vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: GA

Complaint narrative:
I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments. 
2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location. 
3. This ERROR in their system that caused this problem occurred within their system. 
4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I s cheduled a payment of {$380.00}, payable on XX/XX/2019, from our joint checking account at XXXX XXXX, R I. to Bank of America 's VISA Signature credit card. 

However, instead of {$380.00}, the Bank of America debited my XXXX Checking account {$38000.00}, that is, 100-times the amount owed -- that is, {$37000.00} greater than the amount owed! 

I discovered this egregious error on XX/XX/2019, a XXXX. 

On XX/XX/XXXX I personally reported this egregious error to my personal banker at XXXX XXXX, XXXX, RI, but she directed me to the Bank of America. I brought this to the attention of Mr. XXXX at the Bank of America on XXXX XXXX, XXXX, RI. However, since the credit card was in my wife 's name I was asked to have her go personally to the Bank ; she did, and met with a banker the same day, XX/XX/XXXX, but at the branch on XXXX XXXX, XXXX XXXX, RI. The banker phoned the card 's customer service # for a resolution of the egregious error and refund the overdraw to our joint account. 
However, as of today, XX/XX/XXXX, the excess amount withdrawn from our joint account has not been credited. This is totally inexcusable.

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 2019-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I dispute the amount owed by me to Select Portfolio Servicing on behalf of XXXX Bank XXXX XXXX XXXX for the benefit of the holders of the XXXXXXXX XXXX XXXX XXXX Mortgage Backed Notes. 
After several attempts to get information on this actual trust I still do not have it. 
Select Portfolio Servicing seems intent on foreclosing on my property rather than giving me the correct information I need to get out of this situation. 
There is a foreclosure date set for XX/XX/2019. As of today XX/XX/XXXX they are refusing to extend the date of the foreclosure even though there is and open dispute concerning this trust that my loan is a part of. 
I dispute this foreclosure date as well demanding they extend the date so that I may react time to react to the information they give me on this trust. 
I have interested parties in the property and can avoid a foreclosure on my record if this date is extended and I am given the correct information that I seek from Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My business account ending in XXXX has not been credited the {$390.00}. Deposit which was stuck in the ATM at the XXXX MA location Monday XXXX XX/XX/19 XXXX morning when making my business deposit. This occurred when the ATM froze, keeping the card, {$40.00} check and {$350.00} cash. I called and a claim number was given to me and was able to get my card back the same day. The next day it appeared the ATM was serviced and everything was found. This after calling the customer service number and they called the branch and verified all of the money and the check was found and verified! I have not however received the {$390.00} back in my account today and is now causing issues with my accountant and a customer who paid a deposit for an item we cant order till the check is deposited and clears! The other day I was hung up on by an employee named XXXX from the call center after being told by the branch to call there about the missing money. The bank is outright refusing to give me my funds that they verified the day after they were stuck in the machine! Please help me get the money that is reghtfully mine that they will not give me! Thank you! XXXX XXXX - President/CEO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
My wife and I had tried multiple times to get affordable payments. When numbers changed, they didn't have a clear understanding. Also there was a time ( multiple ) I had to manually put in loan amounts to get the appropriate numbers with Navient. 
We will be paying this off in full, but are concerned about accurate info from Navient. We intend on paying the debt, and are currently behind, mainly because of all of the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Nelnet, Inc.
State: AL

Complaint narrative:
I was permanently discharged from my student loans due to my being permanently XXXX. I received a letter from the department of education that my loans are being reinstated due to me not sending proof of my income. This isn't true. I did mail them the information like. My income is only {$11000.00} I am unable to pay for my student loan. But the department of education isn't having any mercy on me. They can also look me up and see how much income I have,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I spoke to a representative on XX/XX/2019 to discuss the new payment plan on my student loan. She told me that it would be paid off in 12 years, on the XXXX of every month on a graduated repayment plan. She read me the forbearance letter and told me I didn't need to do anything else, I would see the updated information on my online portal. 
Further, on XX/XX/2019 I got online to review my account. No changes had been made. I called navient and was on the phone with XXXX for XXXX minutes. He told me I was given incorrect information and it was filed in correctly on XX/XX/2019. He hung up on me while trying to transfer me to the supervisor. I then received a call back and was told that the options were to extend my loan out to XXXX at a much higher monthly payment. 
I received incorrect, misrepresented information and was advised to be in forbearance when I had funds to make a payment, collected more interest on the loan, and got falsified information on what my payment would be and when payments would end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
In XX/XX/2013 I did open a car loan with GM Financial. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NC

Complaint narrative:
I have sent letter after letters since XX/XX/2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to experian, XXXX  and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.

