vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After disputing certain accounts/items on my Equifax credit report I received an email when the dispute results were ready stating that I can view the results online with a confirmation number & a link to go to. However, every time I log in to check the dispute results I get this message " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' After receiving this message I have called multiple times to find out what information doesn't match their records and they never know what the problem is and all my information matches what they have in the system. They then just try to read me the disputes without any proof or written notification. They do not allow results that are online be mailed to my address either. So not only can I not view my results online and save for my own personal record, I also can not request a hard copy be mailed to me address. A few times an Equifax customer service rep has even suggested to " just try again later '', which is completely unacceptable and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: KS

Complaint narrative:
Bought shirt online. Returned shirt. Never properly credited. Late fees on an amount I did not owe went up to {$280.00} from {$30.00}. I never owed them anything. Transunion refusing to remove from 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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
at XX/XX/XXXX, i bought a prepaid credit card in the cashier, i could not use the car because the car was created such as an gift car, i wanned the card to pay my car insurease, the next day XX/XX/XXXX i call the netspend company to explain my problem, i made a complain and they said ( netspend ) they will send my money in 10 days not more of 15, today its XX/XX/XXXX, and i did not recieved my money. also i call many time and they do not have any answer. today XX/XX/XXXX i called and they handout my call.

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 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Portfolio Recovery, LLC
State: TX

Complaint narrative:
I have sent over five letters to this company portfolio recovery. I clearly want them to validate the debt. A request for a signed proof of contract to substantiate their claim. Provide me with a certified copy of an original signed contract, naming their company as a person entitled to enforce a commercial claim against me. Also a clause that the original creditor can assign this debt to anyone. Also proof of sale between the creditor and the debt collection company. Also a complete payment history including signed copies of canceled checks. Certification can be done through the presence of a notary public, who swears the copy made is in fact a copy of the original paper contract in question. The Fair Credit Act states the debt has to be 100 percent verifiable. If they fail to meet this minimum threshold requested above they should take the derogatory information off my credit report. The claim I owe XXXX XXXX {$440.00} I deny the debt and assert my rights under the fair credit act.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-17 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: CA

Complaint narrative:
I have student loans that were originally being serviced through Sallie Mae, but are now through Navient. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options on more than 1 occasion. Navient consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. This was incorrect information as I later found out. There was an income based repayment plan that allowed me to pay 10 % of my discretionary income. As a result, I ended up making extremely high payments for the first 2 years of my repayment. Once I found out ( through my own research ) that I could have lower payments, I switched to that option right away. However, this overpayment drastically impacted every single career decision I've made and has caused me to lose out on the opportunity to benefit from public loan forgiveness after 120 payments. I chose to leave public service because I calculated that I would not benefit from the forgiveness plan given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). 

Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and only had 4 years left before being eligible for forgiveness. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

Navient illegally cheated me out of my rights to lower payments, and as a result I will end up having to pay the entire balance out of pocket rather than being able to benefit from public loan forgiveness. I would hope to receive some kind of resolution to this complaint, as it seems like Navient systematically deceived borrows in this manner and are now the subject of a class action law suit. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXXr immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had just received a letter from Portfolio Recovery Associates. Monday XX/XX/2018. The letter is dated from XX/XX/2018. Portfolio Recovery Associates claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from PRA requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Dear mam or Sir, Id got XXXX in XX/XX/2014 at XXXX XXXX XXXX. A few months later I received bill from XXXX XXXX XXXX XXXX XXXX  XXXX. It was {$1900.00}. My insurance company did not pay for that. Because, they said that it was out-of- network for the XXXX.I never know that because nobody explained to me that before XXXX. I think that they were miss communicated each other between operator and hospital.SO, my insurance agency and I was contacted so many times to my doctor who XXXX on me.. Because we needed to know what was going on. But Dr who never responded to us for that. Finally, I received letter from debt collection agency. Also, my credit is got bad score now because of that. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX Credit card account holder # XXXX company name is XXXX XXXX Ring XXXX XXXX. 
I closed that account back in XX/XX/2018 .payment was mad by transferred the balance to another account. Right before the transaction done it was due date, then I paid {$100.00} to avoid late fee until the transferred done. 
I contacted that company more than six times requesting refund for my extra payment of {$100.00}. But never issued by the company. I called today again XX/XX/2018 i was unable to be lucky enough to resolve the refund but instate i was talking to a representative her name was XXXX XXXX she was fully disrespecting me or mu spouse over the phone. two times talking to their supervisors but no progross to get our refund of {$100.00} please help us my Phone number is 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 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: CT

Complaint narrative:
This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: PA

Complaint narrative:
Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had just received a letter from XXXX XXXX XXXX. Monday XX/XX/2018. The letter is dated from XX/XX/2018. XXXX XXXX XXXX claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from XXXX requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter

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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.

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 2018-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This all started in XXXX we ended up filing for bankruptcy due to my loosing my good job. and has never finished ... We did a modification back then and owed XXXX and ended up with a new amount of XXXX and a payment of XXXX. This began to be a problem due to me loosing my good job in XXXX of that year. 

We ended up struggling to keep paying and in XXXX we filed for Chapter XXXX bankruptcy and tried to work something out, we were lied to by the bankruptcy attorney as well as Citi Mortgage they said after we made the Trial payments of XXXX. And that we Qualified for the making homes affordable loan forgiveness program.We did make the trial payments and then Nothing never received final papers.And then the program ended before we received any final papers. At this point we are living paycheck to paycheck. 

Then in XXXX of XXXX XXXX my husband began missing alot of work due to XXXX Problems and this caused a shortage on funds to pay the mortgage as well as all our bills. I did contact Citi Mortgage several times and each time was put on hold then the calls would be lost.. In XXXX of XXXX XXXX had XXXX  XXXX and had to take off work and Citi Mortgage was again notified of the situation. 

Then in XXXX I was diagnosed with XXXX XXXX and as a result I have missed alot of work and again, I notified Citi of this situation and asked for help. I am still dealing with the after effects of the XXXX. We then hired XXXX law to help us and they said they are looking into respa stuff and that Citi should not contact me and they have on many occasions and I asked them to get certain documents from Citi as per my rights and still have not received. I wanted a copy of all statements and payments, I have made since they acquired my loan and I have not seen anything in this regard. As well as no detailed breakdown of how or where they are coming up with these amounts. I also asked to find out about what Insurance is on my account and No answer on that either. 

All we are looking to accomplish is a fair shake. We Never expected to not Pay our Mortgage and have all the difficulties. We just need some help and for them to work with us and maybe Write off some of that Debt and give us a payment of around XXXX or less per month. Less would be better of course but, just want a fair chance to get back on track..As they promised back in XXXX. 

XXXX and XXXX Bless

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 2018-09-17 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: TN

Complaint narrative:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

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 2018-09-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the explorer immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

Company response to consumer: Closed with explanation