vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Apparently, this company REFUSES TO REMOVE THE DISPUTE REMARKS, AND TAKE MY PAYMENT!!!!!! THEY HAVE DIRECTED ME COUNTLESS TIMES FROM ONE PHONE AGENT TO THE NEXT!!!! THEY SEND ME COUNTLESS COLLECTION LETTERS, YET, THEY DO N'T WANT TO RESOLVE THE ISSUE/TAKE A PAYMENT, BECAUSE THEY KNOW IT RUINS MY CREDIT AND IN TURN, MAKES IT DIFFICULT FOR ME TO OBTAIN A MORTGAGE!!!!! I 'M TRYING TO CLOSE ON MY HOME, AND THEY 'VE MADE IT DIFFUCULT DELIBERATLEY!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I DO NOT HAVE A LOAN EVER WITH CHRYSLER CAPITAL # XXXX THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had a private loan through XXXX College for a long time now. I started school bak in 2006 and since then I never found a job with the degree I obtain. I was told I would be placed in a XXXX and that never happen. I was told there was a law sue with XXXX college and that those that were lied to that there loans would be forgiven. I was with XXXX XXXX and then another company after that. Since then I was changed to Navient, who is a very hard company to work with and do n't want to help at all and do n't care to help. Since there are just here to collect the money they do n't care what went on with XXXX they just want there money. I currently owe over 97 thousand, and I am also currently in school right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  has not updated the payment status on   XXXX    & T ransUnion to paid.  XXXX  is still reporting " Bad debt & placed for collection & skip '' The balance is  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 2017-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
I have corresponded with this company multiple times and each time I 've told them this is n't my debt and I 've requested validation as well. They recently sent me what they deem validation but it does n't belong to me. It 's a copy of a  XXXX   XXXX    XXXX    check where she paid  XXXX   XXXX   XXXX  a {$10.00} payment. I 've never lived in Texas and my name is n't  XXXX   XXXX . With all the identity theft going on they 're not careful enough to protect other people. It also has an address I 've NEVER heard of or lived at and has some  XXXX   XXXX  as my significant other. The only  XXXX   XXXX  I know of is the   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

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 2017-06-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: NC

Complaint narrative:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

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 2017-06-28 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: CA

Complaint narrative:
I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX . Experian has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the Code "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ...   XXXX   has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the 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
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a insurance check in the amount of {$11000.00} for a new roof and for some really stupid reason mortgage companies have to endorse the check. Since there are no local branches for CitiMortgage, I had to mail the check to OH. On Monday morning X/XX/2017 I spent {$28.00} at XXXX to overnight the check with a letter and a {$10.00} check to overnight it back to me. CitiMortgage received it on X/XX/2017. I called on X/XX/2017 to get the tracking number and the representative XXXX, told me it would take two days and would not be sent out until Friday XXXX XXXX, 2017. Meanwhile, every time it rains, my roof leaks in several spots from storm damage. First, it is taking more than two days. Plus, if they are n't sending until Friday, that means I wo n't get it until Monday. Because CitiMortgage is making me jump through all these hoops, is really terrible for the homeowners, I am unable to give the roofers a down payment until I receive the check and cash it. First, CitiMortage should n't even be on the check. I am the one who pays for insurance. I pay my insurance directly and I do not have it calculated into the mortgage payments ( I do n't trust banks ). Second, if I am overnighting the check, therefore they should send it back either the same day or no later than the following date. Especially if the customer is having to pay for overnight services! Thank you.

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 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Due to government cut backs, I lost my job with the XXXX XXXX XXXX in XX/XX/XXXX. I received a severance package. I moved to find a better job and started looking for a job immediately. With my severance, I was able to pay on my private student loans for several months but when I saw I was running out of money, I had to save money for rent, electric, water, and groceries which I consider the BARE NECESSITIES. I got behind on my loans but in XX/XX/XXXX I found work. I have been paying more than the minimum amount to try to catch up. For the last 4 months, every month, I have paid. But Navient calls multiple times a day. I can make a payment today and they will still call me. In the beginning I spoke to them and explained, I just started a new job, I have been paying more than the minimum to catch up, however this amount is all I can afford to pay each month. This should be documented in their notes, this should be known, still they persist. My situation today has not changed since yesterday, since last month, since as far back as XX/XX/XXXX when I started this job. I have an alotted amount of money I can use for student loans. PERIOD. I have spoken to a lawyer about my loans in which possibility of settling was discussed. I can not however come up with X amount of thousands of dollars to settle at this time. Now I am researching better business practices to see suing for harassment is possible. Consider this a formal complaint on the company. I have screen shots of my phone which shows how many times they have called me since XX/XX/XXXXXXXX and how many voicemails I am left. I 'm to the point my voicemail box is almost full and had to make a complaint so I can give over whatever records are necessary so I can continue to receive their hounding phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
took out a personal loan with speedy cash in   XX/XX/XXXX  in the  amount of  XXXX  paid it of o n  XX/XX/XXXX ..and my  pay off  XXXX  payments were taken out twice a month at  XXXX  dollars i paid over  XXXX  dollars just to pay if  XXXX  dollars less of what i borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a loan through a financial institution that is set up on auto payment and comes out before the due date every month but on my credit report they show that I have been 30 days late on this account 4 times. I have tried disputing this with the bank in question as well as the three reporting credit bureaus but nothing has changed.

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 2017-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I was wit h Lexington Law sinc e  XXXX . When I sign up for the services I put another credit card which is expired on file. Now I been with this company since  XXXX  the man told me it would  be a one ti me fee of  XXXX  dollars that they would authorized from to take. They took my money my credit report still look the same. When I called this morning to resolve the issues but instead I got a rude lady saying they do n't give out refund so thats on me. When I told the lady that I did n't authorized the transaction she proceeded to still be rude. So then I asked what kind of company that do auto pay do n't give confirmation numbers she said us when I asked for a supervisor I had to wait 1hour for the lady to come back on there saying no supervisor and do n't call back no more. I think its not right. I 'm a single mother of  XXXX  trying to maintain all I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I received via email from AMEX a promotional offer to upgrade my Gold Card to a Platinum Card. The deal was that if I spent {$5000.00} over the next 3 months I would receive XXXX reward points. I followed the link in said email, applied for the upgrade, was accepted and received my Platinum card sometime in XX/XX/XXXX. Despite having met the {$5000.00} commitment and then some I never received the point reward. I have contacted AMEX on at least 3 separate occasions. The inquiry is made by the representative I speak to and I am advised that I will receive notice of their decision via mail, email or a phonecall. Not once have I been contacted. Each time I have to call them again to find out what has happened with my complaint. Their response now for the 3rd time is that they did not solicit my business through an email ( according to their data ) and therefore I am not eligible for the reward. An Amex rep I spoke to in XX/XX/XXXX confirmed that there was indeed a promotion out there to Gold Card Holders about upgrading to the Platinum Card and she resubmitted my complaint as a result. Note : I would never have upgraded to the Platinum Card had it not been promoted to me. I have been a Gold card member since XX/XX/XXXX and had no need or desire to switch until this offer was received by me. I am about ready to cancel my card and never use Amex again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCI Financial, Inc
State: WA

Complaint narrative:
I emailed CheckCity on XX/XX/XXXX because the website would not accept my correct payday, but it had my withdrawal date a few days before I got paid. The customer service rep fixed the problem in their records to be withdrawn on XXXXXX/XX/XXXX, though if did n't show up on the website. They assured me about twice not to worry. <P/>I looked this morning, XX/XX/XXXX, and my bank account showed a negative balance of {$350.00} ( because I had a previous negative balance of {$58.00} until I got paid on XX/XX/XXXX). I had just perfectly figured out my finances for XX/XX/XXXX, so I was extremely upset when I saw this. This money was not supposed to be withdrawn until XX/XX/XXXX. I emailed to demand they fix this error and am awaiting a reply. <P/>I will never use CheckCity again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: TX

Complaint narrative:
In  2001 ,  XXXX   XXXX    XXXX   issued to me a  XXXX  ending in xxxx  XXXX .     The ir 30-day la te payment notice is still on my credit report.     I believe the statute of limitations has passed.     So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX   XXXX  and their new credit card department in  XXXX   XXXX   (   XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from 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