vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted Transunion on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with Transunion, XXXX, & XXXX credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my Transunion credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # 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 2017-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.

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 2017-07-05 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: Clarity Services
State: FL

Complaint narrative:
An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called XXXX XXXX " XXXX XXXX, XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with Experian whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with Experian and should have had access to any and all information concerning me. XXXX XXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?

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 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.

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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.

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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.

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 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.

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 2017-07-05 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: SC

Complaint narrative:
I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I received a notice from Bank of American that they will charge a fee to cash my checks at a non BofA bank. <P/>This includes their " free '' billpay service. <P/>To rephrase : If the person or company I write a check to does not have a BofA account, I will be charged a fee. <P/>This means I have to have knowledge of the banking arrangement of my payee. <P/>This is a privacy invasion and should be prohibited banking behavior.

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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Clarity Services
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, # I Got my CLARITY Services Inc, Credit Report for Year Back # there was So much = fraud & Theft, breach Contracts, for a lot of Accounts, I have Loss Financialy at the bottom I will show Amounts and Send Bank Docs by Thursday # The Clarity Services Inc, have Not Done a Good Job, theres so many almost all of report is wrong, fake bank accounts and fake phone numbers, Fake Emails, etc Names Wrong my ID SSN Wrong, this costed me $ $ Financialy Ok $ , I will Send All Paper Docs to you By Email Ok # Plus Bank Statements ok By # TRACKING # will be on Top Right Corner By #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NC

Complaint narrative:
I opened a Best Buy Visa Credit Card ( handled by Citi ) on XXXX 2016. I  always have been diligent with the minimum payments, by paying before the due date. Unfortunately, I am getting my hours cut at my part time job, and I am experiencing some kind of trouble making the payments on time. In the event I have any issues with making payments, I always reach out to the creditors to work out an amicable solution. While some of them understood perfectly my situation and granted me one more week as extended grace period, unfortunately with Best Buy Visa Credit Card is not the case. They are difficult to work with, and this time I asked for one more day of grace period, since I got paid on XXXX XXXX and the bill was due XXXX XXXX, I did n't have enough funds available on my bank account to afford the minimum payment. I spoke with two different reps last week. First one, called XXXX, from the Tennessee office, helped me get an extension of the payment, for one more day, and assured me that my account wo n't be subject to late fees as a one time exception, and that the late fee adjustment will be applied within 1-2 billing cycles. Same information was confirmed by XXXX, another rep from the Tennessee office. When the new bill came, I was charged two different amounts, {$160.00} and {$100.00}, as minimum payment due. And then, I reviewed thoroughly the recent activity section and the late fee of {$37.00} was charged, along with {$44.00} of interest on purchases. <P/>This situation has caused me a huge deal of XXXX, as I do n't know what else to do.

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 2017-07-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XXXX XXXX, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.

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 2017-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Manhattan Beach Venture, LLC
State: PA

Complaint narrative:
Harrasing phone calls from XXXX for a student loan I do not have. I have been out of school for approx. 30 years. I notified company to cease & desist. Company has ignored my wishes. Please contact company to stop unwanted calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.

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