vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
My account with an a XXXX XXXX XXXX  XXXX was open XX/XX/XXXX. They reported me be in late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and my account was never open. My 1st payment wasn't due till the end of XX/XX/XXXX, they also report it we be on late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is totaled in 6 months past due. I was never late on these dates

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have filed a previous complaint. The company 's response was a joke. It ignored specifics to the complaint. I also must add my great disappointment with cfpb.

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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Holdings, LLC
State: MD

Complaint narrative:
I managed somehow to pay United Debt Holdings. Which I found out later on never to pay a debt collector without validating the debt first. Moving forward I have been attempting to reach someone at the United Debt Holdings  who can give proper validation of this account. I recently sent a certified notarized letter to the Chief Compliance Officer XXXX XXXX XXXX and received no feed back on validating the account which XXXX XXXXXXXX XXXX sold to them. In previous conversations I found out that United Debt Holdings outsourced the account to another debt collection company that is no longer in business. Their lack of response lets me know United Debt Holdings is unable to give proper validation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
AFTER HURRICANE IRMA, I REQUESTED FOR FORBEARANCE AND MAKING REGULAR PAYMENTS AFTER THAT ; BUT LENDER IS ASKING FULL 3 MONTHS PAYMENT TOGETHER ( ALTHOUGH, I ASKED THEM TO PUT IT IN THE REAR ), SENDING THREATENING LETTERS, SENDING THEIR EMPLOYEE TO PUT NOTICE ON MY DOOR AND ASKING TO MEET THEM FACE TO FACE ; BUT, WHEN I CALLED THEM, THEY SAID THAT NO NEED TO MEET FACE TO FACE! ALSO, SENDING FORECLOSURE LETTER ; ALSO, THEY BLOCK ME TO MAKE AUTOMATED PAYMENT AFTER THE 3RD PAYMENT AND CHARGING FEES TO TALK TO THEIR REPRESENTATIVE TO BE ON THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: FL

Complaint narrative:
I received a call from ( XXXX ) XXXX regarding an old debt back in XX/XX/XXXX-XX/XX/XXXX. The caller said this was a last attempt to find resolution and that my file was been sent to their legal department in my county the following morning for a judgement request. I was then transfer to someone by the name of XXXX XXXX who offered me to settle the claim or make payments overtime or face legal action within 24 hours. She made clear the file was in the process of legal action and only taking her options would stop that process. I asked for documentation in writing and she said they had sent a letter to previous addresses and to my address as well which I never received. As a matter of fact, it was the first time I had talked to these people. I asked for her phone number and she provided ( XXXX ) XXXX and she said her company name was premier holding and my case ID XXXX. I called the number back to get the address and verify dollar amount but the same lady kept transferring me to hold music then disconnect.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX was statement closing date Balance was XXXX US. At the same statement appears Credits, Fees & Adjustments ( net ) the amount of XXXXus, ending up total new balance of the amount of XXXX. 
I was paying the last two years the payments appears in my statement. I asked numerous of times from Care Credit a written explanation regarding the interest amount but no written explanation given. 

Finally I contact the Care Credit / Synchrony bank on Thursday XX/XX/XXXX at XXXXXXXX. A  representative confirmed the validity of the amount of the medical care card and stated because I failed to pay out the full amount a XXXXUS of two years DIFERRED INTEREST was charge to my account. I explain to her the application was offered from my doctor 's office with free of interest. 

I did receive an email from Care Credit on XX/XX/XXXX increasing my previous balance of XXXX to XXXX, XXXX US more. 

I ask the the representative to help me set monthly payments of XXXXUS. 

She stated '' there is no payment plan available for you now ''. 

I had no other choice but to report the unfair and unprofessional practices of Care Credit card to the Consumer Financial Protection Bureau. 

NOTE : The Care Credit card can be used only for medical purposes. Persons like me with XXXX  XXXX isn't fair treated like that. 
NOTE : I notify the representative I will hire an attorney provide him all the documentation I have bring my case and situation in a Court of Law because the DIFERRED INTEREST CHARGES are OUTRAGEOUS.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell XXXX XXXX what is exactly on my credit report. Experian is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell XXXX XXXX what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. XXXX HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2018-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I've contacted this company requesting validation and they sent me a bill with my name, but without anything further they also violated Hippa. 


XX/XX/2015- {$680.00} XX/XX/2015- {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: OH

Complaint narrative:
I was on a repayment plan and was making the scheduled payment through an auto debt from my checking account. I lost my job in XX/XX/XXXX and have not been working since. I called when I lost my job and they stated there was nothing for me to do except to call back when I could make the payments again. Unfortunately Ive not started work as of yet and the job I do have I will be salaried for about 20,000 less annually than what I was making on top of that Ive recently been divorced and have an extremely large child support order to pay for the next 14 years. My co borrower is a XXXX XXXX XXXX   Veteran who is on XXXX and Navient continues to call and harass him and threaten to take his home and sue him. Also Pennsylvania XXXX XXXX XXXX XXXX XXXX has been closed since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Collection was paid in full have a satisfaction letter. I paid this debt in full on XX/XX/18 to Hunter Warfield for the amount of XXXX to account XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Navient to see what options I have to lower my payments, I had recently got behind on payments and owed XXXX in back payments. They told me I could make a one time payment of {$250.00} and it would bring my account up to date. Then they would give me the month of XX/XX/XXXX for free and I would start payments back up in XX/XX/XXXX and the payments would be around 250.00 a month. I then called them back on XX/XX/XXXX because my automatic payments are coming out {$280.00}. I can not afford to pay this amount so I wanted to see if they can lower my payments. The person I spoke with transferred me 3 times, I finally got someone who told me there is nothing they can do. They said I only get 2 income driven repayment plans of which I have already used. They told me to call back next month in XX/XX/XXXX and I can attempt to file for Interest only payments, but it would only lower my payment to {$210.00}. I then stated this is still to much for me, I am a single mother with a tight budget and I can not afford this. They told me I need to find someone to pay my loans then and there is nothing they can do to help me. I am living paycheck to paycheck and this is a burden on my family. I am very dissatisfied with the customer service and I feel like they are charging me way more than I can afford and they offer no help to lower my payments and actually, since I have had this loan, it has gone up by {$5000.00} from the original amount and my interest rate is 11.25 %. I have been a borrower since XX/XX/XXXX and this has been an ongoing issue since starting my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Once again, Citizens Bank uses creative manipulation of their timelines on my checking account to exact the maximum amount of overdraft fees, even when the account shows online that it is fine. I check my account first thing in the morning, midday and evening. I have copies of their creativity. As of right now they have charged me {$100.00} for 3 things, in which I do not know which ones it is. In addition I have made numerous cash and check deposits from my business, which to them is not on time even when it is the same day. I have complained to you before about them and they have returned some of my money, but not this time. I am seriously considering a class action suit, as I am sure there are many other customers in the same boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months. 
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k! 
Someone needs to be held accountable Can you help us please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstate Collection Center, Inc.
State: NY

Complaint narrative:
Upstate collection center inc. 

The collection company calls me 5-10 times a day, I called them to see if I can come to a amount to agree on since the amount they are trying to collect is invalid and is all fees they charged, at that point the collection argent got very rude telling me I have to pay the whole thing I asked again if we could agree on something since the amount is not right, she continued to get hostile I then said to stop calling me and making any contact to me and my wife she then said thats fine we will continue to call your wife I said no I just said we dont want any contact its my debt and you need to stop calling she then threaten to sue me so I told her she can go XXXX her self and to not call me again. I dont feel I should be harassed and threatened expcialy when I have explained to them that my income falls under income that cant be garnished and there still threatening me. Something really needs to be done about this company when I look them up it comes up as perminatly closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted MBW after XXXX told me that my debt was sent to XXXX XXXX. I did not get a letter, email or anything in writing from MBW informing me of the debt owed. There was no validation in writing from MBW of the debt. When I contact MBW, Rep XXXX informed me that I owed {$690.00}. I informed him that I was on a fixed income and could not pay the debt owed. Afterwich, he transfered my call to Rep/Agent XXXX. I tried to explain to her that I didn't not owe the debt that XXXX is stating based on information from XXXX. XXXX is the representative for XXXX. XXXX stated that my account was credited for billing, therefore no debt was owed to XXXX. Needless to say, that didn't matter to her as she wasn't very pleasant. She was only interested in setting up the payment arrangements. She said she needed {$30.00} at the time to start the payment plan and keep it from going to the credit bureau. Afterwich an amount of {$110.00} will need to be payment monthly ( starting in XX/XX/XXXX ) for the next five months. Again, I stated that I was on a fixed income and could not afford it but it seems to not really matter to her. So I began the pain staking task of setting up payment arrangement by providing my bank information to MBW to keep my name from going to the credit bureau. She said that I will get a written letter starting in XX/XX/XXXX after each payment is made. I was not given the opportunity to resolve this issue with XXXX before MBW started the collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. 
I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. 
In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation.

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