vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: GA

Complaint narrative:
XXXX XXXX - originally reported an account to the Equifax. It was a apart of an auto accident which settled. As a part of the settlement they agreed to delete the account from my credit file. They received the payment and removed the collections from their account and requested it to be removed from my credit report in XX/XX/2018. As of today, Equifax is still showing the collection. XXXX XXXX along with myself contacted Equifax. They stated they are still showing XXXX XXXX  reporting it. XXXX  stated to Equifax, it is not showing on their end and they are not reporting it. They sent a letter to Equifax requesting it be removed completely because it should not be reporting at all. Equifax is refusing to remove the collection. The amount is for {$31.00}. The original debtor was XXXX. Even through escalations to a supervisor and manager within Equifax, they still refuse to remove it even though XXXX is demanding it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, the last time I spoke to my Private Student Loan Lender ( Navient ) was in XX/XX/2016. I was about to begin a Master 's program that would place my loan on hold payment. In that conversation, which was one of over a dozen on this topic, I inquired about my balance. I couldn't understand how I had been paying so much money toward my loan and the balance was increasing -- yes, INCREASING. To date, I have paid {$39000.00} toward my private student loan which had a beginning balance of {$75000.00}. According to the company, only {$6000.00} has gone toward the principal balance while the remainder has gone toward interest. Even if this were a true statement, that would mean my principal balance would have decreased by at least {$6000.00} ... instead it has INCREASED over {$30000.00}. The loan is now at a balance of $ XXXX ... my payments do nothing. The loan will never get paid off. It only continues to go up. Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I was in Bankruptcy and my mortgage was sold by XXXX XXXX XXXX to Fay Servicing. When I received notification from Fay Servicing I called and set up my account online with them. I made a payment and told my rep that I would like to set up a repayment plan for the arrearages. I was told to fill out modification paperwork which I did and submitted on XX/XX/XXXX. After that they would no longer accept payments from me. I asked them to just resume payments and give me 12 months to pay off the arrearages. My Rep said he could do that after I completed the modification process, he said even if I did not qualify for modification he could get 12 month arrearage payback accepted by Fay. After countless calls and emails to my rep to finish this up all I ever got was requests for more documents and I was told everything had to be in before they would review my application. Finally after more phone calls and emails to my rep and submission of many documents over and over because they claimed they never had them I received a letter from Fay on XX/XX/XXXX stating they had a complete package and would get back to me within 30 days. On XX/XX/XXXX I received a letter from Fay saying they need additional documentation which I sent to them. They confirmed that they had everything needed. After a couple weeks I had not heard from them and I called to find out what was the status of my application. I was informed that I had now been transferred to a new rep for the third time. She explained that they now needed additional documentation and I had to get it to them by XX/XX/XXXX. I sent it to them on XX/XX/XXXX. On XX/XX/XXXX I found out they had put my Mortgage up for auction date of XX/XX/XXXX. Again I called Fay and was told that since my mortgage was listed for sale and we were within 38 days of the sale that they would no longer consider me for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX has made several charges to my card that were not authorized. Any attempts to speak with Barclay is met with a language barrier and is futile to exhaust these resources. 

I'm asking that this matter be handled immediately. 
XX/XX/XXXX : {$28.00} XX/XX/XXXX : {$96.00} XX/XX/XXXX : {$200.00} I made a purchase on XX/XX/XXXX " XXXX '' amd was required by XXXX to pay at the desk. At that time, they recorded my info and have charged me several times after my 3 day stay.

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 2018-06-05 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: CT

Complaint narrative:
On XX/XX/XXXX my credit monitoring services alerted me my Transunion score dropped 20 points. Upon inspection of my Transunion credit report # XXXX I notice that in the remark section of my mortgage with XXXX XXXX XXXX Transunion added this statement " Foreclosure procedure initiated ''. 
This is factually untrue- I immediately disputed this information to them. I am current and haven't missed a payment in close to 2 years on my mortgage with no past due of any amount. Never was I foreclosured on nor in the process of foreclosure. 
I haven't received any notification that my dispute was received or that the investigation has started. I just want this issue resolved as quickly as possible.

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
In XX/XX/2017 I expressed to BB & t that the account that was closed had a balance of XXXX and that the information was incorrect because i never used the bank account before. I had a representative say that they can waive the fees because it was not that much. I thanked her and almost a year later they are still reporting negatively on my consumer report as abusive behavior on my account.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
My husband and I originally ordered a gas range and a dishwasher, but we discovered that we only needed a dishwasher. We have talked to the orders and contract department, in the store over the phone. They claimed that they adjusted the bill, which originally was XXXX ( page 6 ). They deducted the {$640.00} ( page 9 ), but they kept a remaining balance of {$450.00}. They should have created a new order receipt. 

They installed the new dishwasher and charged me for it and for the installation, which was {$480.00}. I have the receipt where it shows that only a dishwasher was delivered, so my bill should not have this overage amount.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXXn ) on XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

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 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This debt was being sent to a wrong address on file. It was updated at the time of visit but never entered into the system. I pulled my credit report and saw this on it. I immediately called and verified they had the wrong address and paid it right away and asked for it to be removed since this was not my fault. They said they would and it is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/2017 I returned a leased XXXX Prius and purchased a XXXX Toyota Rav 4 from Toyota Financial via the XXXX XXXX Toyota Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed Toyota Financial {$580.00} for " excessive wear and tear '' on the Prius. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the Rav 4, the salesman at XXXX XXXX Toyota, XXXX XXXX, removed the floor mats and took them out of the Prius. Charging me for these is unfair given that I returned the Prius with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by XXXX. I have a current car loan with Toyota Financial and have electronic notifications activated on my online account through which I paid my Prius and pay my Rav4 car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, XXXX is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. Toyota Financial has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with Toyota Financial before being sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 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: VA

Complaint narrative:
My wife and I both had our private information stolen in the Equifax security breech. 
Neither of us wants or gave permission for Equifax to compile our information so they may money off our private information. Our private information is now available to crooks FOREVER. It costs us {$60.00} to freeze our credit and up to {$60.00} to thaw each time. 
Equifax was warned of their lax security now millions of Americans have their private information available to crooks FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company calls my number every day, sometimes twice a day. They are attempting to collect a debt owed by the previous owner of my phone number.

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 2018-06-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax must be shut down immediately. This disgusting excuse for a company is ruining the credit of good people. I was recently informed when I applied for a loan that I did not have any " real estate '' accounts on my credit with Equifax. I found this strange since I have a paid off mortgage with XXXX XXXX. I go on XXXX XXXX and pull my report and find that the mortgage is not classified as a real estate mortgage, rather just a regular loan. Of course, it's correct with XXXX. Equifax can't be bothered with correct information or the safety of consumer information. So I call in to Equifax and ask to speak with Consumer Affairs since I have had numerous problems with Equifax previously and this is who they told me to contact going forward. The person who took the call could barely speak or understand English and refused several times to transfer me. I told him that I would file a CFPB complaint stating that he refused to help me and he said that was fine. This is the type of company they are, absolutely no regard for the law. company. They hire people who can't perform even the most basic functions of their jobs, they ruin the credit of good people, and they get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
To Whom It May Concern, I have a XXXX 's XXXX XXXX XXXXXXXX Card managed by US Bank and no one returns my calls about this billing issue. My XX/XX/XXXX statement had a balance of {$250.00} and the due date was XX/XX/XXXX. I mailed a check for the full amount on XX/XX/XXXX, which was cashed on XX/XX/XXXX as per my bank statement ( XXXX ). On Monday, XX/XX/XXXX, I have received my new statement showing the amount for XXXX unpaid and a few extra charges related to the payment not being received. I have called the number on the statement ( XXXX ) and left a few messages and no one returns my calls. Furthermore, I find it disturbing that every time I called, it goes directly into a voice mail for a single person ; no life person ever answers my calls. I need assistance in resolving this matter, since on one will return my calls to resolve this matter.

You may contact me at XXXX, but I would prefer that you contact my nephew at XXXX. 

Thanks, 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 monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In early XX/XX/XXXX, I received a replacement card in the mail because my American Express Platinum Delta Skymiles credit card expired. I activate this card as usual. 
On XX/XX/XXXX, I misplaced my card. I called American Express to cancel the card and send me a replacement. 30 minutes later, I found the card. I called American Express again in an attempt to get them to cancel my request. After a 20 minute+ conversation, I was told that because of security, this was not possible. I agreed to wait for a new replacement card. I asked the customer service agent to at least expedite the card so that I don't have to wait longer to use my credit card.

XX/XX/XXXX/XX/XX/XXXX - I received two replacement cards in the mail. I only requested one, but the previous customer service agent must have made a mistake. I ignore this security problem, and I chose to activate the card received in the mail ending in XXXX. This card was the last card received. I cut up the other replacement card. 
On XX/XX/XXXX, I made an online purchase with the card ending in XXXX. In early XX/XX/XXXX, the card ending in XXXX stopped working. Because of past issues with customer service, I decided to ignore the problem until later. 
On XX/XX/XXXX, I called American Express Customer Service to change account address because of a recent move. American Express informs me that the card they have on file is different from the card I have ( the one ending in XXXX ), and this other card was sent on XX/XX/XXXX. They tell me that they have to send me a new replacement card to my current billing address. However, I was making the call because I needed to change my billing address. The customer service agent did not address the major security problem with having a different card on file. The only option they gave me was to send me yet another replacement card. Because of the decline in their customer service and my growing concern for account security, I cancelled my account. 
XX/XX/XXXX/XX/XX/XXXX - Tried to submit a formal complaint. Ignored multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. 
Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. 
Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. 

o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. 

o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. 

o Ditech Mortgage sent a representative to my home on two different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a retired military veteran and WAS a happy, loyal USAA member for more than 10 years. On XX/XX/XXXX, I got a text message from USAA that my credit card limit had been increased. That was great news because I use credit quite frequently needed a little more cushion. Unfortunately, when we tried to use the card later that day, it declined. I called the bank to find out why and they said rudely " What credit card? We don't show one on file. '' After several frantic phone calls, we finally discovered someone at USAA closed my account. This wasn't just a precautionary security lock ... ..it was force CLOSED. I demanded to know why, but no one had the answer. One guy from the credit card department said it looked like someone in the security department made a mistake and would be reprimanded. I was mad to say the least. As a military guy, a bunch of my friends and family work or bank with USAA so I posted on social media about the situation. Soon after, I received a message in my inbox from XXXX XXXX that my account was closed due to " unacceptable behavior ''. I found out later from an insider they were taking screenshots of my conversations on social media. This leads me to believe XXXX XXXX may have abused his power at the bank to punish me for complaining publicly. 

A few days later, I got a call from a bank employee who said she represents the CEO, XXXX XXXX. Apparently the executive board made a " business decision '' to close my account and they were in the process of closing my mother 's, brother 's, cousin 's and spouse 's accounts. She also said they are not going to tell me the real reason why because by law they don't have to and they have no record of the conversation I had with the credit card guy about them making a security mistake. It felt like a total abuse of power. I have reason to believe XXXX XXXX improperly used his position at the bank to influence this " business decision ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
IQ data added an additional XXXX dollars to my eviction. And there was another charge that wasn't in the contract. The contract I signed said legaly they were only allowed to charged me double with rent was XXXX. The total charge should be XXXX. Plus court fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation