vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Around XX/XX/2017, my car was repossessed for non-payment. I was not notified of what would happen after the repossession as far as if my car was sold to an auction, if i had a remaining balance, but they were so eager to call me ten times a day harassing me for payment. I am sure that there is a law in Florida for this. My car was repossessed twice by these people, Santander/XXXX. I told them that I was having financial hardship. Customer service XXXX. They are reporting two different amounts due, which I will be showing proof of. It is making my credit score look terrible and this needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I contacted the company I.C System via certified mail to verify a debt that is showing on my credit report since XX/XX/2017. It has been 30 days and I have not received any information verifying this is debt is mine. It has however been deleted from 1 of 3 reports due to my dispute with credit bureau.

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 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
I have been attempting to make payments on loan sequence 3, the company will not work with me in reference to getting an affordable payment. AES continually says they are reaching out to XXXX with no response, in the waiting period it is destroying my credit because they have not been working with me to accept an affordable payment. I have been trying to get an affordable payment since XX/XX/2017. I have called numerous times and send in letters. The managers from AES never call me back. I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zakheim Law Group, P.A.
State: FL

Complaint narrative:
On XX/XX/2018 the company by the name of XXXX XXXX XXXX XXXX XXXX XXXX  Located in XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Took out {$900.00} dollars from my XXXX XXXX XXXX  account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Equifax and XXXX certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2014 accounting was open due to identify fraud and I call Bank of America and no answer I was under age inXX/XX/2014

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 2018-07-13 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I am the cosigner on this loan. Current balance {$10000.00} reported XX/XX/2018. 

AES/XXXX has changed the payment period of this debt with the primary debtor by deferring payment start date for repayment. I declined to agree to the modification. Changing the starting period of the loan payment schedule by several years without my consent is a violation of the loan agreement that I co-signed. 

I ask to be removed as the co-signer on this debt since the contract has been altered without my written agreement.

Company response to consumer: Closed with explanation
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX, I sent Equifax and XXXX an dispute for incorrectly reporting XXXX XXXX XXXX {$630.00} on my credit report. No verification with signature or anything else was sent to me that this collection belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XXXX-XXXX-2017, I sold my house to my son. During the process, I sent Quiken Loans a copy of the property taxes that I, the seller paid in full for tax year 2017 to XXXX XXXX, Georgia. Once the house closed and I received my final check, I realized that the loan company had deducted the property tax of {$1500.00} from my final check! After talking to three people including upper management, I was told that in order for me to get my money back I would have to get the money from the buyer or the buyer would have to re work his loan to add the funds to his loan. These taxes were paid in full as required by law before this loan was finalized. Quiken Loans kept this money to pay taxes that were already paid upfront in full. That's double taxation on the loan companies part! They, Quikin loans, had no write to require me or the buyer to pay a bill that was already paid as required before the loan was finalized. Therefore, I want, deserve and demand my {$1500.00} back in my pocket where it rightfully belongs!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I contacted ( 2 ) collections agents Afni, Inc and XXXX who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX  ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to Afni, Inc and XXXX ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Since graduation in 2012, the payments made to Navient Student loans have been wrongly dispersed between 4 out of 6 accounts. Exact amounts were sent with the account numbers to go towards specific accounts. Every time the accounts were reviewed they have dispersed the money differently than where we indicated it should go. So, for 6 years now, going from Sallie Mae to Navient the different accounts have not been paid as the checks have directed. It seems to be a way for them to continue gaining interest not allowing a loan to be paid off. Just this month, 2 accounts were sent with the exact payoff amounts. When checked on, it was determined that they dispersed the money differently yet again. When calling to try and remedy this, the person on the line does not seem to understand the problem or puts you on hold and hangs up. Each account receives their payment each month. 

