vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MD

Complaint narrative:
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX  for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NJ

Complaint narrative:
Re : XXXX  Loan # XXXX The HUD-1 Inspection fees, Lender ( I ) ( C ), need to be stipulated on the Repair Rider as a contractual agreement to be incurred by the Homeowner ; not the Lender. The Repair Rider ( I ) part ( C ) would have to be revised ; the one-time Repair Administration fee ( I ) ( B ) was the only fee/charge referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: MD

Complaint narrative:
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. I am very disappointed EXPERIAN allowed this to happen. They should have notice that the accounts were the same with the difference of {$1.00}.

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 2018-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I haven't used my Capital One credit card for a while, after I paid the balance in full. Since then, which was almost a year ago, I have been trying to change my statement delivery settings to US Mail instead of by email, because I wanted to receive my statement in paper form so that I would not miss a payment. I have made many unsuccessful attempts to change my statement delivery method to US Mail since then, which seemed to be a simple action with every other financial institution. Because what I realized after trying many times, different days and different times of the day, using different browsers thinking that their website might not work with the one I have been using, Capital One deliberately created a glitch or malfunction of their website link that when you try to change your statement delivery preferences to US Mail, you get the following pop-up " We've Hit a Snag '' ( please find the screenshot attached ), meaning, sorry can't do. I would have not bothered to address this issue if this has happened once or twice, but I have been trying to change my preferences for months now and I got tired of it because I almost missed a payment due to not receiving my email billing statement because I had issues with my email address. I will actually contact an attorney to check this violation out. Consumers should be able to receive their billing statements the way they choose, whether it's by US Mail or email, and I have been deprived of that choice for a long time now, and I am sure, so did many others. Last digits of account number are in the screenshot for Cap. One to refer to and retrieve how many attempts I made over the time to change my preferences ( if they are willing to open a can of worms ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMT Solutions, LLC.
State: TX

Complaint narrative:
Harassing phone calls disrupting my ability to use my phone, and interfering with my work. PMT Solutions called me from XXXX 10 times in less than 13 minutes on XXXX. This is a harassment and unneeded. They have called previously and hung up on me when I asked about being removed from the call list.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-25 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: MS

Complaint narrative:
MY LOAN HAVE GONE UP TO A VERY HIGH AMOUNT THAT IN CAN'T PAY WITH THE INTEREST THEY HAVE ON THIS LOAN. MY LOAN IS GONE UP TO XXXX XXXX XXXX OF DOLLAR, I JUST CA'T AFFORD IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank has placed a hold on a certified check/cashiers check that has certified funds. I called them and was advised they can do nothing about the hold. this is a violation of Regulation CC for funds availability where certified funds checks should be available the next business day. I have also cashed/deposited this same exact check there before and it has cleared with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Indiscriminate Closure of Wellsfargo Accounts I will like to bring the Bureau attention to the unfair practice of wellsfargo Bank closing my accounts on the presumption that I was a victim of fraud. I am a recent XXXX still searching for a reasonable job. 
The incident happened on XX/XX/XXXX When I was expecting some funds to cover for living expenses from a friend while in a transition period of switching jobs, she was supposed to call me before the making the deposit but Unfortunately I was in an Interview when she went to the bank The expected amount was {$1200.00} but she raised a cashier check of {$3500.00}. The difference in the anticipated and the actual amount made the bank to reject then deposit and proceed with a harsh decision to restrict my deposit accounts ( saving and checking ) from any further deposit and be scheduled for closure on XX/XX/2018. The reason was disguised as a business decision. 
Moreover, Wellsfargo decided to take their decision a step further to schedule the closure of my credit card account which had nothing to do with the deposit accounts. I have been a customer for almost eight years and never had I for once had a late payment or any other penalties on the credit card account. It is pretty disheartening that bank like wellsfargo will still repeat a decision for which a former employee exposed the bank to the media for unfair practices in XX/XX/2018 ( https : XXXX ) Lastly, Looking back at the incessant amount of scandals that wellsfargo bank has been involved over the past 18-24 Months. I have come to a conclusion that it is wiser not have any deposit account with ( Checking and Savings Account ) with the bank but I will like to request for the CFPBs benevolent despotism to intervene and prevent the indiscriminate closure of my credit card account from a scandalous bank with hidden aim of leaving behind a terrible mark on my credit history I have included all letters from the Bank for a quick and candid assessment Regards, 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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD FED LOANS HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

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 2018-09-25 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: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX XXXX XXXX master card there was fraud charge on XX/XX/2017 four charges in one day the same store in XXXX and I received text massage to approve or decline I decline in the same time and I received a phone call from the credit card company and I told them I didn't purchase anything that day from XXXX and they told me they will investigate in 90 days and after 90 days they sent me bill to pay all fraud payment and on XX/XX/XXXX my car was opened by unknown and took a lot of staff and l report the same day and I have police report but the customer service lady was very rude and she disrespect me like criminal instead of solve the problem after that I went to police station again and told the story they told me bring all credit card statement and we will write letter to them I did. 
after all this the damage my credit history from credit biro and still I didn't get resolve 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 2018-09-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in 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 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. 
The highest rate was applied. 
The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. 
The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. 
No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws.

See also XXXX See attached screencaps of docs sent and score from barclays website.

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 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OR

Complaint narrative:
These are student loans I have been repaying since I completed my XXXX in 2000. In the past six months, my income-based repayment plan was rejected ( even though I made the exact same amount as the previous year ) so after exhausting all options, we finally agreed over the phone to a graduated repayment plan over 12 years that would begin around {$150.00} per month, with incremental increases each year, until year 12 when the increase would be about {$500.00} per month. The last thing the customer service representative stated after agreeing to terms and conditions is Great Lakes does not service these types of repayments so my student loans would be sold. XXXX is now the holder of the loans and claims they have no record of the terms and conditions agreed upon between Great Lakes and myself. I have contacted Great Lakes requesting my customer service history and they stated they will only release those records through legal channels. I am seeking resolution by securing full and non-redacted access to my Great Lakes customer service history for the past 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NH

Complaint narrative:
XX/XX/2018, I was informed by Navient that I qualified for loan forgiveness program. Navient employee asked me to stay on line while she directed my call to a XXXXpecialist who would take my information and begin request for loan forgiveness. I was charged a fee to begin process and on XX/XX/2018 XXXX payments of XXXX was charged to my credit card. After contacting Dept. Education, I am now aware that I do not qualify for loan forgiveness program and no fees should have been paid for any reason. 
My bank is aware and will look into XXXX XXXX XXXX.

Company response to consumer: Closed with explanation