vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On an ongoing basis, when I receive my XXXX 's bill, I pay the balance in full. Each time I pay the balance in full the following month I receive my statement stating that I owe {$2.00}. Each month I call and the automated system then removes the {$2.00}. This month I was frustrated with having to call each time to have this removed. I am sent a bill, I pay the full balance of the bill, in the correct amount of time allotted, yet I am charges and " interest fee '' for the balance. Who is to say if I pay that {$2.00} they will not charge me another " minimum interest fee ''. When I spoke to a representative, they explained this is the interest generated on the account from the time the previous statement closes until the payment is received. Here is my problem which I will attach 4 statements to clarify, in XX/XX/XXXX I paid off {$82.00} and change bill, I received a {$2.00} interest fee for " the accrued interest from the previous statement until I paid it off '', in XX/XX/XXXX I paid {$49.00} to pay off my bill, a lower amount that XX/XX/XXXX, yet my accrued interest on a lower amount was the same {$2.00}. My feeling is, if I pay a bill off, I pay it off, there is no other interest if paid in that statement. The {$2.00} is way of XXXX 's either making people feel they underpaid their statement and they are collecting it, or people do not notice it and the next month have a {$27.00} and a 30 day late penalty on their credit, because of a late payment and thinking they paid the bill off. 
This is a sneaky business practice needs to be 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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I repeatedly receive calls starting at XXXX XXXX lasting until XXXX XXXX. I attempted to answer several time but am hung up on.

I have asked the representative to identify themselves and what the subject matter is. They claim it is for my account.

I have not received written notice of this debt. I can not verify this debt on my credit report. I am not aware of any other collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I am XXXX XXXX military and in the process of trying to purchase a home. which will be my forever home/retirement home for completed 20 years of military service. There are some late payment reports on my credit report from my current mortgage lender BB & T. My credit report shows that I had late payments for XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. I have reached out to the bank numerous times explaining to them that I was having financial issues due to having one source of income and being stationed in XXXX XXXX California. Also, I had a tenant abandon my property and in the process of transferring to XXXX XXXX, Texas. Finally, I assumed responsibilities of a nephew due to my sister being XXXX   and I had a death in the family which the family member did not have any life insurance, etc and my family and I had to allocate the funds for burial. I have called BB & T and spoke to several representatives on several different occasions during this painful financial setback. I have also provided a written requesting stating all of these facts to their mortgage department as well as the SCRA department of BB & T. Additionally, I went into a branch in person as well. I have been a loyal paying customer to BB & T since XX/XX/XXXX and have never had any issues up to this point. I am humbly requested that these late payments be removed so that I can purchase my final home before retirement.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ok I have never missed a payment on anything but my credit score drops when I accumulate some cc debt. I always pay my bill and more than the minimum. My dad has the exact same name so I think I have millions of dollars out there but all paid? why would my credit drop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PR

Complaint narrative:
I previously submitted this as complaint XXXX, but it was not tied to my CFPB account or log in. I also did not receive an email confirmation. 

One of my federal loan servicers is demanding I send them a paystub within 90 days. I already sent them verified IRS data about my income. This is for the Income Driven Repayment Plan. This is not allowed under 34 CFR 682.215. I tried to call them and they were not helpful and did not understand my complaint. They said it is simply their policy but was not able to identify where this policy comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX & XX/XX/2018 I requested removal of two XXXX XXXX accounts which I was an authorized user only and not a responsible party. The accounts listing on both EXP & XXXX were removed ; however, despite 2 requests, Experian denies my request.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off 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 non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I didn't know which way to turn but for years on my credit report there is a Texas   address that I have never lived. 

I would like to know how to get that off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After receiving an email that my complaint has been completed from your website and I saw that Trans Union gave an answer where they pretty much said they would not delete anything. I called Trans Union on their XXXX number and the woman on the phone said that I did not meet the criteria to get the items that I needed deleted but at the same time said that she could not tell me how to meet the criteria because of some company procedure. I feel that this is extremely unfair and ties the hand of the consumer because If I dont know how to get it take it off my credit report and the credit bureau themselves will not tell me how then it ties that persons hands. Their procedure makes no sense from an investigation standpoint. Especially with the fact that I provided a police report ( and other crucial evidence ) about the identity theft/fraud, and they seem to be practically refusing to delete anything.

