vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I tried to purchase WiFi internet from XXXX XXXX XXXX they said they could not check my credit due to a hard stop. They told me contact equifax I called and the automated system said there is no freeze on my account. Then I received a notice from XXXX XXXX on XX/XX/2018 saying XXXX XXXX XXXX checked my credit? I can not get answers from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been calling and corresponding with this company for more than six months to complain that they have incorrectly charged me late charges and accumulated interest charges. On at least four occasions their employees have assured me the charges would be credited or voided, reducing that balance owing to XXXX. Nevertheless, they keep sending me statements showing that charges continue to accumulate. A copy of the latest billing statement dated XX/XX/18 is attached as is a copy of my last written communication dated 6/29/18 as well as my letter of XX/XX/18.

My last call to Citi was on XX/XX/18. The employee I spoke with said her name was XXXX, her " employee number '' was XXXX and she worked in the Escalation and Forbearance Dept. She again assured me the account balance would be reduced to XXXX  and that no more bills or collection calls would be made. Obviously that was a misrepresentation as they are continuing to bill 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 monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC.
State: CT

Complaint narrative:
XXXX 's was my employer from XX/XX/XXXX until XX/XX/XXXX and during that time I used bereavement time that was given to me and approved by my supervisor. I had called to talk with payroll about my bonus that I was awarded and the woman I spoke with had decided that I had used too much time for her liking and sent me a bill for {$1300.00} which I have no idea how she came to that number. As I said my time off was approved by my supervisor therefore this debt is not valid. Can you please contact me with details on how to move forward. 

It is now at collections Commercial Services Group XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a problem with one payment from my XXXX XXXX XXXX, I forgot to make a single payment on time and after few days they started to harass my phone with more than 8 calls daily, when I already explained to them that I will pay my bill with the next bill, to make sure I am getting charged by the correct fee. I kept on receiving calls from them ; I spoke to them telling that I knew that the collection practices they were doing were inappropriate because of the multiple times a day they were reaching my line. I told them to stop calling me, and the person who I spoke to was threatening me with making changes in my account without letting me know if I refused to keep receiving the collection calls, he was being very loud and rude so I hang up. Now I am paying my credit card on time and they are making changes in my credit report without letting me know, and I feel like they are picking on me, affecting greatly my credit report. Month after month it is getting decreased because XXXX XXXX is making inquiry after inquiry. I consider this is some kind of harassment against consumer, for no reason when I am paying month by month. I have not miss a single payment. Please stop XXXX 's on this abusive practices. 

Thanks,

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 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Relief Center
State: DC

Complaint narrative:
Hello, I got a scam document from a company named the Debt Relief Center XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I live in Washington, DC for reference. They advised to me in the letter ( also attached as a PDF ) that my 'IMMEDIATE RESPONSE TO THIS SECOND NOTICE [ was ] REQUESTED. ' I never received a first notice. They advised to me that I have an 'estimated ' {$13000.00} in unpaid credit card debt. In actuality, I have about {$5000.00} and I just purchased a home, so I also have a mortgage. They are proposing a settlement offer but advised they can only do so 'once we have been contacted ... ' This is a scam and I want to ensure that this company is not only dismantled, but charged for extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I see that there have been outstanding complaints about Santander 's business practices. I have had a car loan with Santander for over 3 years, yet the balance owed ( {$18000.00} ) is nearly the same as when I initially took out the loan. My monthly payments of {$530.00} are too high, and has created a hardship. My last payment was made in XX/XX/XXXX.They state that this is an interest only loan ; however, the interest rate appears to be unfair. I thought the car would've been paid off by now. Yet, I still owe nearly {$20000.00} on a XXXX XXXX XXXX. I feel that I was taken advantage of by this company and its financial product, which required interest-only monthly payments without explaining that doing so would increase the total cost of the loan. Anyassistance given will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX.. I paid off my credit cards to capital one.. over {$6000.00} in card debit. Today XX/XX/XXXX.. I check one of my accounts and someone has racked up {$1600.00} worth of stuff. When I paid off my card.. I asked to have new cards sent to me as I have been going back and forth with capital one over misuse of my accounts. I do not own XXXX account, I do not shop at kohls and XXXX. The XXXX is not my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: OH

Complaint narrative:
I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with XXXX XXXX. I am not disputing if I had an account with XXXX XXXX. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from XXXX XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against Alltran for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced XXXX collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different  people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills. 

The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others. 

I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails. 

In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions. 

I received no further Past Due statements. 

As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
https : //www.us.hsbc.com/content/dam/hsbc/us/docs/pdf/Advance-Checking-Account-Offer-HSBC-.pdf Open your new HSBC Advance checking account online by XX/XX/2018 and ; - I HAVE OPENED MY ACCOUNT ON XX/XX/2018 Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and - I HAVE DEPOSITED ATLEAST {$10000.00} WITHIN THE 30 DAYS OF ACCOUNT OPENING AND THE MONEY IS STILL THERE UP UNTIL TODAY. 

Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. - QUALIFYING BALANCE IS STILL ON THE ACCOUNT FOR MORE THAN 90 CALENDAR DAYS. WHICH IS NOW ATLEAST 8 MONTHS. 

I HAVE ASKED OVER THE PHONE FOR THIS ISSUE BUT THEY COULDN'T GIVE ME AN EXACT ANSWER BESIDES THE WORD - DENIED BUT NO EXPLANATION ON WHY. 

I HAVE SENT SECURED MESSAGES THROUGH THE ONLINE ACCOUNT BUT STILL NO LUCK. THIS IS THE LAST CONVERSATION AND THEY NEVER SENT ME ANY LETTER OR EXPLANATION - " Please be informed as per the investigation done by our Marketing and Campaign Team, your account is not qualified for the promotional offer. Base on your previous BankMail communication, your concern has been forwarded your request for the approval to Network Head through Area Manager. Once we receive an approval we will inform you via BankMail. "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with Home Depot. I am not disputing if I had an account with Home Depot. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from Citibank XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against XXXX for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced Citibank collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class 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 2018-10-01 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: SIMMONS FIRST NATIONAL CORPORATION
State: NV

Complaint narrative:
Yes, I'm going to publish for the world to see. first of all, I have purchased my XXXX XXXX XXXX XXXX ticket back in XX/XX/XXXX and they told me that I would receive it by mid-XX/XX/XXXX I have waited and waited and nothing has ever come in!! and I even tried to contact them but they never contacted by and I'm currently am trying to dispute this charge with my bank send I never received anything for what I have paid for ... .but my bank told me that they can't do anything about it and I have to handle this situation on my own, which I have already tried!!

I want my money back since i never have gotten anything in the mail!

XX/XX/2018 XX/XX/2018 EB XXXX XXXX {$720.00}

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 2018-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money.

I hope there is something that can help those who have issues with this PSLF program. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: OH

Complaint narrative:
I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: CA

Complaint narrative:
XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This week Equifax removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also XXXX XXXX stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: SC

Complaint narrative:
Im in the midst of closing on my mortgage, when a reporting appears from XX/XX/2016 from Treasury Department on my credit report at the last pull before closing, this account isn't mine, but I related to Equifax to whom it belonged to, and was ignored, I don't have time to wait for the improper investigative process that results in not factual results but whatever is profitable to the corporation. 

For over five years I have sent these documents to Equifax stating that unless the creditor reports my name on my social security card, then its not me, and they have ignored it because its profitable to ignore, and continue reporting other information. 

The debt reported as XXXX XXXX XXXX is reporting in a name that isn't on my social security card, and not on my credit report, but Equifax still reports it, recently they found that a credit card using another social security number was on my credit report, that wasn't my name or social security number, yet still reporting, and for three years reporting public records of bankruptcies, which just as the credit card, was probably belonging to XXXX, which isn't me.

Company response to consumer: Closed with explanation