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 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 I noticed my credit score dropped. Then noticed it was because XXXX credit card had decreased my limit by 3,000 dollars. I have very good credit and have never had a decrease in 27 years of having credit cards so this made no sense to me. I called them. They said it was due to inactivity and the only way to try to fix it was to request an increase which would be a hard inquiry which would make my credit score go down even more. I dont think this is right. Its penalizing consumers with good credit and reducing their credit score. I think its bad business practice and that is why I am filing this complaint.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I sought out the services of Accredited Debt Relief for their debt consolidation services. Upon signing up I had a total of around {$7000.00} in debt that would be enrolled with Beyond Credit. They pulled my credit report prior to enrolling. AFTER enrollment it was mentioned within a long email that it would take 4-6 months for them to begin paying out ... I called Beyond Credit and was then informed, after they took my money, that it was a settlement service to pay out 50-55 % of what I owe yet in my contract they are charging me for the full amounts to each creditor plus enrollment fees of approximately $ XXXX and service fees of $ XXXX. I am demanding a refund of the money I paid to them and would like them to remedy the fact they completely mislead me into which services I was given. It was deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NC

Complaint narrative:
I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, XXXX and transunion and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and XXXX stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.

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 2019-03-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, equifax and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER  stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My complaint is that I worked at a university for 25 years. During that time I took student loans and attended classes. I was a single mother of XXXX  and the loans helped a great deal and I had hopes of finishing my XXXX XXXX. My children XXXX  had XXXX XXXX and they had to become my priority and dropping out of school was the only option. I made monthly payments for years and when I ran into financial problems I tried to get the payments reduced. XXXX XXXX income driven monthly payments were too high and I finally gave up trying. I am now XXXX years old and still owe student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: LA

Complaint narrative:
I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have my auto loan with capital one since XX/XX/XXXX and i never been late and they show i was late once in XX/XX/XXXX late and my credit shows late payment. this is there own processing error i have never been late and i explain it to them and they wont remove this late payment from mine and wife XXXX XXXX credit report. i want them to remove this late payment from both of us credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Today XX/XX/2019 Synchrony Bank called my father-in-law for the third time, informed him that I was late on payments and owed money. They have my current address and phone number so they are unlawful contacting relatives and informing them of my personal business. They also contacted my brother-in-law on Friday XX/XX/2019 for the same issue and gave info about me owing them money. The law states they may only contact relatives in an effort to locate someone, however they have my current address and phone number and need to cease calling relative and providing personal information about my banking business with them. They are breaking the law..

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 2019-03-25 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: LA

Complaint narrative:
I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

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 2019-03-25 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: LA

Complaint narrative:
I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
We have been trying to get our free annual credit reports online for the past several days. We received copies from XXXX XXXX and XXXX without any problems. We are having a major issue with Equifax. Like I stated, we have probably tried twice a day for the last three days to get the report online. As you go through the process, everything is fine until after you enter the last four digits of you social security number. That is when you receive the following message. " ONLINE DELIVERY UNAVAILABLE '' " We are not able to deliver your free Equifax Annual Credit Report online ''. It then goes on to say that we should download the request form and mail it along with copies of your drivers license, social security card, XXXX forms, pay stubs, etc. Not the type of information I want to send out in the mail. We we phoned, we were told the computers are being updated, to try again in an hour or so. We have done this several time a day. Still the same results. After another phone call, we were told to to the www.equifax.com/fcra. This website has alot of questions, but does not state you will receive your credit report, so I was reluctant to complete the form. 

The reason we need this report is due to an untrustworthy insurance agent that tried to issue policies in our name without our permission, then billed us. We would like to put a freeze on Equifax, but we would like to see the report before doing so. Again, we did all of this with XXXX and XXXX   within minutes and had absolute no problems what so ever. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA reports a credit card account to XXXX even if I have never done any business with them

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