vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

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 monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Our school closed while I was enrolled and was unable to complete my program because of the closure. I sent XXXX / Navient a completed school closure form to get the loan discharged. I did not receive a written response from the debt collector and only upon collections did they state the school did not close and the dept was not discharged. Here is the info from the Dept of Education Closed School Report : The school was closed officially XX/XX/XXXX OPEID # XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX CALIFORNIA - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. I was notified that classes were no longer available in XXXX on XX/XX/XXXX. Once the school made the announcement, I was never sent a Teach Out notice or letter via mail or e-mail, or any correspondence. I contacted them in XXXX and they said they are working on a program but I was never contacted again. I am nine units short of my degree. If I transfer to any other program, the minimum residency requirements are generally 30 units. I owe nearly {$30000.00} for a closed program without a degree that should have been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
In XX/XX/2017 I received a notice in the mail about an attempted collection debt from XXXX XXXX. I wrote back stating that I had no knowledge of the account or the debt and I asked for debt validation. I was never sent any proof of the debt actually belonging to me or a response from the collections company. I reached out to XXXX XXXX  who let me know they had no knowledge of a debt being owed to them. Ive never had any services with them or the company who previously owned the services. I received an email this morning letting me that a collections account was placed on my credit report. I would like this to be deleted immediately and permanently!!! I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: OH

Complaint narrative:
I was initially contacted by an MLO at First Guaranty Mortgage Co in XX/XX/XXXX in re : streamline refi of the FHA mortgage that I had originated with them in XX/XX/XXXX. On XX/XX/XXXX the MLO sent an email promising a 4.00 % rate with a payment lower than my current payment ; as my taxes on the property were set to go up, I decided to proceed with the application process. The whole process has been hampered by a lack of communication from the MLO, despite repeated outreach attempts by myself ( via phone and email ). The MLO again contacted me by email on XX/XX/XXXX and then I heard nothing until XX/XX/XXXX ( I had to call in a complaint to his supervisor in order to be contacted by the MLO ). In the XX/XX/XXXX email I was told that there were possible problems with the title on my property -- a possible lien from the state. Since sending additional information into FGMC so that their Title Co can research the issue I have yet to hear back as of XX/XX/XXXX, despite sending two follow-up emails. 

I know that the FHA rate is now greater than 4.00 %, so I do not see that the company will be able to honor the rate that was promised to me in their XX/XX/XXXX email. I believe their lack of timely communication and follow-through may have cost me the opportunity to lock in a beneficial rate ; additionally, this drawn-out process for what was supposed to be a streamlined refinance has cost me the opportunity to attempt a streamline refi through another company because I do not want multiple pulls on 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 explanation
Consumer complaint received 2018-02-27 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: AES/PHEAA
State: CA

Complaint narrative:
Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and XXXX on XX/XX/2017. 

Dept of Ed / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the XXXX court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX   XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I know the CFPB was trying to help consumers & XXXX XXXX had her heart in  right place but when the law passed & gave banks 9 months to prepare the whole nation got screwed. I was able to pay my payments plus extra always on time. After it went into effect my intrest rates went up from XXXX % to a ridiculous XXXX % on all credit cards & store cards & automatically doubled my minimum monthly payments or more. I didn't buy items at XXXX % but now I have to pay that. It's apparent the credit card company banks were showing their displeasure by punishing every customer. It wasn't just me, I know rich people this happened too, across the board didn't care if you were on time or behind everyone will suffer. 
I kept up with the payments as long as I could until a accident took my job away & cant make those double payments & the crazy intrest rates that never went down which we thought would if we just kept making payments. Now we cant make above the minimum payments so principal balance really never gets touched. I'm filing to repair my credit through negotiations but they all have ruined my perfect credit with one stroke of a pen from DC. I don't want anymore of their help because the Banks just find away around it.Its XXXX, XXXX, XXXX, Citi Bank with Best Buy,  XXXX, Home Depot. 
Respectfully, XXXX XXXX in XXXX XXXX PS many of our family & friends suffered the same fate. from now on its cash only for all of us. Cant trust the banks we bailed out this is how they repay our generosity.

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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CT

Complaint narrative:
On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. 

Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. 

After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. 

XXXX XXXX XXXX XXXX is not registered in CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Have a credit inquiry from XXXX/XXXX XX/XX/17 Clothing. This company is supposedly XXXX XXXX. I have had no reason or will ever have a reason to request credit from this company. I contacted the ( XXXX ) XXXX. spoke with a representative says that they could not help me and said inquires cant be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC

Complaint narrative:
Hello : My Loancare account is as per attachment.. My mortgage was taken out in XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX ( as per attachment ). 
This mortgage was sold to Loancare in the year XXXX. 
This property at XXXX XXXX XXXX, XXXX XXXX was sold on XX/XX/XXXX. 
Loancare has charged me on this sale the following fees A ) XXXX Reconveyance fee B ) XXXX Recording fee C ) XXXX Late Charges D ) XXXX Fees Owed to Loancare E ) XXXX Account closing F ) XXXX Statements to Loancare These fees from A-F are incorrect. 

I have asked Loancare on XX/XX/XXXX, where I was supposed to be charged by XXXX XXXX for the fees, A ) XXXX Reconveyance fee, B ) XXXX Recording fee, D ) XXXX Fees Owed to Loancare, E ) XXXX Account closing, F ) XXXX Statements to Loancare. 

Loancare did not answer my detailed email, on how it was allowed to charge me this {$360.00}, in extra fees. This {$360.00} of money should be refunded to be. 

For C ) XXXX Late Charges, D ) XXXX Fees Owed to Loancare. There was no late payment made to Loancare, and there D ) XXXX Fees, was paid to them on XX/XX/XXXX, of XXXX. This sum of {$50.00} should be refunded to me. 

I appreciate your help beforehand. Any other information you wish to have, I will forward to you. 
Thank you

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2018-02-27 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: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CA

Complaint narrative:
In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation