vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MN

Complaint narrative:
I applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help 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 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Summary Your debt-to-credit ratio represents the amount of credit you 're using and generally makes up a percentage of your credit score. It 's calculated by dividing an account 's reported balance by its credit limit. 
Account NumbeXXXX XXXX XXXX Reported Balance {$1700.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A this account was made under fraudulent terms : i do not or have ever had a relationship with this vendor ; please dispute with the following creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing 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 2017-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: CO

Complaint narrative:
My loan servicer is the problem. Not the school. The loan servicer is Great Lakes the website is greatlakes.org. I choose the 25 year repayment plan. Every time I make an additional payment during the month they keep it and call it " money paid ahead '' they are not applying my extra money to the principal like I choose two years ago. The company wants me to pay {$90000.00} back over 25 years and not apply my extra money to the principal. Today I had XXXX of money paid ahead, now I do not see that. I want a reciept of which loan they applied the XXXX dollars too. The websit and contracting papers, state that if I put an excess payment on my account they can keep it for whatever reason and apply however they want, it also states that they can apply excess money to the principal. I recently paid two payments and they added it to my amount paid ahead rather than apply the payment to principal. Can you all help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX, I worked at the same job for 19 years rapidly climbing the ladder to a management position. During the next several years my credit was excellent. During the downfall of the late XXXX XXXX I had financial problems and some hospital bills that eventually led me to bankruptcy. All debts were listed as required by the courts and my bankruptcy was settled, stamped-and I had 10 years of basically no credit. The 10 year waiting period was over about 4 years ago-and my credit score has regained it 's once good rating. I 'm still only at XXXX, but out of the 5 cards that I have-2 credit and 3 store cards totalling XXXX worth of credit with an outstanding balance of all of them combined of about 6,000usd. I have applied for an American Express card twice in the last year. They have denied my request because of the fact that I added that account to my bankruptcy and still owed them money. My bankruptcy is completely off of my record. Why would one credit card company be able to do this when all others do not even keep those records. They have been forgiven as they are insured. The XXXX XXXX XXXX XXXX that I had for many years was actually given to me by my employer. I made the payments that were not business related, but it was still under the business name. Is it legal for them to do this? I can certainly live without one of their cards, but why are they able to hold onto those records that were dismissed by the federal court system in XXXX XXXX a long time ago. That is their reason for not issuing one to me-een a green or now a blue XXXX! It is because I owe them money-from a business account that actually belonged to the business, making them the responsible party. I listed it to protect myself in the event that a special law would in fact make this my responsibility, which I felt it was, actually, thus listing it. They are holding onto these records now for 20 years now. XXXX did not do this or any other card I now hold in good standing again. Thanks for your time. Happy Holidays-regardless of what the XXXX XXXX! I do say XXXX XXXX to my family, but what is this nonsense of being too politically correct? Oh-wrong timing here. Sorry! 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank appeared on my bank deposit from XXXX. and finances deposit into the account Acct # XXXX. Contact Citi Bank in person for answers and the outcome was negative also called the back office XXXX and a employee decided to pass the information to the supervisor.

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 2017-12-16 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 am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!

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 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.

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 2017-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
( XXXX ) This is the third complaint against this company who changed their name from Nation Star to Mr. Cooper, but the complaints are the same. CFPB closed the last complaint because the company responded, that seems to be a common result ... as long as they respond the complaint will be closed. This company has not offered any other help after we have made it clear these payments are not acceptable. We were told that once we made three trial payment our payment would be much lower. The trial payment were made but this resulted in higher payments and the company responding my XXXX exemption was not 100 % and XXXX XXXX sent tax payments out, although the tax were sent back several times. It seems that contacting this agency for help is not working as it once did and mortgage company like this one will continue to play games, hire unqualified people write garbage explanations back to homeowners. I will take this to another agency for help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid my credit card balance of {$2600.00} that was due on XXXX/XXXX/17, one day late on XXXX/XXXX/17 by mistake. I have accidentally done this in the past during my 5 years of membership at American Express, and as long as it was only a few days, they said not to worry about it because I have been a loyal customer. 

This time, they charged me a {$27.00} late fee on XXXX/XXXX/17. And then, they charged me {$290.00} on XXXX/XXXX/17 for interest expense! For paying a balance of {$2600.00} ONE day late, I was charged {$290.00}, implying an annualized rate of over 1000 % APR! 

They explained to me that if I read the fine print, they calculate it based on my rolling balance since the closing date of my last bill too, but that just makes no sense because I was n't supposed to pay that new balance until XXXX XXXX. Even if it 's in the fine print, it 's very clearly just abusive and they could n't even still explain to me how they got to the interest expense. If they ca n't figure it out over the phone and that is their job and have to get back to me on how they got to that calculation, how am I the consumer supposed to be able to figure that out?! 

So in total, I am paying {$310.00} for paying a {$2600.00} bill one day late, when I have been a customer with XXXX for over 5 years that has never defaulted on a payment and have an excellent credit score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I submitted my dispute in XXXX via fax, no confirmation from Equifax received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed Equifax customer service, to which they responsed with instructions on who to dispute. This is very frustrating, Equifax is not even allowing me to send information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted TransUnion regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.

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 2017-12-16 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 am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

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