vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: PA

Complaint narrative:
Hello, I am writing again to address a paid collection showing on my Experian credit report. The account is from XXXX XXXX for a closed XXXX account that is over 7 years old. In investigating with XXXX XXXX and XXXX it was determined that the account was sent to collections because bills were sent to an incorrect address. I paid the account and would like the instance removed from my account. Experian 's reasoning for not removing the account when all other reporting bureaus have is that that may interpret the law differently. I would answer that by pointing out that jails are filled with people who had differing interpretations of various laws, it does not absolve them for not governing themselves accordingly. Alternately, if it will not be removed in answer to this complaint I would like exact instructions on what steps I need to take to have the item removed under whatever Experian perceives the situation and law to be.

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 2018-07-14 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: Alpha Recovery Corp
State: MI

Complaint narrative:
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from XXXX  XXXX XXXX with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by Alpha Recovery Corp. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact Alpha Recovery Corp to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by XXXX  XXXX XXXX? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!

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 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 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: SC

Complaint narrative:
I have submitted paperwork to Equifax and they have not removed these two collection accounts that are not mine or provided any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
By XX/XX/2017 I had received numerous offers for an American Express Delta credit card. It claimed a reward of XXXX miles for signing up and using the card and spending {$1000.00} in three months. When I tried to sign up for the card, I was given a 20 minute speech. I said I didn't have time to listen for longer. I tried 3 more times but the agents didn't seem to be able to process the application. One agent told me to try online. When I tried online, the message kept saying that my XXXX  FF number wasn't correct, even though I knew it was. I gave up. 

I have called Amex and XXXX  numerous times about this credit card to get the miles and buy my flights with the " free checked bags. '' Each agent and the online information are completely conflicting. Today I signed up for the card, then when I wanted to use it to buy the tickets I had spent DAYS trying to coordinate, it said my purchase limit was {$1000.00}!!!! ONE PART of the ticket I need to buy is {$1100.00}! The other is {$1000.00}, the other is XXXX Euros. The ONLY reason I got this card was to buy these XXXX flights and get the miles. If I don't buy all three parts of the tickets together, I may lose the linked flights. And if I use another credit card, I don't ' get the bag fee waivers or the miles which was the only reason I signed up! I am VERY angry because I know that every time I apply for a card I lose points on my credit score, so I do not like to sign up for cards I don't need. I did not need this card. I already had an AMEX and knew how incompetent Amex Can be ( they sent MY credit cards to a random address and won't tell me what INCORRECT address they have in their system. They risked my having identity theft and did nothing to compensate me for that. 

Amex and XXXX should be fined for this fraud they are committing. 

I want compensation for their lowering my credit score, and I want the XXXX bonus miles I was originally promised, since I didn't get it due to THEIR errors, and I want all bag fees waived and the double miles I would have gotten for {$2200.00} on XXXX. Otherwise, I would have used another credit card and another airline! 

XXXX already failed to credit me for the miles I flew from XXXX  to XXXX,, and the miles my boyfriend flew from XXXX  to XXXX  to XXXX. XXXX and XXXX are both scamming their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
The collection agency placed a negative report to credit bureau, after I disputed medical bill as being fraudulent.Collection agency failed to inform me about it's intentions to place a negative record in to credit bureau and failed to submit any supporting documentation. Collection agency place two negative reports for exactly the same account after I initiated dispute with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I currently have private student loans through Navient, originally Sallie Mae. I've been on the Rate Reduction Plan for 2 years, re qualifying every 6 months. My payments were on autopay and I've never missed a payment. My 6th month will end after my XX/XX/XXXX payment and I recently got an email saying that it was ending after XX/XX/XXXX and I needed to call in to make plans. I called XX/XX/2018 to renew the rate reduction plan and was told that I've exhausted the plan and I'm only allowed to be on it for two years. This was the first I've heard of this and there is no documentation, that I can find, stating this. I explained that there was no way I could make that payment and asked if there was anything else I could do to help lower my payments. I said that I would have to file bankruptcy. The supervisor said that if I needed to file bankruptcy than that what I need to do. She also said that they've worked with me for the two years and there are no other options to help lower my payments. They refused to work with me and suggested I refinance through a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: SC

Complaint narrative:
Equifax is reporting accounts they are not mine and I have submitted the proper paperwork to have these accounts removed from my credit report months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Critical Resolution Mediation LLC
State: HI

