vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 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: TX

Complaint narrative:
I went to XXXX XXXX XXXX later known as XXXX College in XXXX Texas XXXX learned later on the school closed due to bankruptcy probably due to the lies about the education as well as job placement that never happened as well as no one recognizing their medical billing and coding education classes as well as other classes being taught at this school I was told to call and get a loan from at that time Sallie Mae as well as pay a little over {$2000.00} out of my pocket to the school not knowing I was being ripped off by the time I realized it was too late now I am dealing with school loans I have put in foreberance several times and now consolidated loans paying {$80.00} a month until the amount goes up have tried to be forgiven several times anyway I could see was fit to get this forgiven and the last time I called XX/XX/2018 was told if I pay {$120.00} a month for 20 years will be forgiven but the calculation is closer to XXXX and original loan was around XXXX now with interest its closer to XXXX Navient is crooked and should be out of business as well as the fake schools promising what they will not and dont plan on giving you which is an education that will get you hired because you were taught correctly and is a respectable school that educated you with the knowledge to do the job The education system and loan system is a disgrace and those of use trying to make something of ourselves should not have someone in our pockets taking what little we do earn to pay for lying manipulative Thieves with cost going up and pay not everyone that was given this promise and was not made good on should be forgiven with no repercussions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
I have health insurance and I discovered a debt in collections through my credit report. I have a collection showing for XXXX in the amount of {$140.00}. This debt is not legitimate. I have requested debt validation and verification which has not been provided to me. I have also never received anything showing where this comes from. I believe it is an error.

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
{$1300.00} charges that i was never made please look at attachment. 
I have called these places to refund my money and then they hang up on me i never purchase anything in addition i talk to barclayed and i told them those are not my charges and they never returned my money back please help 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 monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: Synovus Bank
State: TX

Complaint narrative:
OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website.

I received notice from XXXX  XXXX   dated XX/XX/XXXX my letter was received and my account was closed.

Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
They are reporting inaccurate payments being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.

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 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Solutions, LLC (KY)
State: OH

Complaint narrative:
This company has called my place of employment. Im not allowed personal phone calls at work

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a loyal customer with Capital One for a total of 7 years now. 

In the past year I tried increasing my credit limit both over the phone and online I have call several times around 30 or 40 times in total in the past year and this year so far explaining to customer service reps and manager that I have perfect on time payment history as well as low utilization on my account and that Capital One has denied my request over and over again saying that the account is not eligible for a credit line increase. 
It has been a year since there has been a credit line increase in the account. 

I want it to be taking into consideration not only that I have been a loyal customer with Capital One but also that I have perfect on time history and low utilization in the account and I wish more than anything as a loyal paying customer to received my credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX  XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking 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 monetary relief
Consumer complaint received 2018-04-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
They are reporting inaccurate payments being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2018 XXXX. XXXX XXXX XXXX FL XXXX Please be aware that you have listed an account on my credit report that I am unaware of. Did investigation on this account and realized that this has nothing to do with me. With that being that I have filed a police report, a complaint with the FTC, and I have filed a lawsuit yesterday morning at the XXXX XXXX County Courthouse because you have violated my rights in several ways pertaining to the FCRA sections 609, 610, 611 615B and many more. I know my rights so I have decided to take legal actions towards your company and Im sure youll receive documents for the up coming hearing dated in May. I have contacted you before this time and I realized that you continue to leave the account on my credit file for months falsely verifiying without 100 percent correctly using legal verification methods. 
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for original proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 3 business days to provide strict original proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to another collection agency or an attorney without providing original proof of contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. I am warning you that this is my final good will letter to inform you that this dispute is an internal dispute and I am sending this as an affidavit as well. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.

3. XX/XX/XXXX XXXX  # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.

4. XX/XX/XXXX XXXX # XXXX  informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.

5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.

6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.

I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.

This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I just received a copy of my credit report and I found XXXX hard inquiries that are fraudulent, i immediately contact these companies and also called Experian but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit report. Please help me removed these fraudulent items from my credit report ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( 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 non-monetary relief
Consumer complaint received 2018-04-14 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
i have XXXX XXXX/XXXX on my credit report DIVERSIFIED CONSULTA that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of 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 2018-04-14 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
XXXX and XXXX is reporting a balance of {$5000.00} with Prosper account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like Prosper to send the correct balance of {$0.00} to XXXX and XXXX. I would like XXXX and XXXX to correct Prosper account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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:
XXXX and Experian is reporting a balance of {$5000.00} with XXXX account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like XXXX to send the correct balance of {$0.00} to XXXX and Experian. I would like XXXX and Experian to correct XXXX account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.

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