vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
This concerns the XXXX XXXX Visa card. 

To reserve some cash for a summer vacation, I paid {$5000.00} out of XXXX on a monthly bill in XX/XX/2018. This left a balance of {$2200.00} that carried over onto the next month 's bill. At the end of the  following period, I paid the statement balance in full. For the first month I was charged {$58.00} and for the second month -- the month for which I paid the entire statement balance -- I was charged {$120.00}. This means I effectively paid 8 % to carry a balance of {$2200.00} for one month on a card for which I only have a 16.99 % APR. There is no clear way to understand this on their terms and their explanation only confused the matter. I tried to clear this up with Citi on XX/XX/XXXX to no avail.

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 2018-08-17 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: TN

Complaint narrative:
Today ( XX/XX/XXXX ) I checked credit report ( Transunion ) in order to make the preparations needed to buy a house. One of the hard enqiries is from a company called National credit card/Airlines : dated : XX/XX/XXXX. Transunion just gave me a run around to contact another company. I don't know why this National credit card/Airlines is on there and I don't know what it is, but I didn't apply for anything with National credit card/Airlines. I'm trying to fix my credit so I don't need hard inquiries I have nothing to do with on my 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 2018-08-17 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: GA

Complaint narrative:
Equifax has inquires that I never authorized on my credit file. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: AES/PHEAA
State: NY

Complaint narrative:
I have made payments from XX/XX/XXXX to XX/XX/XXXX under the Public Loan Forgiveness Program and my employment certification was accepted by XXXX from XX/XX/XXXX to XX/XX/XXXX. The qualifying payments should reflect 34, instead i was given credit for Qualifying payments of 13. When I requested for these payments to be reviewed in XX/XX/XXXX with XXXX 's PLSF team, i was told it will take 60-120 days to receive a result. However till today ( XX/XX/XXXX ) I have not received any resolution. I filed a complaint with Student Aid and they just forwarded the request to XXXX who are still giving me no relevant information. I have requested a letter that itemizes all the payments that were considered qualifying towards the PLSF program and the ones that were not categorized as satisfactory and why. In addition, i requested information as to what I can do to dispute these unsatisfactory payments as i was never informed that i was paying " ahead of schedule '' by having it debited from my checking account which was set up by XXXX itself. I was told that i can only file a complaint and because the payments are under review ( since XX/XX/XXXX ), there us not much they can do as XXXX PLSF team is backlogged. 

The Qualifying payments thus far from XX/XX/XXXX to XX/XX/XXXX has been for 13 payments only. The following monthly payments are under review and I would like help in getting the following months to be considered eligible/qualifying payments towards the 120 payments required to complete the PLSF program. 

Payments i would like resolution on were made on the following dates : payments made to XXXX XXXX and XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC
State: VA

Complaint narrative:
On XX/XX/2018 a debt collector from Weinburg Mediation Group called the address that I do not reside at any longer. The collector told a relative the amount of debt that I owe, which I thought was private information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am a first time home buyer. I have been shopping around with some banks. Yesterday, I received a fully executed contract and my partner asked for me to check out some rates ; and I XXXX it. 

The first place I registered with was with Quicken Loans, and I received a call within seconds. It was a woman saying, i'm from Quicken Loans. Next thing I know i'm passed to another person ; and he starts to pitch me. Within minutes he processed my credit and I had never consented to this. I just wanted to hear what rates they are quoting today for me to chose where I would like to lock in my rates with. 

This is such a sensitive matter b/c running my credit impacts my score and I need the highest score possible score to get the lowest possible rate. I am so XXXX upset because I had no idea what was really going on and I worked in finance for most of my career. As soon as he told me my credit score I was like : " wait, you ran my credit? '' Whatever quicken loans is doing is so predatory and it needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. I also have no knowledge how they are claiming i owe any money. I have never been to the hospital they claim i owe.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. They also continued to contact me even after i sent them a certified letter telling them not to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: BlueChip Financial
State: MA

Complaint narrative:
Payment arrangement set up with company to pay $ XXXX  monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Transcontinental Credit & Collection Corp
State: CT

Complaint narrative:
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX I attempted to temporarily lift my security freeze on my Experian Credit File. I first used their https : //www.experian.comXXXX   online security freeze center but was unsuccessful, even after trying every past address combination that I could think of. Note : I had no issues temporarily lifting the security freezes that I had on my XXXX and XXXX credit files when using the same personal data. I know the payment method that I was using was not the problem because at every attempt I made, Experian charged my credit card with a temporary authorization of {$10.00}. 

After each attempt, I was redirected to a page that gave instructions for mailing in documents to verify my identity along with a request for a security freeze lift. There was also a link to an " upload documents now '' form. Each time that I tried to submit the documents using this online link, it failed and I wast redirected me to a notice stating that I must mail documents in to have the freeze lifted. 

I tried to call XXXX, XXXX, and XXXX to get assistance but none of these # 's allow for talking to a live person. 

I feel that Experian has made it so difficult to manage security freezes that they are putting an undue burden on consumers. Especially the military, who don't have the luxury of having access to fax machines and post-office service when they are deployed. I'm XXXX right now and if I had to mail in all of the documents that they are requesting to lift my security freeze it could take weeks for it to be received by Experian and processed. Not very convenient when trying to apply for a home loan. It basically puts a hold on the entire process of being underwritten for credit.

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 2018-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage bought our loan from some other lender, why don't we get a say in this? 
But the real problem comes with our tax escrow check being held while we are exempt from property taxes. In XX/XX/XXXX of this year we finalized our XXXX XXXX XXXX veterans exemption with our county assessor. In Illinois I am exempt from property taxes. Freedom Mortgage paid the taxes to our county and the county refunded the funds back to them in XX/XX/XXXX, it is almost XX/XX/XXXX now and they are still holding our check! My wife has made approximately 20 phone calls with no real results. She eventually got the " privilege '' of speaking with a manager,  who basically lied to her stated that he/she was going to take care of this and now he/she will no longer respond to our calls! Why would they need to hold my money for over two months? 
This is XXXX XXXX and i have been a XXXX Veteran for more than a decade. I have alot of time on my hands and I will copy and post this complaint to every website out there until I get MY MONEY back. 
Freedom Mortgage, you know how my address, I will be checking the mailbox ... ... ..

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NE

Complaint narrative:
My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services (  a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: GA

Complaint narrative:
TransUnion has inquires that I never authorized on my credit file. As well as disputing a mailing address that is being reported incorrectly. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires

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 2018-08-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX   Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )

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 2018-08-17 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: SC

Complaint narrative:
I have had some issues with identity theft and I sent the information to Experian and the account is still on my report, which is killing my credit score.

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 2018-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Integrated Mediation Solutions LLC
State: MO

Complaint narrative:
I received multiple calls from Integrated Mediation Solutions LLC between XX/XX/2018 and XX/XX/2018 regarding a loan taken out with a XXXX XXXX XXXX XXXX   d/b/a XXXX. Upon first speaking to me, the representative stated that she was calling prior to sending a judgment to my employer to resolve this debt because I failed to respond to a court summons. When I did a case search and was unable to find any filings filed by her company, she then backtracked and said that it had not been filed yet and that she was giving me the opportunity to resolve the debt. I asked for her to provide proof of the debt, and I received a form letter from her company via email ( attached ). On XX/XX/2018 I received two phone calls, one on my personal phone and one on my work phone from this company. When speaking to them, they stated that they emailed me a letter. When I asked for proof of the debt they tried to send me back to the original lender to ask for my contract. I advised that I want Integrated Mediation Solutions LLC to provide me with a copy of it so that I know they have legal jurisdiction to collect this debt. The agent/supervisor continued to try talking me out of this, and stated they would no longer be able to settle later on if I requested proof of the debt today. She stated that I was refusing to pay the debt, and I corrected her by saying I only asked for proof. I ended the call by asking for proof of the debt be provided to me. This lender violated the FCDPA by misrepresenting that they had filed a lawsuit and obtained a judgment already. They tried using scare tactics that were unethical because I wanted proof of the debt as Im authorized under law. Lastly, the original lender is not licensed in the state where the loan was obtained, and loan principal has already been paid in full. The original lender utilized an ongoing tactic of renewing the loan weekly so that it could never be paid back. Lastly Integrated Mediation Solutions misrepresented themselves multiple times - 1. Stated they received a judgement against me already, 2. Stated that I failed to respond to suit filed, 3. Stated they were representing a law firm when they were actually representing XXXX XXXX, 4.  Failed to provide the mini-Miranda stating they were a debt collector in phone conversations.

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 2018-08-17 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: OH

Complaint narrative:
i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and equifax after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
. In XX/XX/2018 while I was at XXXX XXXX XXXX I called Wells Fargo to pay my monthly car note. While I was on the phone with customer services representative, he informed me that I was a month behind. I was like " wait a minute that doesn't sound right, I Just paid you. '' He couldn't give me a straight answer of when it was and where I was behind. I have called to several times to get straight answers on all stemming from this one incident. I have been told 2 out of 3 times that they do not do automatic payment plans to someone else saying yes they do automatic payment plans. They have never informed me that they do online automatic payments through online banking. I have asked to speak to management only to be yelled at. This has been THE MOST unprofessional company I have ever had the displeasure to come across. All representatives have been inconsistent with company policy. I have been asking for over 30 days for a 10 day pay off letter which I am entitled to obtain, I am looking to refinance through another bank with a higher interest rate just so I do not have to do business with Wells Fargo. I have utilized my resources to obtain further assistance, Consumer Affairs counselor from XXXX XXXX XXXX was able to contact Well Fargo and spoke with XXXX supervisor of customer service. XXXX stated that she will email XXXX with the 14 day pay off and the payment history for the length of the loan for review. I would like to resolve this matter by receiving the 14 day pay off letter and for the lender to adjust my credit report history within the Fair Credit Reporting Act.

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