vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 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: CA

Complaint narrative:
There was a credit account opened under my name due to identity theft. I disputed the information with  XXXX  and  XXXX  by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of  the Auto Pay benefit ), and that SoFi would  credit my account during the first week of  XXXX .     By  XXXX   XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  SoFi for the second time, and was told it would be done one  week later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  Sofi  for the third time, and was told that it would be taken care of during the month of  XXXX .     Every time I call, I 'm given a new date, but my account is never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXX  I received the first call, I asked them not to call me at work, they continued and my  manager  even had to speak with them to let them know that I could n't receive calls at work but he continued to call saying he was an attorney at a legal office. So I put the request in writing and faxed and mailed over the cease and desist calls. The calls are now back as of  XXXX   XXXX   XXXX ,  two  calls back to back to my employer  XXXX  and  XXXX  and then my cell phone at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am behind on my car payments, however I do pay and when I do I make addtional p ayments. Satander calle d an acquaintance that is not even listed as a reference and an ex boyfriend I have n't spoken to in over 10 years to ask for me and disclosed the nature. The call was made by  XXXX  at  XXXX , on  XXXX / XXXX /  XXXX  . Whenever I am  2 weeks past the due date, I will get 3 calls in the day. 2 hangups in the morning an d then a final  one  from the same person  XXXX . They will even cal l on Sundays. From the looks of my account they are only applying the payments to interest and not to prin ciple. I did not give them permission to call anyone other than me. They have my address and phone number. They was no reason for her  or Satander to call anyone o ther than me especially someone I have n't dealt with a very long time. My fear is that they will harass me at my job or anyone else they come up with. The only mail I have received is my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On    XXXX   XXXX   XXXX  , I  paid  Wells Fargo Ba nk {$8000.00} to satisfy the full amount owed on my Visa card ending in  XXXX . Immediately after I paid it, the bank added an additional {$140.00}, which the bank says I now owe in addition to the fully satisfied amount I already tendered. This is bogus and banking fraud. How could I owe interest after I 've satisfied every penny owed? I want the charge removed as it is unjustified.

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 2017-04-28 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: TX

Complaint narrative:
I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2017-04-28 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.

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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am on a small fixed income and have direct deposit. For the  last two  years my bank has charged me an overdraft fee of {$35.00} if there is not {$12.00} in my account to cover my monthly service fee. Every single month I go through this. Unfortunately all the money I get from  SSDI goes for my rent, my utility bills and food and sometimes I 've only got {$10.00} left in my account but still charged {$35.00} for being {$2.00} short for my service fee. I have repeatedly ask my bank to waive the fee but they refuse. Even though the money is guaranteed to be there on the 3rd of eac h month they still charge me {$35.00} if there is n't {$12.00} in my account to cover the service fee. Even if I have {$11.00} I 'm charged {$35.00}. I know I need to change banks but now it 's the principal of all this. I feel like I 'm being robbed by this bank. Can you help me?

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 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: PA

Complaint narrative:
The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   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 2017-04-28 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MA

Complaint narrative:
Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: FL

Complaint narrative:
I called Equifax couple times to dispute and remove fraud inquiries from my credit report and they always tell me they can not do that i need to call the companies. i send letters out to the companies with no response there are no phone number listed on my credit report where i can call them like equifax told me too. i did not do those inquiries why do i have to call what i dont even have the numbers for because it is fraud and they refuse to remove them from my report. here is a list from the inquiries what is fraud.  XXXX ,  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   ,    XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX ,   XXXX ,   XXXX , there ar e 15 fraud inqu iries and they refuse to remove them what is a violation of the fair credit peporting act se ction 1681b ( c ) and  a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
This company, Forward Movement Recovery, has been calling my number for several months. They always ask for   XXXX   XXXX   ( spelling? ) and I am not that person nor do I know them. They call multiple times a week from multiple numbers. I tried blocking their number, but they just use a new number. I have spoken to at least 3 different people over the last 6 months telling them to remove me from their list. Each time they said they will do it and they have not. Going forward, I will keep a log of each time they call. Here is the most recent activity :  XXXX   XXXX / XXXX /2017  XXXX  Spoke with someone and they said they would remove me.   XXXX     XXXX / XXXX /2017  XXXX  No message   XXXX    XXXX / XXXX /2017   XXXX   No message  XXXX   XXXX / XXXX /2017  XXXX  Left a message asking for   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
I bought a car  from Honda Financial Corp and obtai ned a car loan, last year I struggled to keep up with the payments and the car got repossessed in  XXXX    XXXX  . Some time in  XXXX  a received a statement fr om Honda Financial stating that they sold the vehicle and I owed them {$440.00} plus cents. Som etime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  Honda Financial {$20000.00} and some cents, so I immediately contacted Honda and the y said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
ask company to provide validation that debt was mine and the stated that they do n't have to. sent a validation letter on  XXXX  and still have not heard from the company for validation. Also disputed with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS has repeatedly miss-applied funds that were to be applied against the principal. The result is a falsely inflated balance that SLS uses to calculate the amount of interest owed. SLS is charging more interest than allowed by the original loan documents.

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 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between  XXXX   XXXX  -  XXXX   XXXX   ) to try to get some information on a collection account that was on my credit report. Spoke  to the agent and said I was going to dispute the issue because I did not open a credit card with  XXXX   XXXX    XXXX    which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: SC

Complaint narrative:
This company continuously emails me telling me they are trying to collect a debt but I have n't received anything from the original company and the balance on my credit report states  XXXX  balance from the card company. I have attached the emails that I feel threatened by as well as they are going by 2 different company names. they are stating in email they are  True Accord b ut then comes and say they are  XXXX . I do n't have any contract with this company and they need to provide me with validation that I have an account with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WA

Complaint narrative:
On   XXXX   XXXX   XXXX   XXXX  , notification  ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on  XXXX / XXXX / XXXX  to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to   XXXX   XXXX  /month.     Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in    XXXX   XXXX   XXXX  ,  and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.

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