Complaint narrative:
Received a call from, XXXX XXXX XXXX. I left a voicemail and told him to stop calling and his number was blocked. He called back at XXXX ( XXXX time ) from a different number in XXXX. He told me it didn't matter about me blocking the number that he would call me everyday ( harassment ). I called back and he rudely told me I owed on a XXXX account for {$1900.00}. I had to call him back several times because he told me I had an attitude and refused to give me details. After being hung up on 4 times he finally told me it was an attempt to collect a debt. I have never had a credit card with XXXX and told him this but he told me he would be contacting our local authorities to handle me. He falsely told me I had been contacted and authorities sent to my address which from his records was an old address 6 years ago. He even had my full social security number which I'm not sure how he obtained this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I bought a XXXX XXXX XXXX  car from XXXX car dealer in XXXX, name is XXXX XXXX XXXX. 
My loan term is 7 and 1/2 year that is 90 months, I paid {$1000.00} down. 
My installment is {$360.00}, which I find it very high interest rate. 
I feel I have been paying very high interest rate, because I am XXXX. ( like XXXX XXXX XXXX XXXX ). they have  discriminated against me. 
Can you please help? 
date of purchase XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have been harassed and robo called by Navient all times of day and night even though they said they were taking me off the call list and a live person would call me. They will call one number, hang up and call the next number multiple times. One man even was rude to me and my co-signer when asked about the calls and his bf up on me and her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Opened CD account with capital one 360. The account shows a hold on the {$10000.00} I transferred from XXXX XXXX. The amount shows as a reduction in my XXXX account but does not show up on Capital One. Capital One shows a 72 hour hold on my {$10000.00}. It has been 72 hours and when I called after continuing to show XXXX account balance I was told that there was a hold for 10 days and that I would not see the amount for 10 days. I was given a song and dance about how this was a rate lock that was to my benefit. I work for a bank so I know this is not a benefit. I feel like my money is gone. When I told him I wanted it back in my XXXX account I was told I would be penalized for three months interest. 
I work for XXXX XXXX so I know what lying to customers feels like. I need you to do something about this. This was not something that was made clear when I signed up for the account. If the hold says 72 hours then it should be 72 hours not 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX credit card from XXXX XXXX. I never received my rewards check from XX/XX/XXXX. I have called several times and spoken to several supervisors since XX/XX/XXXX. Initially, they said they would look into it and get back with me. After several months, I called back and was told that I forfeited the rewards because the check expired. I explained the problem was that I never received the check so I was not able to know when it expired. He also stated that once the check expires, you forfeited the rewards. But when I look at the terms and conditions, it says that, " Cash Back rewards are forfeited if the XXXX XXXX XXXX Mastercard account is not in good standing is more than two months delinquent on the minimum payment, if the XXXX XXXX XXXX  Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than {$5.00}. '' I was never delinquent on my payments and I use the card frequently. I have been a XXXX XXXX XXXX member for the whole time I had this credit card. And my rewards check is over {$260.00}. No where does it say you forfeit rewards if the check was never cashed or lost. Lost mail is a frequent problem. I feel this is very deceptive as the consumer is the one to get shorted. After complaining to XXXX, I was transferred to a different supervisor at XXXX XXXX and she only offered a {$25.00} bill credit for my troubles and refused to reissue the check.

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 2018-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sears Citicard changed their terms and conditions in XX/XX/XXXX on a credit card I opened in XX/XX/XXXX. I was informed on XX/XX/XXXX that this update meant that they could soft pull my credit and lower my credit limit as a result. I have been working hard to pay this card down. They lowered my credit limit from {$970.00} to {$450.00} after I made a big payment and was told my credit limit would not be lowered. This credit card is keeping my credit utilization reported at 89 % ; thereby negatively reflecting my credit history. It should be positively affecting my credit history if I am making consecutive, big payments. My credit limit is now {$51.00} from the maximum instead of {$650.00}, even though I have no delinquencies for this account on my credit. I was told by the supervisor, XXXX that if I pay it down more, it will likely lower my credit limit. This appears to be discriminatory in that they are lowering my limit every time I make a payment. They are also continuing to make my credit history look poor by keeping my credit utilization at a high percentage despite my making high payments that are on time. These practices appear unethical and punitive when I am honoring my part of the agreement with my credit card. If they close my account as soon as I pay it off, they are further harming my credit, even though I followed all of the rules. I would like this reviewed for unethical conduct and I would like the person who directly lied to me about my credit limit not being lowered to be researched. I made sacrifices in order to make such a heavy payment and I could have made this to a card that was not going to consequence me for doing the right thing.

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 2018-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XX/XX/2016 30 days overdue that is actually stated on my credit report does seem inaccurate and or confusing. I would like the XXXX XXXX XXXX furnish data that the particular claimed account was in fact delayed so you have the essential guidelines so that you can suitably examine XXXX XXXX XXXX claims AND Take the time to present this data or even eliminate the negativity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2018, I sent in my most recent PSLF Employment Certification form. With this form, XXXX XXXX should have calculated that I have made 68 qualifying payments toward the 120 payments needed for public service loan forgiveness. Unfortunately, XXXX XXXX is so bad at their job that they calculated that I had made 61 qualifying payments - despite the fact that my job has not changed, my loan has not changed, and my repayment plan has not changed. On multiple occasions, I have reached out to XXXX XXXX to inform them of their error and asked them to correct it. To date, they have done nothing. Moreover, they have failed to respond to my multiple emails. When I get them on the phone, they say they will look into it. XXXX XXXX is the most incompetent student loan servicer on the market. Congress should investigate. Student loan holders should avoid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Unlimited Progress Corp
State: IN

Complaint narrative:
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( XXXX XXXX XXXX XXXX with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.

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