for closing all my accounts.I was never informed of this, I would not have agreed to this had I been informed, I never signed an agreement consenting to this. Also I was under the impression that my home mortgage was completely separate from my bank accounts and these were 2 separate companies.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
I received a debt notice from Synergetic communication Inc, for the creditor XXXX XXXX XXXX on XXXX. I immediately reach out to via phone and chat to XXXX XXXX XXXX and they confirmed me that I don't have any dues pending. I received the last bill with no dues which was 3 months back. 
I noticed my name on the notice was not accurate hence I decided to reach out to the debt collector via phone and email but I didn't get any response for the communication made on XXXX. 

I drafted a dispute notice to debt collector and sent them written dispute via mail and email on 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 2018-06-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet is trying to collect from me, however I have no contract with this collection agency and do not owe them anything. 
I have an unverified account from Nelnet. Nelnet can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Hello, I am a victim of identity theft and would like to request assistance with resolving this issue. I have recently applied for a credit card at a credit union. The bank declined my application and stated there is fraudulent activity processed under my name. On a few occasions my social security card and ID have been lost and I am certain that may have caused my identity to be stolen. Shortly after, I was incarcerated and did not have the chance to report the stolen identification cards. I have provided all my information below for your review and awaiting guidance to help fix my identity/credit background. 




Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX Phone number : ( XXXX ) XXXX DOB : XX/XX/XXXX Texas Identification # : XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX account # : XXXX Consumer report for XXXX Reference # : XXXX Thank you, 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 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/XXXX I paid my mortgage with XXXX XXXX XXXX XXXX before the due date because I was going to be out of town and I wanted to make sure my payment was made.

I paid the mortgage at the XXXX, Oh branch of US Bank. On the receipt I was given it clearly said mortgage payment. On XX/XX/XXXX I missed a call while at work I called the number back at lunch time and was XXXX XXXX XXXX XXXX. I explained to the representitve that I missed a call and was told their was a problem with my mortgage but without my account number they could not elaborate on this " problem ''. So I left work drove home and called back with my account number and was told that my XX/XX/XXXX payment was past due. I told them that they were incorrect and I had a receipt proving I paid on XX/XX/XXXX. After some discussion they were able to figure out that even though the receipt clearly stated mortgage payment they mistakenly filed it as a principal curtailment.I missed over 2 hour of work due to their incompetence.

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 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kwikcash, Inc.
State: CA

Complaint narrative:
I had to take this loan to help out my family. I am struggling to pay it off but I do want to pay it off if the company would work with an easy payment plan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are  illegally put my information in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
I had to take loan to help my family through rough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Red Cedar Services, Inc
State: CA

Complaint narrative:
I had to take multiple payday loans and installment loans, five in total, to help out my family which was going through tough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # 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 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown

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