6 years of this. Something needs to be addressed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Brclysbank de apply Pulled my credit report I didnt apply for 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 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 the company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX. Located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Took out {$900.00} dollars from my XXXX XXXX XXXXXXXX account. When contacting them they said it was for a Credit Card from XXXX   from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WV

Complaint narrative:
On XX/XX/2018, I submitted a payment to XXXX XXXX in the amount of {$460.00}, which is the required monthly amount, from my XXXX XXXX XXXX XXXX. I submitted this payment, despite the fact that my XXXX payment had not posted, and would not post until XX/XX/2018. The payment for XXXX would be due on XX/XX/2018. This payment was made 5 weeks before the due date. I was informed when I contacted XXXX throughout the month of XXXX, and most recently on XX/XX/2018, that the following was the series of events. I was informed by XXXX agents that XXXX, after receiving the payment request, contacted XXXX XXXX to inquire as to whether I had an account with them, as per their normal procedure. This request for confirmation was received by XXXX XXXX on XX/XX/2018. As per XXXX XXXX 's internal policies, this request for confirmation was to be responded to within 7-10 business days. I was informed when I contacted XXXX at the end of XXXX, that this confirmation had not been returned to XXXX by XXXX until approximately XX/XX/2018, which was eleven days after it was initially received. Due to this failure on XXXX 's part, the payment was not submitted in time by XXXX to cover my XXXX payment. On XX/XX/2018, I contacted XXXX XXXX and was informed that the payment had been received, and that I would not need to make any additional payments. I was assured that once the payment had been processed, it would be applied to my account, retroactively, to XX/XX/2018. Today, XX/XX/2018, I received correspondence stating that no payment had been received, but that some payment had been applied to XXXX. 

While trying to deal with this issue, I did make an additional payment for XXXX on XX/XX/2018, in the hope that it would be processed before my payment due date on XX/XX/2018. Given the contradictory information XXXX has provided, I am demanding that the two payments I have made, dated XX/XX/2018, be applied to XXXX, and that the payment I authorized on XX/XX/2018, be applied to XXXX. This is not a new issue, as evidence by my previous complaints. I demand that these payments be made, and applied to my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
money taken out without permission

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company named Portfolio Recovery send letter that i owe them {$1900.00} and the Date Report is XX/XX/2018. I send email dispute charge and i told them i do not own them any money. they keep calling to my phone and i block their phone number and i they send letter that they will give the case to law office. I sent the mail and ask them to stop contacting me and Treating me, also i do see i my credit report that they send their false claim to report to credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Cried on bank account was open with XXXX XXXX XXXX and its still on my file

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/2017, XX/XX/2017 an XX/XX/2017 hard inquiries were made on my credit report through XXXX credit ( no store credit card was approved ) an never removed from my report .by Syncb/walmart 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 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/2018 I spoke with a Lowes customer service rep about not seeing a payment I had made and wanted to know when it was due. I was told the payment had been credited and my next payment was not due until XX/XX/2018. I was checking on XXXX XXXX and it stated that my Lowes card had been close. They checked my credit again without my permission and closed my account based on that. Do I have any recourse as I have never been late had the card almost a year and it will effect my credit score.

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 2018-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal  collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase Sapphire card to qualify for bonus points that Chase was offering to new cardholders. I was called the next day by a Chase representative telling me that since I already reached the maximum credit line from my 3 Chase cards, they would have to allocate some credit from one of my existing cards in order to open the new card. I agreed and moved {$5000.00} from one of my credit lines to the new card. 

I later checked my credit score because XXXX XXXX sent me an alert. Chase did a hard pull on my credit and dropped both of my credit scores from XXXX down to XXXX even though they did not extend me any new credit and merely moved my credit from one card to another. 

I reached out to Chase and the Credit reporting agent that I was transferred to was rude and condescending on the phone, while providing absolutely no attempt to help me out. 

Chase has also been locking my cards seemingly at random due to " fraud detection '' even though I've been only using my cards on the same websites, and near where I live. Previously, I've also tried to get them to honor their card benefit of covering the return of a product that the seller refused to refund, and Chase was unwilling to reimburse me in spite of several attempts at contact and speaking to several agents. I have never missed a payment, or made a late payment to Chase and have been a customer with them for over 12 years but will be moving my business elsewhere because they clearly have no regard for customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
The company call me at work. I have told them I can not get calls like this at work. XXXX XXXX calls me and I ended up having to hang up on him because even though I told him I am at work he just kept on talking. Calls to my work need to be stopped or I will lose my job. Their number that he called me from is XXXX - XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: IL

Complaint narrative:
Earlier this year I found out my personal information was involved in a large data breach from Equifax, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.

Company response to consumer: Closed with non-monetary relief