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 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
This is the 3rd complaint I'm sending regarding Medical Business Bureau. Please see my complaint ... followed by their response. 

My complaint : I filed a recent complaint with CFPB regarding complaint number XXXX in early XX/XX/XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP Their response : We verified the debt with the hospital and a letter was sent to the consumer informing them that the account is owed. The consumer may contact us at XXXX. 

By law, they are required to validate the debt with me since I am the consumer. All they sent me was a bill which list the amount they say I owe, they did not send me anything bearing my signature that I signed which under the Fair Credit Reporting Act, I am entitled to receive. This is fraud and both negative reporting items will need to be removed ASAP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX & XX/XX/2018 I requested removal of two American Express accounts which I was an authorized user only and not a responsible party. The accounts listing on both XXXX & XXXX were removed ; however, despite 2 requests, XXXX denies my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells fargo called me and told me i needed to make a payment on my account or they would close the account. I made a payment to prevent this from happening with the lady who called. I paid XXXX $ to keep my account from being closed. I received emails and my bank statement showing that my payment went through. I called multiple times to ensure the payment was successful and was confirmed that my account will not be closing and it would not affect my credit. About two weeks go by and I get another phone call stating my payment was declined ( Although it shows on my bill that it was paid ) and that my account has been closed. I now have to work with a debt collector instead of the bank and they will not reopen my account stating I need to make the full payment to now remove this from my credit. I have tried working with Wells Fargo multiple times to get this issue resolved and they are XXXX help. I made my payment on time and they still closed my account and wont resolve it. I am extremely disappointed in this company and need this removed from my credit. 

Thanks, 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 explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MD

Complaint narrative:
I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large cable company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX XXXX  that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to Sallie Mae about this and they basically told me tough cookie. I defaulted on the loan in XX/XX/XXXX and have never looked back. In XX/XX/XXXX they sold the debt to Navient. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have attempted to recover my missing funds in the form of bitcoin from Coinbase since XX/XX/2017. I have emailed them several times and spoken to their customer service and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I have been in contact with Credit Central to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with Credit Central, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: ID

Complaint narrative:
I have a student loan held by XXXX XXXX which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and Nelnet, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Access Financial LLC
State: CA

Complaint narrative:
I applied online this morning for a {$2500.00} installment loan. Even before I could hit the eSign button I had received a notice of loan rejected. This was of course after I provided banking account information, routing number etc.. I feel like this service and many others out there are just collection bank accounts for future use at their discretion. I feel this way as I was denied prior to even signing the documents before I was denied. When I called, they couldn't answer any of my questions and just directed me to an email I received from them filled with pre-populated rhetoric. Atleast if youre going to be a vulture company, atleast provide the 185.00 % mark up loans you advertise. I was willing to pay XXXX on XXXX and was still denied for reasons very unclear

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 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
In XX/XX/2018 I contracted with XXXXXXXXXXXX for TV service and internet. After Tv was connected, I was informed that XXXX could not provide internet service. I was forced to fine alternate internet service. About three ( 3 ) weeks later we were unable to get TV service. Screen message said " problem with satellite ''. Tihinking that XXXX surely knew when the had problems, I did not report this outage. Within a few days a second outage occurered, making tv completely unusable. I called the phone number on screen and was greeted by a woman who refused to let make a notification about the outage until I purchased an insurance policy in the amount of {$99.00} on the XXXX  equipment which I was paying rent for. I refused and was informed that I was " going nowhere until I came up with {$99.00} ''. I hung and the next day went to the local office and informed them that I was cancelling my service and why. I returned all XXXX equipment the next day to their local store. No one would sign that I had returned the equipment, but I left it anyway. 
NowXXXX is billing me {$680.00} for early cancellation charges. 
They completely ignore any letter that I send and have turned the matter over to a debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I purchased my home in XX/XX/2003. My mortgage was sold several times and each time with larger problems. Eventually I was told the house would be foreclosed If I didnt agree to modificatioN. 
I have all of the paperwork to support this. 
Ultimately I have a XXXX balance on a mortgage of XXXX. That I have been paying monthly in for 14 years This is a travesty and I need help addressing this

Company response to consumer: Closed with explanation